Deposits desk
Wealth starts as a habit, not a windfall.
An RD is the simplest wealth tool in India: a fixed amount, a fixed date, a guaranteed outcome. We help you attach it to real goals-and know when it's time to graduate to a SIP.
- Goal-dated, not open-ended
- Sized to survive your worst month
- A graduation path into SIPs
RD · ₹10,000/month · 5 years
₹6 L deposited → ≈ ₹7 L
Guaranteed, dated, done
*Illustrative SIP at 12% p.a.-higher, but not guaranteed. Horizon decides which tool is right.
Sound familiar?
Why “save what's left” never works
Everyone intends to save. Without a system, intention loses to every sale season. These are the four failure modes we fix.
Savings die in the savings account
The plan was “save what's left at month-end”. Nothing is ever left-and what sits there earns under 3%.
What it costs you: ₹10,000/month idle for 5 years loses over ₹90,000 versus a simple RD.
No date, no discipline
Without a goal and a debit date, saving depends on willpower. Willpower loses to every festival, sale and weekend.
What it costs you: Five years pass; the corpus doesn't exist.
RD vs SIP confusion
Half the family says RD is safe, the internet says SIP is better. Both are right-for different jobs.
What it costs you: Choosing by opinion instead of horizon costs real returns.
Missed instalments, quiet penalties
Life gets busy, two debits bounce, and the bank trims your maturity value with penalties nobody explained.
What it costs you: The habit breaks right when it was starting to compound.
How Saarthi Capital helps
Discipline by design, not willpower
An RD works because it removes the daily decision. We make sure it's pointed at something real-and that it grows up with you.
Every RD has a name and a date
“Goa trip, December 2027”, “car down-payment, 30 months”-goals with dates turn instalments into milestones.
Right-sized instalments
Set from your actual cash flow, so the RD survives bad months instead of dying in them.
Honest RD-vs-SIP comparison
Same amount, same horizon, both paths side by side. For 1–3 year goals RDs are often right; beyond 5, SIPs usually win. We'll show you why.
A graduation path
When the RD matures, it doesn't dissolve into spending-it rolls into the next goal, or steps up into a SIP.
The engagement
What we set up for you
01
Goal-dated RD design
Instalment, tenure and maturity value matched to something you actually want.
02
Bank selection
Rates and penalty terms compared-your salary bank isn't always the best home.
03
Maturity planning
What happens on day one after maturity is decided before the RD starts.
04
SIP bridge
When your horizon and comfort grow, we transition the habit into mutual funds-same debit date, bigger engine.
How it works
A calm workflow-on purpose
Clarity first, commitment second. Here is exactly what happens after you reach out.
01
Name the goal
Amount and date. Ten minutes.
02
Set the instalment
Comfortable enough to survive your worst month, not just your best.
03
Automate the debit
Standing instruction on salary day. Willpower removed from the equation.
04
Graduate on maturity
Roll into the next goal-or step up into a SIP with the habit already built.
Free tools
Run the numbers before we talk
Stress-test every idea with our free calculators-then bring the numbers to a conversation.
Questions people ask us
RD or SIP-which is better?
Different tools. RDs give a guaranteed, dated outcome-ideal for goals within 1–3 years, or if market swings will keep you up at night. Equity SIPs have historically beaten RDs over 5+ years but with volatility. We usually run both numbers for your horizon before recommending.
What happens if I miss an instalment?
Banks charge a small penalty and repeated misses can shrink your maturity value. We size instalments conservatively so this rarely happens-and set the debit right after salary day.
Is RD interest taxable?
Yes, fully at your slab, like FD interest, with TDS above the same thresholds. For long horizons at higher slabs, that's one reason equity SIPs often win post-tax.
Can I withdraw an RD early?
You can, but banks typically pay a lower rate plus a penalty. That's why we never put emergency money in RDs-your emergency fund belongs in a sweep-in FD or a liquid fund.
How do I move from RDs to mutual funds?
When a goal is 5+ years away and you're comfortable with some ups and downs, we redirect the same monthly debit into a SIP. The habit you built with the RD becomes your investing engine.
Start here
RD or SIP? Let's run both
Tell us your horizon and comfort with markets. We'll show you both paths, side by side, with honest trade-offs.
- Reply within 1 business day
- Discovery call before any product talk
- Everything documented over email
Prefer email? [email protected]