Savings · FD vs RD · Comparison
FD vs RD Calculator —
Same Money, Different Maturity
₹60,000 invested as FD vs ₹5,000/month RD — same total amount but FD earns ~50% more interest because money is invested from day 1.
₹60,000 invested as FD vs ₹5,000/month RD — same total amount but FD earns ~50% more interest because money is invested from day 1.
Frequently Asked Questions
FD or RD — which gives more returns?+
FD always gives higher absolute returns than RD for the same total investment, because FD invests the full lump sum immediately while RD drips in monthly. FD interest is roughly 2x RD interest on same invested amount. Choose FD for lump sums, RD for building monthly savings.
Is FD and RD interest taxable?+
Both fully taxable at slab rate. TDS at 10% if annual interest exceeds ₹40,000 (₹50,000 seniors) at one bank. Submit Form 15G/15H if total income below taxable limit.