FD vs RD: Returns on Rs 2000, 5000 and 10000 monthly deposits and Rs 1 lakh investment over 1, 5, 10 years
Check the returns on Post Office FD and RD for different investment amounts. This guide offers detailed calculations for monthly deposits of Rs 2,000, Rs 5,000, and Rs 10,000, as well as a one-time investment of Rs 1 lakh, over 5, 10, and 15 years. Secure your savings with these low-risk options.
Find out the potential returns on Post Office Fixed Deposits (FD) and Recurring Deposits (RD) with various investment options. Whether you’re considering monthly deposits of Rs 2,000, Rs 5,000, or Rs 10,000, or a one-time investment of Rs 1 lakh, this guide provides detailed calculations for returns over 5, 10, and 15 years. Understand how your savings can grow securely with these low-risk investment options, tailored to meet different financial goals.
Investment Options
The Post Office offers both Fixed Deposit (FD) and Recurring Deposit (RD) schemes.
FD: Requires a lump sum deposit upfront.
RD: Involves regular monthly deposits.
Suitability
- FD: Ideal for those with a one-time amount to invest.
- RD: Suitable for individuals who prefer to save periodically.
Objective
This guide compares the returns on Post Office FD and RD schemes, providing examples based on different investment amounts and periods.
Fixed Deposit (FD)
- Scheme Name: National Savings Time Deposit Account.
- Maturity Options: 1 year to 5 years.
- Investment Nature: Lump sum investment.
Recurring Deposit (RD)
- Scheme Name: National Savings Recurring Deposit Account.
- Maturity Period: Fixed at 5 years.
- Investment Nature: Regular monthly deposits.
RD: Monthly Investment of Rs 2,000 for 5 Years
- Total Invested Amount: Rs 1,20,000
- Estimated Returns: Rs 22,732
- Total Value: Rs 1,42,732
RD: Monthly Investment of Rs 5,000 for 5 Years
- Total Invested Amount: Rs 3,00,000
- Estimated Returns: Rs 56,830
- Total Value: Rs 3,56,830
RD: Monthly Investment of Rs 10,000 for 5 Years
- Total Invested Amount: Rs 6,00,000
- Estimated Returns: Rs 1,13,659
- Total Value: Rs 7,13,659
FD: One-time Investment of Rs 1,00,000 for 5 Years
- Invested Amount: Rs 1,00,000
- Estimated Returns: Rs 43,226
- Total Value: Rs 1,43,226
FD: One-time Investment of Rs 1,00,000 for 10 Years
- Invested Amount: Rs 1,00,000
- Estimated Returns: Rs 1,05,137
- Total Value: Rs 2,05,137
FD: One-time Investment of Rs 1,00,000 for 15 Years
- Invested Amount: Rs 1,00,000
- Estimated Returns: Rs 1,93,810
- Total Value: Rs 2,93,810
FD vs RD
Both Post Office FD and RD schemes offer secure and predictable returns, catering to different investor needs. By understanding the maturity options and potential returns, investors can make informed decisions based on their financial goals.