Gold vs FD — a physical hedge or a guaranteed rate?
Gold has no guaranteed return but acts as an inflation and crisis hedge; FD is fully guaranteed but its real (inflation-adjusted) return can be thin. Compare both on the same amount and horizon.
Gold Calculator vs FD Calculator — 10-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →Physical or digital gold, valued by weight at the prevailing market price, plus making charges and GST on physical purchases.
Best for: A smaller diversifying allocation (typically 5–15% of a portfolio) as an inflation and crisis hedge, not a primary growth holding.
A lump sum deposited with a bank for a fixed tenure at a fixed, guaranteed interest rate.
Best for: Capital you can't afford to risk — an emergency fund, or a short-term goal within a couple of years.
Does gold beat FD after inflation?
Historically gold has often outpaced inflation over long periods better than FD does after tax, but this varies significantly by period — run both at your own assumed rates rather than relying on a rule of thumb.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.