RD Calculator
Har mahine thoda-thoda jama karke ek tay rakam banani ho to RD sabse seedha tareeka hai. Ye calculator batata hai ki aapki monthly jama, byaj dar aur mahine ke hisaab se maturity par haath me kitna aayega — aur usme se kitna aapka apna paisa hai, kitna byaj.
Calculator
Kaise banta hai
RD me har mahine ki kist alag-alag samay tak jama rehti hai. Pehle mahine ki kist poore term tak byaj kamati hai, aakhri mahine ki sirf ek mahina. Isi wajah se RD ka return usi dar ki FD se thoda kam nikalta hai. Bank RD par aam taur par quarterly compounding lagate hain — yaani har teen mahine ka byaj mool me jud jaata hai aur agle quarter me us badhi hui rakam par byaj banta hai.
R = har mahine ki kist, i = mahine ka byaj (saalana ÷ 12 ÷ 100), n = kul mahine
Teen asli misaal — number ke saath
Misaal 1 — chhoti bachat. ₹1,800 har mahine, 6.5% dar, 75 mahine (6 saal 3 mahine). Jama hoga ₹1,35,000 aur maturity lagbhag ₹1,66,898 — yaani kareeb ₹31,898 byaj. Yahi number aap upar wale calculator me daal kar dekh sakte hain.
Misaal 2 — 5 saal ki RD. ₹5,000 har mahine, 7% dar, 60 mahine. Jama ₹3,00,000, maturity lagbhag ₹3,59,000. Byaj kareeb ₹59,000.
Misaal 3 — RD vs FD ka farak. ₹5,000 × 60 mahine = ₹3 lakh RD me ₹59,000 byaj deti hai. Wahi ₹3 lakh agar shuru me hi ek FD me daal dete, 7% par 5 saal, to lagbhag ₹1,24,000 byaj banta. Farak isliye hai ki FD me poora paisa pehle din se kaam kar raha hota hai.
Log yahan galti kya karte hain
- Kist miss karna. Bank aam taur par har chhooti hui kist par penalty lagate hain aur baar-baar miss karne par khaata band bhi kar sakte hain. Auto-debit laga dena sabse aasaan bachav hai.
- Beech me todna. RD todne par penalty lagti hai aur byaj us samay tak ki chhoti dar par milta hai, poori avadhi wali dar par nahi. Isliye utni hi kist rakhein jo har mahine aaram se ja sake.
- TDS ka hisaab na lagana. RD ka byaj poori tarah aapki income me judta hai. Ek saal me byaj tay limit paar kare to bank TDS kaat leta hai. Income tax ke daayre me nahi aate to saal ki shuruaat me Form 15G (senior citizen ke liye 15H) de dein.
- Post office aur bank ko ek jaisa maan lena. Dono ki dar aur niyam alag hote hain. Post office RD ki avadhi 5 saal fix hoti hai, jabki bank me 6 mahine se 10 saal tak chun sakte hain.
- Sirf dar dekhna, samay nahi. RD me samay ka asar dar se zyada hota hai. Wahi kist 3 saal ki jagah 5 saal chalane se byaj lagbhag dogna ho jaata hai.
Bharat me khaas baatein
- Kitni avadhi: Bank me 6 mahine se 10 saal. Post office RD 5 saal ki hoti hai, jise 5-5 saal aage badhaya ja sakta hai.
- Senior citizen: Zyadatar bank 0.5% extra dete hain. Ghar me buzurg hain to unke naam RD karana faydemand hai.
- Loan suvidha: Zaroorat par RD todne ki jagah uspar loan liya ja sakta hai — aam taur par jama rakam ka 80-90% tak.
- Insurance: Har bank me jama rakam par ₹5 lakh tak DICGC ka bima hota hai (mool + byaj milakar).
- Nominee: Khaata kholte waqt nominee zaroor bharein. Baad me jodne me kaagzi kaam badh jaata hai.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
RD me kam se kam kitna jama kar sakte hain?
Zyadatar bank ₹100 se ₹500 mahina se shuru kar dete hain. Post office RD ₹100 mahina se shuru hoti hai.
RD ka byaj kitni baar judta hai?
Bank aam taur par quarterly compounding karte hain, isliye asli return bataye gaye rate se thoda zyada nikalta hai.
Kya RD ka byaj tax-free hota hai?
Nahi. RD ka byaj poori tarah taxable hai aur aapke slab ke hisaab se tax lagta hai.
RD beech me tod sakte hain?
Haan, par penalty lagti hai aur byaj kam ho jaata hai. Chhoti-chhoti kai RD banana zyada samajhdaari hai.
RD aur SIP me kya farak hai?
RD me return pehle se tay hota hai aur paisa surakshit rehta hai. SIP market par nirbhar hai — lambe samay me zyada return de sakti hai, par risk ke saath.