Agar aap safe investment options dhundh rahe ho, to FD (Fixed Deposit) aur RD (Recurring Deposit) sabse pehle dimaag me aate hain.
Par sawaal ye hai 👉 FD ya RD – kaunsa better hai aapke liye?
Is blog me hum returns, risk, flexibility aur usage ke basis par dono ka clear comparison karenge.
🔹 FD (Fixed Deposit) Kya Hoti Hai?
FD me aap ek baar me lump sum amount bank ya post office me deposit karte ho, jo fixed time ke baad interest ke saath milta hai.
✅ FD ke Fayde:
- Guaranteed returns
- Risk almost zero
- Senior citizens ke liye extra interest
- Short aur long term dono ke liye useful
❌ FD ke Nuksan:
- Ek saath paisa hona chahiye
- Premature withdrawal pe penalty
- Inflation ke aage returns kabhi-kabhi kam lagte hain
🔹 RD (Recurring Deposit) Kya Hoti Hai?
RD me aap har month fixed amount deposit karte ho (jaise ₹1000/month) for a fixed period.
✅ RD ke Fayde:
- Small income walon ke liye best
- Saving discipline banata hai
- Monthly investment easy
- Risk bilkul kam
❌ RD ke Nuksan:
- Returns FD se thode kam ho sakte hain
- Missed installment par penalty
- Emergency me paisa nikalna thoda tough
📊 FD vs RD – Quick Comparison
| Feature | FD | RD |
|---|---|---|
| Investment Type | Lump Sum | Monthly |
| Risk | Very Low | Very Low |
| Returns | Slightly Higher | Moderate |
| Best For | Extra savings | Salary / Regular income |
| Flexibility | Medium | Low |
Interest high, tenure long…
Loan lene se pehle kaunsi baatein check karte ho? 🤔👇
https://techpulseinfo.com/emi-trap-loan-lene-se-pehle-kya-samjhein/
🤔 FD Ya RD – Kaunsa Better Hai?
👉 FD better hai agar:
- Aapke paas already ek amount hai
- Short-term safe return chahiye
- Emergency fund banana hai
👉 RD better hai agar:
- Aap monthly saving start karna chahte ho
- Discipline ke saath paisa jama karna hai
- Salary se thoda-thoda invest karna hai
🧠 Expert Tip (Smart Strategy)
Agar possible ho to FD + RD dono use karo:
- RD se regular saving
- FD me yearly bonus ya extra money invest karo
Isse risk bhi kam aur saving bhi strong hoti hai.
🔚 Final Verdict
FD aur RD dono hi safe aur beginner-friendly options hain.
Best option wahi hoga jo aapki income, goal aur time period ke according fit baithe.
