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Build Your Savings Step by Step

Recurring Deposit
Save Regularly
Grow Confidently.

Consistent saving habits create a stronger financial foundation. Recurring Deposits offer a simple, organised way to save regularly while staying focused on your future goals.

Start Your RD Calculate Maturity
0+
Active RDs
0Cr+
Deposits Managed
0%
Customer Satisfaction
Start Your RD

Build Your Savings
Step by Step

Take the first step toward disciplined savings. Our advisors will help you choose the right tenure and monthly contribution to match your goals.

Zero charges for opening
Flexible tenures from 6 to 120 months
Competitive interest rates
Goal-based planning
Dedicated support throughout
+91 9246545737 support@kfinone.com
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Personal
2
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3
Experience
Step 1 of 3

Personal Information

Let's start with your basic contact details

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Your Location

Help us connect you with the right regional team

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Your Experience

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Review Your Details

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Understanding RD

What is a Recurring Deposit?

A Recurring Deposit (RD) is a savings and investment option that allows individuals to deposit a fixed amount at regular intervals over a selected tenure. Instead of investing a lump sum amount at one time, Recurring Deposits encourage periodic contributions to support consistent saving habits. This investment approach is commonly chosen by individuals who prefer systematic and planned financial management.

Why Consider

Save Regularly,
Grow Steadily

Encourage Regular Saving

Contribute fixed amounts consistently and create a habit of planned investing.

Flexible Contribution Planning

Choose investment amounts that align with your financial priorities.

Goal-Oriented Savings

Support future financial objectives through structured contributions.

Easy Investment Process

Begin investing through a simple and convenient process.

Financial Discipline

Maintain consistency and strengthen long-term savings habits.

₹500
Minimum Monthly Deposit
10Y
Max Tenure
7.5%
Competitive Rate*
100%
Guaranteed Returns
Features

Key Features of
Recurring Deposit

📆

Fixed Periodic Contributions

Invest a selected amount at regular intervals.

Monthly deposits
⏳

Flexible Investment Duration

Choose tenure options based on personal financial goals.

6–120 months
📊

Organized Saving Method

Follow a structured investment approach throughout the selected period.

Disciplined
🔒

Accessible Investment Solution

Designed to simplify regular investing.

Easy to start
Variants

Types of Recurring
Deposit Options

🏦

Standard RD

Suitable for individuals seeking regular and disciplined savings.

Popular
🔄

Flexible RD

Provides convenience based on selected contribution structures.

Customisable
⏳

Long-Term RD

Designed for investors planning extended financial goals.

5+ years
🎯

Goal-Based RD

Helps align savings with specific future objectives.

Targeted
Who Can Consider

Recurring Deposit Is For

Who Can Consider?

Working professionals
Young earners beginning their savings journey
Families planning future expenses
First-time investors
Individuals seeking disciplined financial habits
Long-term financial planners

Investment suitability depends on personal financial goals and preferences.

Benefits of Choosing KFinOne

Customer-focused assistance
Simple and guided process
Flexible investment opportunities
Transparent communication
Goal-based planning support
Dedicated service experience
RD Calculator

See Your Savings Grow

Monthly Deposit₹5,000
₹500₹50,000
Interest Rate (% p.a.)7.5%
4%10%
Tenure (Months)60 mo.
6 mo.120 mo.
Maturity Value
₹3,60,094
at the end of tenure
Total Invested
₹3,00,000
Interest Earned
₹60,094
Start Your RD
Before You Start

Things to Consider
Before Investing

🎯

Savings Objectives

Define what you're saving for — whether it's a vacation, education, or an emergency fund.

💰

Monthly Contribution Comfort

Choose a monthly amount that fits comfortably within your budget and cash flow.

⏳

Investment Tenure

Decide how long you want to stay committed. Longer tenures generally yield higher returns.

🧭

Future Financial Plans

Align your RD with upcoming expenses or goals like a home purchase or child's education.

💧

Liquidity Requirements

Consider if you may need early access to funds. Premature withdrawal may have penalties.

📋

Overall Financial Strategy

Balance your RD with other investments and expenses for a holistic financial plan.

Careful planning can support more informed financial decisions.

Process

Start Your RD in
4 Simple Steps

01
Set Your Goal
Define your savings objective and decide your monthly deposit amount.
02
Choose Tenure
Select the duration that aligns with your financial timeline and goals.
03
Complete KYC
Finish your KYC quickly online with PAN, Aadhaar, and basic details.
04
Start Saving
Begin your monthly deposits and watch your savings grow with guaranteed returns.
FAQs

All About
Recurring Deposit

Common questions from savers — answered with clarity.

Still Have Questions?

Our savings advisors are here to help you get started.

Chat on WhatsApp
01
What is the minimum amount to start an RD?
Getting Started You can start a Recurring Deposit with as little as ₹500 per month. This makes it accessible for everyone to build a savings habit.
02
How is the maturity amount calculated?
Returns The maturity amount is calculated using the formula for compound interest on monthly deposits. Your interest is compounded quarterly, and the total depends on your monthly contribution, rate, and tenure.
03
Can I withdraw my RD before maturity?
Flexibility Yes, premature withdrawal is allowed, but it may attract a penalty or reduced interest rate. We recommend staying invested for the full tenure to maximise returns.
04
Is my money safe in a Recurring Deposit?
Safety Yes, Recurring Deposits are considered one of the safest investment options. They offer guaranteed returns and are not subject to market volatility, making them ideal for risk-averse savers.
05
Can I change my monthly deposit amount?
Flexibility Typically, the monthly deposit is fixed for the tenure. However, some flexible RD options allow you to increase or decrease contributions with prior notice. Check with your advisor.
06
How does KFinOne help me choose the right RD?
Guidance Our advisors understand your savings goals, income, and timeline to recommend the optimal tenure and monthly contribution. We also provide projections and help you understand the returns.
07
What happens if I miss a monthly deposit?
Process Missing a deposit may result in a penalty or reduced interest. However, most RDs offer a grace period. It's best to maintain discipline to achieve your target maturity amount.
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