RD Calculator (Recurring Deposit)
💡 2 Minute Summary (Busy Logo Ke Liye)
Kya hai: Recurring Deposit (RD) ek monthly saving scheme hai jisme aap har mahine fixed amount jama karte hain aur tenure ke end par lump sum maturity milti hai.
Kisko chahiye: Job wale log, students, aur wo families jo bina risk ke disciplined saving karna chahte hain.
Interest Reality: RD par compound interest lagta hai, lekin inflation aur tax ke baad real return limited hota hai.
Vivek Bhai Tip: RD se habit banao, lekin paisa grow karna hai toh SIP ko ignore mat karo.
📑 Is Article Mein Kya Hai?
What is Recurring Deposit?
Recurring Deposit, jise short mein RD kaha jata hai, middle-class India ki sabse trusted saving scheme hai. Iska concept simple hai – har mahine ek fixed amount jama karo aur kuch saal baad ek bada lump sum receive karo.
RD ka sabse bada fayda ye hai ki ye aapko discipline sikhati hai. Salary aate hi paisa kharch ho jata hai, lekin RD automatic deduction ke through saving force kar deti hai.
Lekin ek baat yahan clear honi chahiye – RD ek investment tool nahi hai. Ye ek saving tool hai. Matlab paisa safe rahega, lekin wealth creation limited hogi.
Example: Agar aap har mahine ₹3,000 RD mein daalte hain 5 saal ke liye, toh total deposit ₹1,80,000 hoga aur maturity approx ₹2,10,000 ke aas-paas banegi.
How RD Works in Real Life?
RD ka working samajhna bahut zaroori hai. Har installment alag-alag time ke liye invest hoti hai. Pehli installment poore tenure tak interest kamati hai, jabki last installment sabse kam time ke liye.
Isliye RD ka interest calculation simple multiply jaisa nahi hota. Bank aur Post Office quarterly compounding follow karte hain, jo thoda better return deta hai FD ke comparison mein (monthly deposits ke case mein).
Important: RD mein ek installment miss karne par penalty lag sakti hai ya interest kam ho jata hai.
RD Interest Calculation Explained (Simple Language)
RD interest compound hota hai, lekin har mahine ke deposit ke liye alag-alag duration par. Isliye manual calculation practically impossible hai.
📈 Calculation Example
Monthly RD: ₹5,000
Tenure: 10 Years
Interest Rate: 7%
Total Deposit: ₹6,00,000
Approx Maturity: ₹8,40,000 – ₹8,60,000
Bank RD vs Post Office RD
| Feature | Bank RD | Post Office RD |
|---|---|---|
| Safety | High (RBI regulated) | Very High (Govt backed) |
| Interest Rate | 5–7% | ~6.7% |
| Tenure | Flexible | Usually 5 Years |
| Penalty | Missed installment par | Rules thode strict |
Agar aapko flexibility chahiye toh Bank RD better hai. Agar aap maximum safety chahte hain toh Post Office RD strong option hai.
Real Life Scenario: Ramesh vs Suresh
Ramesh aur Suresh dono ki salary ₹30,000 hai.
Ramesh har mahine ₹4,000 RD karta hai. Suresh wahi paisa SIP mein daalta hai.
10 saal baad:
- Ramesh (RD): ~₹6.8 Lakh
- Suresh (SIP @12%): ~₹9.3 Lakh
Lesson clear hai – RD discipline banati hai, SIP wealth banata hai.
RD Par Tax Aur Inflation Ka Sach
Bahut log sochte hain RD tax-free hoti hai. Ye galat hai. RD par milne wala interest fully taxable hota hai.
Agar aap 30% tax slab mein aate hain aur RD ka nominal return 6.5% hai, toh tax ke baad real return sirf ~4.5% bachta hai.
Inflation Reality: Agar inflation 6% hai aur aapka post-tax return 4.5% hai, toh aapka paisa actually grow nahi kar raha.
Common RD Mistakes
❌ RD ko long-term investment samajhna
❌ Inflation aur tax ignore karna
❌ Missed installments
❌ Sirf RD par dependent rehna
Expert RD Tips (Vivek Bhai Style)
✔ RD se saving habit banao
✔ Emergency fund RD/FD mein rakho
✔ Long term goals ke liye SIP zaroor jodo
✔ Salary badhne par RD amount revise karo
❓ FAQ – Aapke Sawaal
Q1. RD ka minimum amount kya hota hai?
Bank aur Post Office ke hisaab se minimum ₹100 se ₹500 tak ho sakta hai.
Q2. RD interest taxable hota hai?
Haan, RD interest aapki income tax slab ke hisaab se taxable hota hai.
Q3. Kya RD beech mein band kar sakte hain?
Haan, lekin premature closure par penalty aur kam interest milta hai.
Q4. RD aur FD mein kaunsa better hai?
Monthly saving ke liye RD aur lump sum ke liye FD better hoti hai.
Q5. RD ke saath SIP karna chahiye?
Bilkul. RD safety deta hai aur SIP growth – dono ka combination best hai.
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