FD vs RD vs Liquid Funds Explained
FD, RD, and liquid funds all feel 'safe', but they solve different money problems — lump sum, monthly saving, or emergency access. Picking the wrong one just means your money sits idle when you needed it flexible, or vice versa.
You get a bonus, or start saving monthly, or just want your emergency money to be reachable — each needs a different tool, not the same FD.
An FD locks a lump sum (say ₹1 lakh) for a fixed tenure at ~6.5–7% interest, but breaking it early costs you a penalty.
An RD is for people who save monthly — ₹5,000 every month for a year builds a habit plus ~6.5% returns, but it's still locked in.
Liquid funds hold your money like a savings account, giving ~6–7% returns with withdrawal in 1 working day — no lock-in.
None of these are wrong — they're just answers to different questions your money is asking.
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