SWP vs FD Income Comparator

Quick Summary: SWP vs FD Income Comparator

The SWP vs FD Comparator shows that Systematic Withdrawal Plans (SWP) from equity mutual funds are more tax-efficient than FD interest in FY 2026-27. While FD interest is fully taxable at your slab rate, only the gain portion of an SWP is taxed (often at 12.5% LTCG), preserving more of your monthly income.