Investment APIWeb Calculator UI

Free Bank FD vs Debt Mutual Fund vs Arbitrage Fund API (2026)

API comparing FD interest and debt fund gains (taxed at slab) with arbitrage fund gains (taxed as equity), each worked out on top of your other income under the regime you choose.

Interactive API Playground & Live Test

GET/api/v1/fd-vs-debt-fund

Zero Auth • Open CORS

Query Parameters

amountnumber • required

Investment amount in ₹

yearsnumber • required

Holding period in years

fdRatenumber • required

FD interest rate %

debtRatenumber • required

Debt fund return rate %

arbRatenumber • required

Arbitrage fund return rate %

otherIncomenumber • optional

Taxable income besides this investment, in ₹. Interest and gains are taxed on top of it with 87A and surcharge. Default ₹15 lakh, as on the page

regimestring • optional

'new' or 'old' (default: new)

bracketnumber • optional

Legacy: a flat marginal rate %, used only when otherIncome is not sent

curl -X GET "https://fincalculator.in/api/v1/fd-vs-debt-fund?amount=5000000&years=3&fdRate=7.5&debtRate=7.5&arbRate=7.2&otherIncome=1500000&regime=new" \
  -H "Accept: application/json"

Live JSON Response (HTTP 200 OK)

Click "Execute Live API Request" below...

Request Parameters Schema

Parameter	Type	Required	Description / Notes
amount	number	Required	Investment amount in ₹
years	number	Required	Holding period in years
fdRate	number	Required	FD interest rate %
debtRate	number	Required	Debt fund return rate %
arbRate	number	Required	Arbitrage fund return rate %
otherIncome	number	Optional	Taxable income besides this investment, in ₹. Interest and gains are taxed on top of it with 87A and surcharge. Default ₹15 lakh, as on the page
regime	string	Optional	'new' or 'old' (default: new)
bracket	number	Optional	Legacy: a flat marginal rate %, used only when otherIncome is not sent

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Frequently Asked Questions (FAQs)

Is the Free Bank FD vs Debt Mutual Fund vs Arbitrage Fund API free to use in production apps?

Yes! All FinCalculator REST APIs are completely free, zero-auth, open-CORS, and edge-cached for high performance across global web and mobile applications.

What is the rate limit for /api/v1/fd-vs-debt-fund?

Endpoints are cached at the edge for 24 hours. There are no restrictive rate limits for standard web traffic and mobile applications.