Home›Tools›FD vs RD Calculator –Fixed Deposit vs Recurring Deposit
⚖️ Side-by-Side Comparison · 2026

FD vs RD Calculator –
Fixed Deposit vs Recurring Deposit

FD and RD both offer safe, guaranteed returns — but they work very differently. FD = lump sum invested once. RD = monthly fixed deposits. This comparison tells you exactly which is better for your situation.

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Comparison Table

FD vs RD Calculator 2026 — Complete Comparison

FactorRD (Recurring Deposit)Winner
Investment typeOne-time lump sumMonthly fixed amount—
Minimum amount₹1,000 typically₹100/month—
Interest rate7–7.5% p.a.6.5–7% p.a.FD
CompoundingQuarterlyQuarterlySame
Premature breakAllowed (0.5-1% penalty)Allowed (penalty)Same
Best forLump sum availableMonthly savings disciplineDepends
Returns on ₹1L,3yr~₹12,300 interest~₹6,150 (monthly ₹2,778)FD
Tax treatmentInterest taxable (slab)Interest taxable (slab)Same
💡 Verdict: FD wins on total returns when you have a lump sum. RD wins for monthly savers who want disciplined savings. If you receive salary: use RD monthly. If you have bonus/FD maturity: use FD. See our FD Calculator and RD Calculator.
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FAQ

Frequently Asked Questions

Which gives more returns: FD or RD?▼
FD gives higher effective returns on the same amount. Example: ₹1L in FD at 7% for 3 years = ₹12,250 interest. Same ₹1L spread as RD (₹2,778/month) = only ~₹6,150 interest because early months have less accumulated. FD wins because the entire principal earns interest from day 1.
What is the difference between FD and RD?▼
FD: You invest a lump sum once and receive principal + interest at maturity. RD: You invest a fixed amount monthly (like an EMI) and receive all accumulated deposits + interest at maturity. FD requires a larger initial amount. RD is suitable for salaried people who can save monthly.
Is RD better than SIP?▼
RD is better for: capital protection, guaranteed returns, short-term goals (1-3 years). SIP is better for: inflation-beating returns, goals 7+ years away, wealth creation. RD at 7% barely beats 6% inflation. SIP at 12% gives 5.7% real returns. Use RD for short-term safety; SIP for long-term growth.

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FD CalculatorRD CalculatorPPF CalculatorSIP vs FDSIP CalculatorReal Returns Calc

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