How RD interest is calculated in India
A plain-English walkthrough of recurring deposit interest, quarterly compounding and why your bank's maturity quote may differ from an online estimate.
Understand the deposit before you lock the plan.
Plain-English reading on recurring deposits, tax context and safer saving decisions for Indian households.
RD tax, TDS and DICGC: a 2026 guide
Understand the difference between taxable RD interest, the TDS threshold and the ₹5 lakh DICGC insurance ceiling.
RD vs FD: choosing the right deposit habit
Compare recurring deposits and fixed deposits by cash-flow pattern, discipline and flexibility—not just the advertised interest rate.
How to choose an RD amount and tenure
A practical method for choosing a recurring deposit instalment and tenure without stretching your monthly budget.
What happens if you miss an RD instalment?
Understand common consequences of a missed recurring deposit instalment and the questions to ask your bank before opening an RD.
Premature closure of an RD: what to check
Learn how early closure can affect recurring deposit interest and why the bank's disclosed penalty policy matters.
Put it into practice
Open RD calculator