Agar aap safe investment option dhundh rahe ho jahan risk kam ho aur return fixed mile, toh sabse popular options hote hain FD (Fixed Deposit) aur RD (Recurring Deposit).
Lekin sabse bada sawal ye hota hai — FD better hai ya RD? Is detailed guide me hum real example, interest calculation table, tax rules aur practical comparison ke sath clear karenge ki kaunsa option aapke liye best hai.
FD Kya Hota Hai?
FD (Fixed Deposit) me aap ek baar me lump sum amount bank me deposit karte hain aur fixed tenure ke liye us par interest earn karte hain. Interest rate pehle se fixed hota hai.
FD Real Example
| Deposit Amount | Interest Rate | Tenure | Maturity Amount |
|---|---|---|---|
| ₹1,00,000 | 7% per year | 1 Year | ₹1,07,000 approx |
Exact maturity amount calculate karne ke liye use kare:
👉 FD Interest Calculator – Digital Tours
RD Kya Hota Hai?
RD (Recurring Deposit) me aap har mahine fixed amount deposit karte hain. Ye salary earners ke liye disciplined saving option hai.
RD Real Example
| Monthly Deposit | Total Duration | Total Invested | Maturity |
|---|---|---|---|
| ₹5,000 | 12 Months | ₹60,000 | ₹62,000 approx |
Accurate calculation ke liye:
👉 RD Interest Calculator – Digital Tours
FD vs RD – Main Difference
| Feature | FD | RD |
|---|---|---|
| Investment Type | One Time Lump Sum | Monthly Installment |
| Best For | Large Amount | Salary Earners |
| Interest Benefit | Full tenure par interest | Har installment alag duration |
| Return | Slightly Higher | Moderate |
Detailed Comparison With ₹1,20,000 Example
Case 1 – FD
- Total Invested: ₹1,20,000 (one time)
- Interest Rate: 7%
- Tenure: 1 Year
- Maturity: ₹1,28,400 approx
Case 2 – RD
- ₹10,000 per month
- Total Invested: ₹1,20,000
- Interest Rate: 7%
- Maturity: ₹1,24,000 approx
Difference clear hai — FD me pura amount full 12 mahine interest kamata hai, jabki RD me har installment alag-alag time ke liye interest kamata hai.
Tax Rules (Important)
FD aur RD dono ka interest taxable hota hai. Agar interest ₹40,000 se zyada hota hai (non-senior citizen), to bank TDS deduct kar sakta hai.
Agar aap tax planning karna chahte hain, to mutual fund SIP option bhi consider kar sakte hain:
👉 SIP Calculator – Digital Tours
FD, RD ya Lump Sum Investment?
Agar aap long-term wealth creation chahte hain, to market linked investment bhi dekh sakte hain:
👉 Lump Sum Investment Calculator
Financial Planning Tools (Must Use)
Final Verdict – Kaunsa Better Hai?
| Situation | Best Option |
|---|---|
| Bonus mila hai | FD |
| Monthly saving karni hai | RD |
| Short term goal | FD |
| Discipline saving habit | RD |
Simple rule:
- Ek saath paisa hai → FD
- Har mahine saving karni hai → RD
FAQs – FD vs RD
Q1. FD me zyada return milta hai?
Haan, kyunki pura amount full tenure ke liye invested rehta hai.
Q2. RD safe hai?
Haan, bank RD government regulated aur safe hota hai.
Q3. FD todne par penalty lagti hai?
Haan, premature withdrawal par penalty lag sakti hai.
Q4. 1 saal ke liye kaunsa better?
Agar lump sum hai to FD better hai.
