What is the difference between FD and RD?

FD is a lumpsum deposit. RD invests a fixed amount every month. Both earn bank/post-office interest for a set tenure.

Which usually grows more for the same total savings?

If you already have the full amount, FD often compounds on the entire principal sooner. RD suits monthly savers.

Yes for most bank FDs, as per your slab (TDS may apply). Compare with tax-free options like PPF when relevant.

The FD mode uses quarterly compounding by default, which is common for many bank FDs.

Often yes. Enter the senior-citizen rate your bank quotes for a fairer comparison.

Compare Fixed Deposit and Recurring Deposit returns. Toggle between side-by-side, FD-only, or RD-only views.

Principal / Lump Sum₹1.00 L

₹10,000₹50.00 L

Interest Rate (p.a.)6.8%

3%10%

Tenure5 years

1 years10 years

Quarterly compounding

Maturity Value

₹1,40,094

Interest₹40,094

Principal₹1,00,000

29%interest share

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Compare with SIP

See how mutual fund SIPs compare to FD/RD returns.

Goal Planner

Plan how much to save for a specific financial goal.

Financial Health Score

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Compare Fixed Deposit and Recurring Deposit maturity side by side for the same rate and tenure.

FD: principal, rate, years, compounding. RD: monthly deposit, rate, years. Review maturity and interest.

Match tenure to when you need the money. Check senior-citizen rate bumps.

Quoted bank rates and TDS rules can differ from this illustration.

What is the difference between FD and RD?: FD is a lumpsum deposit. RD invests a fixed amount every month. Both earn bank/post-office interest for a set tenure.
Which usually grows more for the same total savings?: If you already have the full amount, FD often compounds on the entire principal sooner. RD suits monthly savers.
Is FD interest taxable?: Yes for most bank FDs, as per your slab (TDS may apply). Compare with tax-free options like PPF when relevant.
What compounding does this FD use?: The FD mode uses quarterly compounding by default, which is common for many bank FDs.
Can senior citizens get higher rates?: Often yes. Enter the senior-citizen rate your bank quotes for a fairer comparison.