The sticker rate is nominal and pre-tax. The number that actually grows your wealth is what is left after inflation, and for anything taxed yearly, after tax too. Read that number, not the poster.

How a return is taxed is part of the return. FD interest is taxed at your slab, every year, touched or not. Equity is taxed lighter and only when you sell. Two rates that look equal on the shelf are not equal in your hand.

Capital protection in rupees can be capital erosion in purchasing power. Safe is a real-terms question. A number that cannot clear inflation keeps every rupee and quietly shrinks what each one is worth.