FD vs RD in India: Lump Sum vs Monthly Deposits
2026-05-10
How fixed and recurring deposit calculators differ, compounding frequency, and what the maturity number really tells you.
FD starts with one principal; RD adds the same instalment each period—cash flow patterns differ even at the same rate.
Banks often compound quarterly; entering the wrong frequency skews maturity more than small rate tweaks.
Pre-tax interest is not the same as post-tax return; use the calculator for gross math, then apply your tax situation.
Compare FD/RD output to inflation and liquidity needs before locking money for the full tenure.