Recurring Deposit : Expectations vs. Reality

  • Recurring Deposit
  • 6 Months ago
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Recurring Deposit : Expectations vs. Reality

Introduction

Recurring deposits or RDs are popular investment instruments. Investors can choose from several financial institutions such as banks, post offices, and even NBFCs for starting these deposits. This instrument is made for the general public with the minimum amount required for investing in these deposits, starting from as low as Rs.500 per month. The ease with which these deposits can be opened by anyone in the respective bank or a nearby post office makes it ideal for any person looking to create a corpus for the long term.

The main benefit of recurring deposit or RD being a popular investment option in India is that it provides a shallow risk investment tool that assures returns. It also gives the customer the flexibility to choose the amount to be invested, the frequency with which the investor would like to invest, and the tenure for which the investment is to be made. This tenure mostly lasts from nearly six months to 10 years. By making these small deposits, the investors can create a substantial saving if they can put aside a specified amount every month or quarter as fixed even though the deposits are relatively small when they add up.

The power of compounding shows that the investor can expect a decent return for his investment within a few years. These savings can be used for fulfilling the long-term goals of the person. People should understand the power of small savings and compounding and not ignore making these small investments.

To make this clear, let's take an example. If you invest Rs.6241 monthly for ten years and add the current expected annual return of around 5.5%, then you would end up making 10,00,00 rupees. So, as you see, a relatively small tiny-looking amount invested in a disciplined manner every month can raise a massive fortune for you in the future.

Even though Recurring Deposits may provide a lower return for your savings during some periods, it separates you from the risk associated with the equity or the debt market. The returns in the Recurring Deposits are ensured by the bank or the financial body that the investor may have initiated an RD with. Whereas the same cannot be said about the volatile equity market, which can give even negative returns during specific periods, even in the case of the Corporate Debt, there is a chance of default by the company, which can lead to substantial capital loss. Therefore, the safe investor must have some form of their income saved in the form of a fixed return instrument. Even if the person invests in both fixed income instruments like Recurring Deposits and stocks, that would be great since the investor would not be putting their entire corpus at risk.

Benefits of Recurring Deposits

  1. This can be considered an instrument for accumulating interest on the capital invested, and as the amount keeps growing, the interest also keeps growing. Also, it is risk-free since the amount invested is guaranteed by the bank or the financial institution itself.
  2. It is immune to interest rate changes. For example, even if the interest rate falls from 6% to 5% after taking a policy, you would still be able to earn interest at the 6% that you had been offered before. This takes out an element of risk associated with the interest rate too.
  3. The more effective use of Recurring Deposits is to fulfil your long-term financial goals. By compounding your money in the long term, you would be able to receive a handsome amount for your corpus. This can be used to meet your future goals like buying a car, building your own house, marriage expenses, or being a part of your retirement corpus.
  4. Recurring Deposits are considered an asset, and therefore loans and overdrafts can be taken instead of the funds in them.

Drawbacks of Recurring Deposits

  1. Recurring Deposits come with a lock-in period similar to that of an FD, meaning the amount being deposited cannot be withdrawn before a specified tenure as decided by the investor at the beginning itself.
  2. If the investor still wishes to withdraw the amount before the specified period, they have to pay some fines, the percentage of the deposited amount.
  3. There is also no option of making a partial withdrawal in the case of Recurring Deposits, and only a lump sum payment at the end of the term is allowed. But Post Offices do allow for partial withdrawal after one year.

All in all, it can be said that Recurring Deposits or RDs are a foolproof way of creating a long-term corpus for yourself. It has stood the tests of time and still is an excellent option for capital appreciation at a fixed rate. The fixed return offered by the scheme removes the burden of constant monitoring. It can be left alone while depositing decided amounts monthly or quarterly to reap the fruits of compounding at the end.

Since recurring deposits are an instrument for long-term investments, no short-term taxes are applied yearly. This leads to savings in taxes as only the long-term capital gain tax is not applied to them. But a TDS is applied to the yearly interest at 10% if the interest income exceeds Rs. 10000. There is a one-off tax charge of 20% on the withdrawal amount for long-term capital gains.

The mode of investment is easy to understand and quickly to implement. This is one of the staple investment options for all classes and ages. Parents can start them for their children for their future higher education purpose. In contrast, to build their future and become independent, young people can create one for meeting their long-term financial goals. The elderly can invest in them to get a fixed return at the end of the period for their expenses while keeping the capital amount safe & sound.

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  • May 12 2021
  • |
  • Gold Loan

Tips to a debt-free life: A blog on how to get rid of debts in life.

  • Sep 09 2021
  • |
  • Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
  • |
  • Loans

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
  • |
  • Fixed Deposit

Financial Advantages of Obtaining a Loan against Gold

  • Dec 02 2021
  • |
  • Gold Loan

Two Wheeler Loan Repayment Plans and Options

  • Feb 26 2021
  • |
  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
  • |
  • Recurring Deposit

Is it possible for a minor to open an RD in Shriram City?

  • Jul 23 2021
  • |
  • Recurring Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
  • |
  • Gold Loan,Loans

Loan For Women Entrepreneurs

  • May 23 2022
  • |
  • Loans

Integration of the Use of AI in Finance

  • Aug 18 2021
  • |
  • Loans

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
  • |
  • Fixed Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
  • |
  • Two Wheeler Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
  • |
  • Gold Loan

Your One-stop Guide on Delay or Defaulting on Loan EMIs

  • Apr 02 2021
  • |
  • Two Wheeler Loans

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
  • |
  • Recurring Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
  • |
  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
  • |
  • Business Loans

Choose Your SME Loan As Per Your Requirement

  • Oct 26 2021
  • |
  • Business Loans

Most Relevant Senior Citizen FD Rates and Schemes

  • Nov 30 2021
  • |
  • Fixed Deposit

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
  • |
  • Business Loans

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
  • |
  • Two Wheeler Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
  • |
  • Business Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
  • |
  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
  • |
  • Recurring Deposit

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
  • |
  • Two Wheeler Loans

Are recurring deposits covered by insurance?

  • Jul 15 2021
  • |
  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
  • |
  • Recurring Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
  • |
  • Business Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
  • |
  • Recurring Deposit

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
  • |
  • Two Wheeler Loans

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
  • |
  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
  • |
  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
  • |
  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
  • |
  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
  • |
  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
  • |
  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
  • |
  • Recurring Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
  • |
  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
  • |
  • Business Loans

Loan against FD

  • May 23 2022
  • |
  • Fixed Deposit