Why Bharat Bond ETF is better than Bank FD, Debt Funds?

Bharat Bond ETF is better than Bank FD, Debt Funds. Please find the comparison and pick your funds based on your asset allocation.

Description	Bank FD	Debt Funds	Bharat Bond ETF
Liquidity	Minimum Two Business days  (Might need to visit Bank branch to preclose)	T+2 Days	T+1 on FOF (T + 2 on ETF)
Interest Rate	Around 6%	6 to 9%	6.6% for 3 years & 7.52% for 10 years
Taxation	Your income tax slab rate	calculated as per Capital Gain	calculated as per Capital Gain
Indexation benefit	No	Yes	Yes
Expense Ratio (charges)	Pre closure charges applicable.	up to 1%	0.0005%
Risk	upto 1,00,000 protected	Medium Risk	Low Risk due to PSU bonds
Haircut due to default	Yes, you will lose everything above 1 Lakh	Yes	Almost Nil