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Compare final maturity between FD and RD investments
FD Final Amount
RD Final Amount
FD Advantage
FD vs RD Comparison helps you understand the trade-off between investing capital upfront (Fixed Deposit) versus building it gradually (Recurring Deposit). Mathematically, if you have a lumpsum amount available now, investing it entirely in an FD beats spreading it monthly via RD because earlier deposits compound longer. However, life isn't always mathematical: many people don't have lumpsum but earn monthly income, making RD the practical choice. This calculator shows side-by-side maturity comparison: FD scenario (₹5L invested now for 5 years) vs RD scenario (₹83.3K/month for 5 years), demonstrating FD's compounding advantage. But it also teaches that RD is NOT 'inferior'—it's ideal for savers without capital, offers systematic discipline, and provides reasonable returns. Many investors use a blended strategy: invest bonus/accumulated savings as FD, plus monthly salary portion as RD. The real insight: both FD and RD are safe (DICGC insured), guaranteed-return instruments. The difference is your circumstances, not the scheme quality. FD for capital deployment flexibility; RD for income-constrained but disciplined savers.
EMI = P × r × (1+r)^n / ((1+r)^n − 1)Where:
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.