What is a Recurring Deposit?

Understanding Recurring Deposit

A Recurring Deposit is a disciplined savings instrument where you contribute a set amount every month for a chosen period. Each installment accumulates with interest, and at maturity, you receive the total deposited amount along with earned returns. It is one of the most reliable investment tools for goal-based saving with capital safety.

Fixed Monthly Investment

Set comfortable monthly contribution

Assured Growth

Predictable returns, no market risk

Key Features

Key Features of Our RD Plan

Fixed Monthly Investment

Automate your savings journey

Assured Growth

Stable, predictable returns

Flexible Tenure

6 months to 5 years

Compounding Advantage

Steady, efficient growth

Digital Convenience

Manage anytime online

Goal-Based Planning

Emergency fund, education, purchase

Benefits

How RD Helps You Build Wealth

Encourages Discipline

Small monthly savings to meaningful corpus

Steady Growth

Interest accumulation over time

No Investment Risk

Secure your future without risk

Ideal For

Individuals who prefer safe and stable investments

Salaried professionals looking for monthly savings discipline

Beginners entering the investment world

Users planning short-term or medium-term financial goals

Risk-averse investors seeking guaranteed returns

Simple Steps to Get Started

Build Financial Discipline with Confidence

Log in to your Login to Invest account, select the Recurring Deposit option, choose your monthly deposit amount, pick your preferred tenure, confirm and start your savings journey instantly. Recurring Deposit is more than just saving—it is a habit that strengthens financial discipline and ensures long-term stability.

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FAQs

Frequently Asked
Questions

What is a Recurring Deposit?

A savings instrument where you invest a fixed amount every month for a chosen period, earning assured returns at maturity.

What is the minimum monthly deposit?

You can start an RD with as low as ₹500 per month.

What is the minimum tenure?

RD tenures start from 6 months up to 5 years.

Can I withdraw RD before maturity?

Yes, but premature withdrawal may attract penalty charges.

Is RD interest taxable?

Yes, RD interest is added to your income and taxed as per your tax slab.

Can I take a loan against my RD?

Yes, you can avail a loan up to 80-90% of your RD balance.

Start Your RD Journey Today

With consistent contributions, you can achieve your goals without financial stress or market dependency. Start your Recurring Deposit today with Login to Invest and take a confident step toward structured savings and a secure tomorrow.

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