Debt funds vs FD : Which one to choose post decline in interest rate by banks recently

May 31, 2025

A reddit user posted a query on the mutual fund community that as FD rates have dropped below 7%. Is it worth switching to debt funds now, and how do repo rates affect both? He posted that HDFC Bank has slashed the rate from 7.35% initially to 7% then and now to 6.85%.

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