{"id":9873,"date":"2025-09-25T09:44:53","date_gmt":"2025-09-25T09:44:53","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9873"},"modified":"2026-04-14T11:21:06","modified_gmt":"2026-04-14T11:21:06","slug":"what-is-the-difference-between-nps-fd-2025","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/","title":{"rendered":"What is the Difference Between NPS &#038; FD 2025"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In India, retirement planning can be done through several investment options, among which Fixed Deposits (FDs) and the National Pension Scheme (NPS) are widely considered.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Okay, but how do they differ?<\/span><\/i><span style=\"font-weight: 400;\"> An FD provides security with guaranteed returns. The interest rate is fixed at the time of opening the account and remains unchanged throughout the tenure. At maturity (in the cumulative option), an investor receives the principal + compounded interest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, NPS is a government-sponsored pension plan launched in 2004 and later extended in 2009 to cover employees across public, private, and unorganised sectors (except the Armed Forces). The <\/span><span style=\"font-weight: 400;\">NPS scheme<\/span><span style=\"font-weight: 400;\"> allows individuals to make monthly investments and build a regular retirement pension.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Need for information? In this article, firstly, you will learn what an <\/span><span style=\"font-weight: 400;\">NPS scheme<\/span><span style=\"font-weight: 400;\"> is, how it works, and the various <\/span><span style=\"font-weight: 400;\">NPS scheme details<\/span><span style=\"font-weight: 400;\">. Then, we will understand some major differences between <\/span><span style=\"font-weight: 400;\">NPS vs. fixed deposits<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#What_is_the_National_Pension_Scheme_NPS_2025\" >What is the National Pension Scheme (NPS) 2025?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#How_Does_the_NPS_Scheme_2025_Work\" >How Does the NPS Scheme 2025 Work?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#NPS_vs_Fixed_Deposit_Major_Differences_You_Must_Know_in_2025\" >NPS vs. Fixed Deposit: Major Differences You Must Know in 2025!<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#1_How_Flexible_Is_Your_Investment_Schedule\" >1. How Flexible Is Your Investment Schedule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#2_How_Much_Can_You_Withdraw_and_When\" >2. How Much Can You Withdraw and When<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#3_When_Do_You_Earn_Market-Linked_Returns\" >3. When Do You Earn Market-Linked Returns<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#NPS_vs_Fixed_Deposit_Detailed_Comparison_Table\" >NPS vs. Fixed Deposit: Detailed Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#Looking_for_the_Safety_of_FDs_Book_Your_Digital_FD_Online_Via_the_GoldenPi_Platform\" >Looking for the Safety of FDs? Book Your Digital FD Online Via the GoldenPi Platform!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#NPS_vs_Fixed_Deposit_FAQs\" >NPS vs. Fixed Deposit FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#1_What_is_the_National_Pension_Scheme_of_the_Government_of_India\" >1. What is the National Pension Scheme of the Government of India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#2_How_to_Open_an_FD_Account_Online\" >2. How to Open an FD Account Online?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#3_NPS_vs_FD_Which_is_Better_in_2025\" >3. NPS vs FD, Which is Better in 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#4_How_to_Withdraw_from_NPS_Tier_I\" >4. How to Withdraw from NPS Tier I ?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_National_Pension_Scheme_NPS_2025\"><\/span><strong>What is the National Pension Scheme (NPS) 2025?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The National Pension Scheme (NPS) is a retirement plan managed by the Pension Fund Regulatory and Development Authority (PFRDA) under the Central Government. When you invest in NPS, you can choose between two types of accounts:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tier-I account (mandatory for all subscribers): This is a non-withdrawable account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tier-II account (optional and works like a savings account): This is a withdrawable account, and as a subscriber, you can withdraw funds anytime. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, the NPS Tier I contributions qualify for tax deductions. Let\u2019s see how:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Employee\u2019s contribution<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Employer\u2019s contribution<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you contribute to NPS Tier I, up to 10% of your salary (Basic + DA) is tax-deductible under Section 80CCD(1).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This deduction is subject to the overall ceiling of \u20b91 lakh under Section 80CCE.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your employer can also contribute up to 10% of your salary (Basic + DA) to your NPS account.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This amount is tax-free in your hands under Section 80CCD(2).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Importantly, this benefit is over and above the \u20b91 lakh limit under Section 80CCE.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h3><span class=\"ez-toc-section\" id=\"How_Does_the_NPS_Scheme_2025_Work\"><\/span><strong>How Does the NPS Scheme 2025 Work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In the National Pension Scheme (NPS), the money you invest is collected and invested in different assets such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate bonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Government bonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt funds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The returns you earn may depend on how these assets perform in the market.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"NPS_vs_Fixed_Deposit_Major_Differences_You_Must_Know_in_2025\"><\/span><strong>NPS vs. Fixed Deposit: Major Differences You Must Know in 2025!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Both <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/what-is-the-nps-vatsalya-scheme-benefits-eligibility-returns-explained-simply\/\">NPS<\/a> and FDs are popular retirement planning products. But they differ in terms of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment flexibility<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquidity\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Market exposure<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You must realise that FD is mainly for guaranteed returns and does not expose you to market fluctuations. In contrast, NPS offers you market-linked growth. For more clarity, check out some primary <\/span><span style=\"font-weight: 400;\">NPS vs. fixed deposit<\/span><span style=\"font-weight: 400;\"> differences below:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_How_Flexible_Is_Your_Investment_Schedule\"><\/span><strong>1. How Flexible Is Your Investment Schedule<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In NPS, you can contribute at your own pace and as per your capacity. However, you must contribute at least \u20b91,000 per year to maintain your pension account. There is no maximum limit. You can also choose how your money is managed. The two options you get are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under \u201cAuto Choice\u201d, a professional fund manager decides the asset allocation for you.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under \u201cActive Choice\u201d, you decide where your money goes among equities, bonds, and government securities.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On the other hand, an FD is less flexible, and you must invest a lump sum at once. You don\u2019t get the option to make any monthly or quarterly deposits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finding NPS too complex? You can <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">explore multiple FD options on the GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">. The booking process is 100% online and can be completed within minutes!\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_Much_Can_You_Withdraw_and_When\"><\/span><strong>2. How Much Can You Withdraw and When<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As mentioned before, NPS offers two account types: Tier I and Tier II. The liquidity rules in both these accounts differ. Let\u2019s see how:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Tier I Account (Retirement Account)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Tier II Account (Voluntary Account)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On Retirement (at 60 years):\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">You must use at least 40% of your total savings to buy a life annuity from an insurer approved by PFRDA\/IRDA.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">This annuity gives you a regular pension.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">The remaining amount (up to 60%) can be withdrawn as a lump sum.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On Resignation (before 60 years):<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">You must use 80% of the savings to buy an annuity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Only the remaining 20% can be withdrawn.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On Death:\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">The entire balance in the account is given to your nominee.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Withdrawals can be made anytime.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To withdraw, you need to submit a form (UOS-S12) to your associated Point of Presence (POP-SP).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The amount you receive depends on the Net Asset Value (NAV) on the processing day.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After processing, funds are transferred to your registered bank account within 3 working days.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Now, if we compare, FDs are not that complex! They have a fixed duration (chosen by you) and you are allowed to withdraw funds before maturity. However, the bank or NBFC may charge a penalty by reducing your interest rate.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_When_Do_You_Earn_Market-Linked_Returns\"><\/span><strong>3. When Do You Earn Market-Linked Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">NPS is linked to the financial markets. Your returns are not guaranteed and depend on market performance. However, the <\/span><span style=\"font-weight: 400;\">NPS scheme<\/span><span style=\"font-weight: 400;\"> only invests up to 50% in equities, which can somewhat balance growth potential with risk. Over the long term, due to equity exposure, NPS returns may be higher than traditional savings products, like fixed deposits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, in contrast, <a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/\">FDs<\/a> provide guaranteed returns. The interest rate is fixed at the time of investment and does not change. While this makes FDs safe, the returns are often lower compared to NPS (particularly after accounting for inflation).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"NPS_vs_Fixed_Deposit_Detailed_Comparison_Table\"><\/span><strong>NPS vs. Fixed Deposit: Detailed Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><i><span style=\"font-weight: 400;\">Still confused? <\/span><\/i><span style=\"font-weight: 400;\">When planning your retirements, you should always try to balance safety with growth. Always remember that FDs give assured returns, while the NPS builds long-term wealth through market exposure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To make a better choice, check out the detailed <\/span><span style=\"font-weight: 400;\">FD vs. NPS<\/span><span style=\"font-weight: 400;\"> comparison below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Feature<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Fixed Deposit (FD)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">National Pension Scheme (NPS)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Tenure<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7 days to 10 years<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Until retirement (mandatory contributions till age 60)<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Risk<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low risk\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insured up to \u20b95 lakhs by DICGC<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moderate to high risk\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NPS scheme invests in equities<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Returns<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Returns are fixed\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are based on the interest rate chosen<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Market-linked returns<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">May be higher in the long run, but not guaranteed<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premature Withdrawal<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allowed, but a penalty applies in the form of reduced interest<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allowed only after 3 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximum 25% of contributions (up to 3 times)<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tax Benefits<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax-saving FDs are eligible for a deduction up to \u20b91.5 lakhs under Section 80C<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee contribution to Tier I is allowed up to 10% of salary (Basic + DA), under Section 80CCD(1), within the \u20b91.5 lakh limit of Section 80C.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extra \u20b950,000 under Section 80CCD(1B), over and above the Section 80C limit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employer Contribution, up to 10% of salary (Basic + DA), deductible under Section 80CCD(2), over and above the \u20b91.5 lakh limit.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Eligibility<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any Indian citizen can apply.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only Indian residents aged 18 to 65 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not available to armed forces personnel<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Looking_for_the_Safety_of_FDs_Book_Your_Digital_FD_Online_Via_the_GoldenPi_Platform\"><\/span><strong>Looking for the Safety of FDs? Book Your Digital FD Online Via the GoldenPi Platform!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So, now, you know that FDs and NPS are two different financial products used in retirement planning. An FD provides guaranteed returns with fixed interest rates. It could be a safe choice for conservative investors who prefer stability.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In contrast, the National Pension Scheme is market-linked and designed to create a pension income after retirement. Since NPS invests in equities, it may generate higher returns over the long term (not guaranteed).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you looking for <a href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/investment-plan-that-a-senior-citizen-must-know\/\">investment options<\/a> with no market exposure? You can explore multiple FD products available on the GoldenPi platform. Some issuers you can consider are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suryoday Small Finance Bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unity Small Finance Bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bajaj Finance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mahindra Finance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shriram Finance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These options offer competitive returns, and you can use them to build a secure retirement portfolio. <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">Visit the GoldenPi platform today<\/span><\/a><span style=\"font-weight: 400;\"> to check them out.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"NPS_vs_Fixed_Deposit_FAQs\"><\/span><strong>NPS vs. Fixed Deposit FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_the_National_Pension_Scheme_of_the_Government_of_India\"><\/span><strong>1. What is the National Pension Scheme of the Government of India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The NPS is a government-backed retirement plan regulated by PFRDA. It allows individuals to invest regularly during their working years. At retirement, part of the corpus can be withdrawn, while the rest is used to buy an annuity for a regular pension.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_to_Open_an_FD_Account_Online\"><\/span><strong>2. How to Open an FD Account Online?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can open an FD online through the <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">. All you have to do is browse and compare FD options from different issuers. Choose the one that suits your needs and complete the KYC process (if not already registered). Lastly, make the payment, and an FD receipt will be sent to your registered email.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_NPS_vs_FD_Which_is_Better_in_2025\"><\/span><strong>3. NPS vs FD, Which is Better in 2025?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">NPS is market-linked and may offer higher returns than FDs in the long term (not guaranteed). In contrast, with FDs, you are not exposed to market fluctuations and can earn assured returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The choice between the two depends on your risk appetite and whether you prioritise security (FD) or long-term wealth creation (NPS).<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_Withdraw_from_NPS_Tier_I\"><\/span><strong>4. How to Withdraw from NPS Tier I ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In NPS Tier I, withdrawals are allowed only under certain conditions. At retirement, 60% of the savings can be withdrawn, and at least 40% must be used to buy an annuity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you exit early, it requires at least 80% annuitisation. Lastly, in case of death, the full amount goes to the nominees.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><strong>Disclaimer:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the National Pension Scheme of the Government of India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NPS is a government-backed retirement plan regulated by PFRDA. It allows individuals to invest regularly during their working years. At retirement, part of the corpus can be withdrawn, while the rest is used to buy an annuity for a regular pension.\\n\"}},{\"@type\":\"Question\",\"name\":\"How to Open an FD Account Online?\\n\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can open an FD online through the GoldenPi platform. All you have to do is browse and compare FD options from different issuers. Choose the one that suits your needs and complete the KYC process (if not already registered). Lastly, make the payment, and an FD receipt will be sent to your registered email.\\n\"}},{\"@type\":\"Question\",\"name\":\"NPS vs FD, Which is Better in 2025?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"NPS is market-linked and may offer higher returns than FDs in the long term (not guaranteed). In contrast, with FDs, you are not exposed to market fluctuations and can earn assured returns. \\nThe choice between the two depends on your risk appetite and whether you prioritise security (FD) or long-term wealth creation (NPS).\\n\"}},{\"@type\":\"Question\",\"name\":\"How to Withdraw from NPS Tier I?\\n\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In NPS Tier I, withdrawals are allowed only under certain conditions. At retirement, 60% of the savings can be withdrawn, and at least 40% must be used to buy an annuity.\\n\\nIf you exit early, it requires at least 80% annuitisation. Lastly, in case of death, the full amount goes to the nominees.\\n\"}}]}<\/script><!--FAQPage Code Generated by https:\/\/saijogeorge.com\/json-ld-schema-generator\/faq\/--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In India, retirement planning can be done through several investment options, among which Fixed Deposits (FDs) and the National Pension Scheme (NPS)&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[298,331,332,333],"class_list":["post-9873","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-fd-online","tag-nps-scheme","tag-fd-vs-nps","tag-nps-tier-ii-account"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the Difference Between NPS &amp; FD 2025<\/title>\n<meta name=\"description\" content=\"In this article, firstly, you will learn what an NPS scheme is, how it works, and the various NPS scheme details. Then, we will understand some major differences between NPS vs. fixed deposits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the Difference Between NPS &amp; FD 2025\" \/>\n<meta property=\"og:description\" content=\"In this article, firstly, you will learn what an NPS scheme is, how it works, and the various NPS scheme details. Then, we will understand some major differences between NPS vs. fixed deposits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-25T09:44:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-14T11:21:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/\",\"name\":\"What is the Difference Between NPS & FD 2025\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png\",\"datePublished\":\"2025-09-25T09:44:53+00:00\",\"dateModified\":\"2026-04-14T11:21:06+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\"},\"description\":\"In this article, firstly, you will learn what an NPS scheme is, how it works, and the various NPS scheme details. Then, we will understand some major differences between NPS vs. fixed deposits.\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png\",\"width\":731,\"height\":347,\"caption\":\"NPS vs FD Differences 2025 Guide\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is the Difference Between NPS &#038; FD 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"url\":\"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is the Difference Between NPS & FD 2025","description":"In this article, firstly, you will learn what an NPS scheme is, how it works, and the various NPS scheme details. Then, we will understand some major differences between NPS vs. fixed deposits.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/","og_locale":"en_US","og_type":"article","og_title":"What is the Difference Between NPS & FD 2025","og_description":"In this article, firstly, you will learn what an NPS scheme is, how it works, and the various NPS scheme details. Then, we will understand some major differences between NPS vs. fixed deposits.","og_url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_published_time":"2025-09-25T09:44:53+00:00","article_modified_time":"2026-04-14T11:21:06+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/","url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/","name":"What is the Difference Between NPS & FD 2025","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png","datePublished":"2025-09-25T09:44:53+00:00","dateModified":"2026-04-14T11:21:06+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453"},"description":"In this article, firstly, you will learn what an NPS scheme is, how it works, and the various NPS scheme details. Then, we will understand some major differences between NPS vs. fixed deposits.","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/26135058\/NPS-vs-FD_-Key-Differences-2025-Guide.png","width":731,"height":347,"caption":"NPS vs FD Differences 2025 Guide"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/what-is-the-difference-between-nps-fd-2025\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What is the Difference Between NPS &#038; FD 2025"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","url":"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9873","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=9873"}],"version-history":[{"count":7,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9873\/revisions"}],"predecessor-version":[{"id":13008,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9873\/revisions\/13008"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/12314"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=9873"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=9873"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=9873"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}