Fine-Tuning vs RAG: A Decision Framework with Real Numbers
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AI Engineering
19 min read8 min read

Fine-Tuning vs RAG: A Decision Framework with Real Numbers

When to fine-tune, when to use RAG, and when to combine both. Includes cost analysis and performance benchmarks from production systems.

Debasish Maji
Debasish Maji
AI Engineering Lead
April 1, 2026