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FD vs RD — Kaunsа Behtar?
Bachat ke do sabse aam aur surakshit tarike hain — FD (Fixed Deposit) aur RD (Recurring Deposit). Dono bank/post-office me hote, dono surakshit, par inका tarika alag hai. Is guide me samjhenge kaunsа aapke liye behtar. Neeche dono calculator bhi hain.
➤ FD / RD Calculator kholeinFD kya hai
FD me aap ek saath ek badी rakam (jaise ₹1 lakh) ek tay samay ke liye jama karte hain, aur us par fixed byaj milta hai. Jinke paas ekmusht paisa hai, unke liye FD achhी.
RD kya hai
RD me aap har mahine ek chhotी tay rakam (jaise ₹2,000) jama karte hain, kuch saal tak. Jinke paas ek saath bada paisa nahi, par har mahine thodा bacha sakte, unke liye RD behtar.
Seedha farak: FD = ek baar bada paisa. RD = har mahine thodа-thodа. Byaj dar dono me lagbhag same, bas jama karne ka tarika alag.
Kaunsа kab behtar
- Ekmusht paisa hai (bonus, savings) → FD
- Har mahine thodа bacha sakte → RD
- Dono surakshit, dono me byaj fixed
- Zaroorat par dono tod sakte (thodी penalty)
Calculator kaise use karein
- FD: rakam + byaj + saal → maturity
- RD: monthly + byaj + saal → maturity
FAQ
FD ya RD me byaj zyada?
Aam taur par lagbhag same (bank par depend). Farak sirf jama ka tarika.
Kya tax lagta?
Byaj par TDS/tax lag sakta agar limit se zyada ho. Bank se confirm karein.
⚠️ Disclaimer: Sirf aam jaankari ke liye. Hum SEBI-registered advisor nahi. Paise ka faisla salahkaar se salah lekar. Poora disclaimer.