RD vs SIP
Recurring deposit vs mutual fund SIP — monthly savings comparison for conservative vs growth-oriented investors.
| Factor | Recurring Deposit | SIP |
|---|---|---|
| Returns | Fixed bank rate ~6–7% | Market-linked ~10–12% historical equity |
| Risk | DICGC insured up to limit | Market risk |
| Goal horizon | 1–3 year goals | 5+ year wealth building |
Verdict: RD for near-term guaranteed goals; SIP for retirement, education, and wealth that must beat inflation.
📖 Read the full guide: RD vs SIP — detailed blog · Finance calculators guide