RD vs SIP — which monthly savings habit builds more?
A Recurring Deposit locks in a fixed rate on whatever you've deposited each month. A SIP into equity funds carries market risk but a historically higher long-run return. Compare both on the same monthly amount.
RD Calculator vs SIP Calculator — 10-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →A fixed amount deposited with a bank every month for a fixed tenure, at a fixed interest rate.
Best for: Building a savings habit for a short-to-medium-term goal when you don't have a lump sum to deposit upfront.
A fixed amount invested into equity mutual funds every month, automatically, regardless of whether the market is up or down.
Best for: Long-term goals (7+ years) where you can tolerate volatility for higher growth potential.
Is RD safer than SIP?
Yes — RD returns are fixed and bank-guaranteed, while SIP returns depend entirely on market performance. RD suits shorter, safety-first goals; SIP suits longer horizons where you can ride out volatility.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.