Understand how tax inefficiencies in fixed deposits eat into your returns—and how Factor Capro offers a smarter, more tax-friendly alternative.
Fixed deposits feel safe but lose appeal after taxes—returns can drop from 6% to just 4.2% for those in the top slab. FactorCapro is far more tax-efficient: most withdrawals count as principal, with only a small portion taxed as capital gains at lower rates. The result—your money works harder and delivers more than traditional FDs.
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Unlike FDs where every rupee of interest is taxed at your marginal rate, Factor Capro taxes only the profit component, making it a smarter vehicle for maximizing post-tax income.
Feature | Fixed Deposits (FDs) | FactorCapro |
|---|---|---|
Income Type | Fully taxable interest | Principal + capital gains |
Tax Rate Applied | Marginal tax rate (up to ~30%) | Capital gains: 12.5%-20% |
Post-Tax Yield | ~4.2% on 6% pre-tax interest | Higher due to tax efficiency |
Capital Protection | Principal guaranteed | Subject to market risk |
Liquidity | Locked-in period | Flexible withdrawals |
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