{"id":16262,"date":"2026-09-22T12:39:28","date_gmt":"2026-09-22T07:09:28","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=16262"},"modified":"2026-09-22T12:41:49","modified_gmt":"2026-09-22T07:11:49","slug":"all-about-recurring-deposits-rds-the-complete-investors-guide","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/","title":{"rendered":"All About Recurring Deposits (RDs): The Complete Investor\u2019s Guide"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Recurring_deposits_remain_one_of_Indias_most_trusted_disciplined_savings_tools_This_article_walks_you_through_RD_basics_2026_interest_rates_premature_withdrawal_rules_TDS_implications_and_practical_tips_to_decide_if_an_RD_deserves_a_spot_in_your_portfolio\"><\/span><strong>Recurring deposits remain one of India&#8217;s most trusted, disciplined savings tools. This article walks you through RD basics, 2026 interest rates, premature withdrawal rules, TDS implications, and practical tips to decide if an RD deserves a spot in your portfolio.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>If you&#8217;ve ever set aside a fixed sum every month &#8220;just to be safe,&#8221; you&#8217;ve already understood the core idea behind a recurring deposit. It is one of the oldest and simplest ways of saving in India. Although other instruments such as mutual funds and SIPs have come into the picture, recurring deposits have held their ground. <\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Recurring_deposits_remain_one_of_Indias_most_trusted_disciplined_savings_tools_This_article_walks_you_through_RD_basics_2026_interest_rates_premature_withdrawal_rules_TDS_implications_and_practical_tips_to_decide_if_an_RD_deserves_a_spot_in_your_portfolio\" >Recurring deposits remain one of India&#8217;s most trusted, disciplined savings tools. This article walks you through RD basics, 2026 interest rates, premature withdrawal rules, TDS implications, and practical tips to decide if an RD deserves a spot in your portfolio.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#What_Is_a_Recurring_Deposit_and_How_Does_It_Work\" >What Is a Recurring Deposit, and How Does It Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Current_RD_Interest_Rates_in_India_2026\" >Current RD Interest Rates in India (2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Popular_High-Return_RD_Options_Small_Finance_Banks\" >Popular High-Return RD Options: Small Finance Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#RD_vs_FDs_and_SIPs_Where_Does_It_Fit\" >RD vs. FDs and SIPs: Where Does It Fit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Premature_Withdrawal_and_Missed_Instalments\" >Premature Withdrawal and Missed Instalments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Tax_Implications_on_RD_Interest\" >Tax Implications on RD Interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Is_an_RD_Right_for_You\" >Is an RD Right for You?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#The_Bottom_Line\" >The Bottom Line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Recurring_Deposits_Frequently_Asked_Questions\" >Recurring Deposits\u00a0Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>In 2026, with several banks (including small finance banks) and the Post Office offering attractive interest rates, recurring deposits are a good option for people wanting to earn predictable, low-risk returns without the worry of having to time the market. This article will cover how they work, how much they pay, and the taxation aspect and help you decide if it should be a part of your financial plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_Recurring_Deposit_and_How_Does_It_Work\"><\/span><strong>What Is a Recurring Deposit, and How Does It Work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A Recurring Deposit is exactly what the name suggests: a fixed amount is deposited every month into a bank or post office account for a fixed period (usually between 6 months and 10 years), at the end of which the complete deposited amount is returned along with compounded interest. Unlike a fixed deposit, where you invest a lump sum upfront, an RD lets you build that lump sum gradually, which suits salaried individuals and anyone else looking for fixed monthly investments.<\/p>\n\n\n\n<p>The interest is typically compounded quarterly, and the rate you lock in at account opening stays fixed for the entire tenure, even if rates change later. That predictability is the whole appeal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Current_RD_Interest_Rates_in_India_2026\"><\/span><strong>Current RD Interest Rates in India (2026)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Rates vary meaningfully between banks and tenures, so it&#8217;s worth comparing before you commit.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank\/Institution<\/strong><\/td><td><strong>1-Year Rate<\/strong><\/td><td><strong>3-Year Rate<\/strong><\/td><td><strong>5-Year Rate<\/strong><\/td><td><strong>Senior Citizen (1-Year)<\/strong><\/td><\/tr><tr><td>SBI<\/td><td>6.25%<\/td><td>6.30%<\/td><td>6.05%<\/td><td>6.75%<\/td><\/tr><tr><td>HDFC Bank<\/td><td>6.25%<\/td><td>6.45%<\/td><td>6.40%<\/td><td>6.75%<\/td><\/tr><tr><td>ICICI Bank<\/td><td>6.25%<\/td><td>6.45%<\/td><td>6.50%<\/td><td>6.75%<\/td><\/tr><tr><td>Axis Bank<\/td><td>6.70%<\/td><td>7.10%<\/td><td>7.00%<\/td><td>7.20%<\/td><\/tr><tr><td>Kotak Mahindra Bank<\/td><td>7.10%<\/td><td>7.00%<\/td><td>6.20%<\/td><td>7.60%<\/td><\/tr><tr><td>PNB<\/td><td>6.10%<\/td><td>6.30%<\/td><td>6.35%<\/td><td>6.60%<\/td><\/tr><tr><td>Post Office RD<\/td><td>6.70%<\/td><td>6.70%<\/td><td>6.70%<\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Source: Respective banks, India Post<\/em><\/p>\n\n\n\n<p><em>Rates are as of mid-to-late 2026 and vary by source\/date since banks revise them frequently. Always confirm current rates on the bank&#8217;s official page before opening an account. Post Office RD rates are set by the Ministry of Finance and reviewed every quarter.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A few things worth noting:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rate structures aren&#8217;t always linear across tenures. A bank&#8217;s &#8220;special&#8221; tenure (e.g a 400-day or 444-day slab) may have a higher rate structure than a regular 1-year or 5-year tenure, so check tenure-wise slabs and don&#8217;t assume that a longer tenure means a higher rate.<\/li>\n\n\n\n<li>Senior citizens typically receive an additional 0.25%-0.75% across most banks.<\/li>\n\n\n\n<li>Although Post Office RDs are fully backed by the Government of India, you must keep in mind that the rate structure is flatter and is revised every quarter, as opposed to banks, which revise rates at their own discretion.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Popular_High-Return_RD_Options_Small_Finance_Banks\"><\/span><strong>Popular High-Return RD Options: Small Finance Banks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Small Finance Banks (SFBs) continue to offer some of the higher RD interest rates available in 2026. Banks such as Unity Small Finance Bank, Jana Small Finance Bank, and Suryoday Small Finance Bank have published regular RD rates reaching around 7.5%\u20138.25%, while senior-citizen rates can be higher.\u00a0<\/p>\n\n\n\n<p>A few practical points if you&#8217;re considering this route:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SFB deposits, just like any scheduled bank, are also covered by DICGC insurance up to \u20b95 lakh per depositor per bank; therefore, the safety net is largely the same.<\/li>\n\n\n\n<li>High rates often correlate with SFBs being smaller and newer, creating a greater need to attract deposits more quickly, and do not necessarily indicate higher risk for an investor (within the insured limit).<\/li>\n\n\n\n<li>It is advised to split large RD amounts across banks in order to stay within the \u20b95 lakh DICGC cover, as opposed to putting all the money with one SFB.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RD_vs_FDs_and_SIPs_Where_Does_It_Fit\"><\/span><strong>RD vs. FDs and SIPs: Where Does It Fit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An RD is often mistaken for an FD or directly compared to an SIP. Here&#8217;s the quick distinction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RD vs. FD:<\/strong> An RD allows monthly investments, while an FD requires a lump sum. If you don\u2019t have a big sum of money but can save money regularly, choosing an RD over an FD is the more disciplined choice.<\/li>\n\n\n\n<li><strong>RD vs SIP:<\/strong> An SIP (in mutual funds) carries market risk but has historically delivered higher long-term returns. An RD provides guaranteed, fixed returns with no market exposure; it is suitable for short-to-medium-term goals and risk-averse investors.\u00a0<\/li>\n\n\n\n<li><strong>Best used for:<\/strong> Building an emergency fund, saving for a specific near-term goal, or as the &#8220;safe bucket&#8221; within a diversified portfolio.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposit Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/where-to-invest-1-lakh-in-fixed-income-a-practical-guide\/\" aria-label=\"Where to Invest \u20b91 Lakh in Fixed Income in 2026: A Practical Guide\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/21155228\/Where-to-invest-1-lakh-rupee-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Where to invest 1 lakh rupee\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/21155228\/Where-to-invest-1-lakh-rupee-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/21155228\/Where-to-invest-1-lakh-rupee-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/21155228\/Where-to-invest-1-lakh-rupee-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/21155228\/Where-to-invest-1-lakh-rupee-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/21155228\/Where-to-invest-1-lakh-rupee.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/where-to-invest-1-lakh-in-fixed-income-a-practical-guide\/\">Where to Invest \u20b91 Lakh in Fixed Income in 2026: A Practical Guide<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/\" aria-label=\"Post Office FD Rates 2026 Explained: Tenures, Quarterly Compounding, and Annual Payouts\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Post Office FD Rates 2026 Sep\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/\">Post Office FD Rates 2026 Explained: Tenures, Quarterly Compounding, and Annual Payouts<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-amrit-vrishti-fd-2026-is-the-444-day-fd-still-worth-it-after-the-rate-cut\/\" aria-label=\"SBI Amrit Vrishti FD 2026: Is the 444-Day FD Still Worth It After the Rate Cut?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"SBI Amrit Vrishti FD 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-amrit-vrishti-fd-2026-is-the-444-day-fd-still-worth-it-after-the-rate-cut\/\">SBI Amrit Vrishti FD 2026: Is the 444-Day FD Still Worth It After the Rate Cut?<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Premature_Withdrawal_and_Missed_Instalments\"><\/span><strong>Premature Withdrawal and Missed Instalments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RDs aren&#8217;t as rigid as they seem, but breaking one does cost you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Premature closure is usually allowed after a minimum lock-in (often 3 months), but comes with a penalty: The deposit earns an interest rate that is 0.5% &#8211; 1% lower than the rate for the period it was held.<\/li>\n\n\n\n<li>Missing instalments attracts a small penalty. Post Office RDs, for instance, charge a small penalty of approximately \u20b91 for every \u20b9100 of a missed monthly instalment.<\/li>\n\n\n\n<li>Missing several consecutive instalments (commonly four to six, depending on the bank) can lead to automatic account closure.<\/li>\n<\/ul>\n\n\n\n<p>RDs have stricter rules compared to an SIP, where missing a payment does not have any immediate consequences. This is worth keeping in mind if your monthly cash flow isn&#8217;t fully predictable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_Implications_on_RD_Interest\"><\/span><strong>Tax Implications on RD Interest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is the part many investors miss. RD interest is fully taxable, added to your total income and taxed as &#8220;Income from Other Sources.&#8221; There is no special concessional treatment.&nbsp;<\/p>\n\n\n\n<p>Banks deduct TDS if your total interest income from all RDs\/FDs with that bank crosses \u20b950,000 in a financial year (\u20b91,00,000 for senior citizens). The thresholds have been increased under Budget 2025, effective April 1, 2025, and are now governed by Section 393(1) of the Income Tax Act, 2025 (previously Section 194A). If your total income is below the taxable threshold, you can avoid this deduction by submitting Form 121, which replaced the earlier Forms 15G and 15H, from April 1, 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_an_RD_Right_for_You\"><\/span><strong>Is an RD Right for You?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An RD is a good option if you have a short- to medium-term (1-5 years) investment horizon and want to save for a specific goal in a disciplined manner with capital protection and no market risk. It makes less sense if you have a long-term (10+ years) investment horizon and can bear market risk, as an SIP in equity mutual funds is likely to give better returns than an RD even after accounting for inflation and taxes.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Bottom_Line\"><\/span><strong>The Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RDs aren&#8217;t glamorous, but they remain one of the most dependable tools for goal-based, low-risk saving in India. With rates ranging from roughly 6.5% at large banks to 7.5%\u20138.5% at some Small Finance Banks, and DICGC insurance covering deposits up to \u20b95 lakh, an RD is worth considering as part of a balanced financial plan. Just remember to factor in the tax before counting your final returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recurring_Deposits_Frequently_Asked_Questions\"><\/span><strong>Recurring Deposits\u00a0Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1790060162529\"><strong class=\"schema-faq-question\">Q1. <strong>How does a Recurring Deposit work?<\/strong><\/strong> <p class=\"schema-faq-answer\">You choose an installment amount and tenure and deposit the specified amount at regular intervals. Each installment earns interest according to the institution&#8217;s applicable calculation method, and the accumulated amount is paid at maturity.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790060180582\"><strong class=\"schema-faq-question\">Q2. <strong>What is the minimum amount required to open an RD?<\/strong><\/strong> <p class=\"schema-faq-answer\">There is no single minimum applicable to every RD. Banks and other institutions set their own minimum installment requirements, so investors should check the specific product before opening an account.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790060194029\"><strong class=\"schema-faq-question\">Q3. <strong>How often do I have to deposit money in an RD?<\/strong><\/strong> <p class=\"schema-faq-answer\">Most RDs require monthly installments, although the exact payment frequency and due date depend on the institution and product.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790060217098\"><strong class=\"schema-faq-question\">Q4. <strong>Can I choose the amount I want to invest every month?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, you normally select the monthly installment when opening the RD. The amount generally remains fixed throughout the chosen tenure unless the product&#8217;s terms provide otherwise.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790060232657\"><strong class=\"schema-faq-question\">Q5. <strong>Is RD interest taxable?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Interest earned on an RD is generally taxable according to the investor&#8217;s applicable income-tax rules. An RD should not be treated as a tax-free investment merely because it is a bank deposit.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790060248709\"><strong class=\"schema-faq-question\">Q6. <strong>Is TDS deducted on RD interest?<\/strong><\/strong> <p class=\"schema-faq-answer\">TDS may apply when the applicable conditions and thresholds are met. The rules depend on the investor&#8217;s circumstances and the tax provisions applicable during the relevant financial year<\/p> <\/div> <\/div>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: Recurring deposits remain one of India&#8217;s most trusted, disciplined savings tools. This article walks you through RD basics, 2026&hellip;<\/p>\n","protected":false},"author":16,"featured_media":16265,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1026,25],"tags":[],"class_list":["post-16262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Recurring Deposit (RD) Explained: Interest Rates, Tenure, Tax &amp; Returns<\/title>\n<meta name=\"description\" content=\"Learn how recurring deposits work in India. Understand RD interest rates, tenure, maturity returns, taxation, premature withdrawal and how RDs compare with FDs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Recurring Deposit (RD) Explained: Interest Rates, Tenure, Tax &amp; Returns\" \/>\n<meta property=\"og:description\" content=\"Learn how recurring deposits work in India. Understand RD interest rates, tenure, maturity returns, taxation, premature withdrawal and how RDs compare with FDs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/guide\/all-about-recurring-deposits-rds-the-complete-investors-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-22T07:09:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-22T07:11:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/22124135\/Recurring-Deposits-RDs.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kunal Arora | CA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kunal Arora | CA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/\"},\"author\":{\"name\":\"Kunal Arora | CA\",\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/#\\\/schema\\\/person\\\/d3fccd8baf9a3fda41c1c5356272ce8d\"},\"headline\":\"All About Recurring Deposits (RDs): The Complete Investor\u2019s Guide\",\"datePublished\":\"2026-09-22T07:09:28+00:00\",\"dateModified\":\"2026-09-22T07:11:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/\"},\"wordCount\":1529,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/d2zny4996dl67j.cloudfront.net\\\/blogs\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/22124135\\\/Recurring-Deposits-RDs.jpg\",\"articleSection\":[\"Guide\",\"Bond News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/\",\"url\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/\",\"name\":\"Recurring Deposit (RD) Explained: Interest Rates, Tenure, Tax & Returns\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/guide\\\/all-about-recurring-deposits-rds-the-complete-investors-guide\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/d2zny4996dl67j.cloudfront.net\\\/blogs\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/22124135\\\/Recurring-Deposits-RDs.jpg\",\"datePublished\":\"2026-09-22T07:09:28+00:00\",\"dateModified\":\"2026-09-22T07:11:49+00:00\",\"description\":\"Learn how recurring deposits work in India. 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