Compare the decision, not just the headline number
An FD starts with a lump sum, while an RD is built from regular deposits. The right choice depends on whether you already have the capital, how often you can save and the rates and terms available to you.
Scenario workflow
- Start with the same amount or goal for both scenarios.
- Use realistic rate, return and time assumptions.
- Compare the monthly cash flow and the total result.
- Consider liquidity, taxes, fees and risk before deciding.
Useful checks
Monthly impactHow much cash flow changes each month.
Total cost / corpusThe cumulative result over the chosen period.
AssumptionsRate, return, tenure and contribution assumptions.
Real-world termsFees, taxes, scheme rules and lender conditions.