FD vs RD: fark kya hai, example ke saath
Fixed deposit (FD) me aap bank me ek lump sum ek fixed samay ke liye ek tay interest rate par rakhte ho. Recurring deposit (RD) me aap ek fixed samay tak har mahine ek fixed amount jama karte ho. Dono interest dete hain, lekin FD unke liye hai jinke paas paisa pehle se hai, aur RD regular income se bachat ke liye.
Updated: · Sirf education ke liye. Investment advice nahi.
FD kaise kaam karti hai
Aap apni chuni hui avadhi, jaise ek saal, ke liye ek lump sum jama karte ho. Bank FD kholte samay interest rate tay kar deta hai. Aap interest principal ke saath maturity par le sakte ho (cumulative), ya har mahine ya quarter le sakte ho (non-cumulative), jo bhi options aapka bank deta hai.
RD kaise kaam karti hai
Aap ek monthly amount aur avadhi chunte ho, aur har mahine wo amount jama karte ho. Har instalment sirf utne samay ka interest kamata hai jitne samay wo account me rehta hai, isliye pehli instalment sabse zyada kamati hai. Avadhi poori hone par aapko saari instalments aur interest milta hai. Koi instalment chhoot jaye to penalty lag sakti hai, jo bank ke hisaab se alag hoti hai.
Ek saral example (hypothetical rate)
Maan lo rate 7% saalana hai, quarterly compounding ke saath, ek saal ke liye. Ye rate sirf samjhane ke liye hai. FD: aap ek baar Rs 1,00,000 jama karte ho aur ek saal baad lagbhag Rs 1,07,186 milta hai, yaani interest lagbhag Rs 7,186. RD: aap 12 mahine tak har mahine Rs 5,000 jama karte ho, yaani kul Rs 60,000, aur ant me lagbhag Rs 62,311 milta hai, yaani interest lagbhag Rs 2,311. RD ka interest kam isliye hai kyunki zyadatar paisa saal bhar se kam samay tak account me rehta hai. Asli banks alag tareeke se compound kar sakte hain, isliye apne bank ke figures use karein.
Main differences
FD me pehle din poori rakam chahiye hoti hai, jabki RD mahine dar mahine banti hai. FD poori rakam par poore samay ka interest kamati hai, jabki har RD instalment sirf apni date se interest kamati hai. FD me term ke dauran interest payout mil sakta hai, jabki RD ant me pay karti hai. Dono ke interest rates bank aur avadhi par depend karte hain, aur RD ka rate FD se apne aap zyada ya kam nahi hota.
Safety, early exit aur tax
Bank deposits DICGC se Rs 5 lakh tak insured hote hain, per depositor per bank, principal aur interest milakar, aur isme us bank me aapke saare deposits ek saath ginte jaate hain. Ye limit badal sakti hai, isliye DICGC ki website check karein. Agar aap FD ya RD maturity se pehle todte ho to bank penalty laga sakta hai ya kam rate de sakta hai. Interest par income tax rules ke hisaab se tax lagta hai, aur bank TDS kaat sakta hai; kripya current rules check karein.
Aam galatfehmiyan
- Ye maan lena ki RD hamesha FD se zyada rate deti hai, ya ulta. Rate bank aur avadhi par depend karta hai, isliye asli rates compare karein.
- Early exit ki penalty ko nazarandaaz karna. Deposit jaldi todne se aapko milne wala interest kam ho sakta hai.
- Ye bhool jaana ki DICGC cover per bank hai, per account nahi, aur isme interest bhi shamil hai.
Aage seekhein
Aksar pooche jaane wale sawaal
Kya main FD maturity se pehle tod sakta hoon?
Zyadatar banks allow karte hain, lekin wo penalty laga sakte hain ya kam rate de sakte hain. Kuch special deposits me early exit allowed nahi hota. Kholne se pehle apne bank ke terms check karein.
Agar RD ki instalment chhoot jaye to kya hota hai?
Kai banks late instalment par chhoti penalty lagate hain, aur baar baar chhootne par RD jaldi band ho sakti hai. Rules bank ke hisaab se alag hain, isliye terms padhein.
Kya FD ya RD ka interest taxable hai?
Haan, deposits ke interest par income tax rules ke hisaab se tax lagta hai, aur bank kuch limits ke upar TDS kaat sakta hai. Limits badal sakti hain, isliye Income Tax Department ki website dekhein ya tax professional se poochein.
Kya bank deposits safe hain?
RBI dwara regulated banks ke deposits DICGC se Rs 5 lakh tak insured hote hain, per depositor per bank, interest milakar. Is limit se upar ki rakam is insurance me cover nahi hoti.
Sources aur aage padhne ke liye
Ye page general education hai. Ye kisi bank, deposit ya interest rate ki recommendation nahi hai. Rates, charges aur tax rules badalte rehte hain, isliye apne bank aur official sources se latest details check karein.