Post Office RD Ya Time Deposit
Dono post office ki jama yojana hain, lekin tareeka alag hai. RD mein mahine ki jama hoti hai, TD mein ek baar. Yahan is quarter ke dar ke saath poora muqabla hai.
har raste ke kadam
Every Channel, Step by Step
tareeka ka farak
Dono Kaise Kaam Karte Hain
RD mein har mahine ek fixed jama hoti hai aur byaaj tihai saalana chakravriddhi se judta hai. TD mein ek baar ki jama hoti hai, byaaj wahan bhi tihai saalana chakravriddhi hai lekin bhugtan saalana milta hai.
Pehle yeh dhyaan rakhein
- RD mein mahine ki jama poori karni hoti hai
- TD mein tenure shuru mein hi chuni jaati hai
- TD ka dar tenure ke hisaab se badalta hai
Kadam dar kadam
RD ka tareeka
India Post ke mutabiak RD mein byaaj tihai saalana chakravriddhi hota hai. Yani har mahine ki jama par byaaj lagta hai aur woh jama mein judta jaata hai.
TD ka tareeka
India Post ke mutabiak TD mein byaaj tihai saalana chakravriddhi hota hai aur saalana bhugtan milta hai. Yani byaaj judta hai lekin bhugtan alag milta hai.
Tenure chunein
India Post ke mutabiak TD ke chaar category hain — ek saal, do saal, teen saal aur paanch saal. Har tenure ka dar alag hai.
Jama ki seema jaanchein
India Post ke mutabiak TD minimum se khulta hai aur uski koi maximum seema nahin hai. Isliye badi rashi rakhne ke liye TD zyada sahi hai.
Is channel ka pramaan: www.indiapost.gov.in
muqabla ek nazar mein
Is Quarter Ke Dar
RD ka dar TD se alag hai, aur TD mein tenure ke hisaab se dar badalta hai. Neeche wali table is quarter ke dar dikhati hai jo India Post ki saving-schemes page par hain.
Pehle yeh dhyaan rakhein
- Dar quarter ke hisaab se badalte hain
- TD mein choti tenure ka dar kam, badi tenure ka dar zyada
- RD ka dar TD ke chote tenure se kam hai
Kadam dar kadam
Table mein apni tenure dhoondhein
TD ki table mein ek, do, teen aur paanch saal ke dar alag alag hain. Apni sochi hui tenure ka dar dekhein.
RD ka dar dekhein
RD ka dar ek hi hai, kyunki iski avadhi badalti nahin. Isi dar par calculator bhi hisaab lagata hai.
Calculator se dono ka hisaab lagayein
RD calculator mein mahine ki jama daalein, aur TD ke liye apni tenure chun kar dekhein. Dono ka nateeja fact bank ke dar par banta hai.
Is channel ka pramaan: www.nsiindia.gov.in, www.indiapost.gov.in
faisla aasan
Kaun Kis Ke Liye Sahi Hai
Aapki jama ki aadato ka rasta tay karta hai. Yahan woh baatein hain jinse faisla aasan hota jaata hai.
Pehle yeh dhyaan rakhein
- Salaried log RD mein zyada aasan paate hain
- Ek baar ki badi rashi TD mein behtar padti hai
- Senior citizens ke liye SCSS alag option hai
Kadam dar kadam
RD chunein agar
Aap har mahine thodi jama kar sakte hain, aur discipline ki zaroorat hai. Mahine ki jama chhukne par branch se poochhna padta hai.
TD chunein agar
Aapke paas ek baar mein rashi hai aur use kuchh saal chhupani hai. TD mein tenure ke hisaab se dar milta hai.
Tax ka hisaab samjhein
Dono par byaaj par aaykar lagta hai. Kitna lagega yeh aapke tax slab par nirbhar karta hai, isliye apne tax advisor se poochhein.
Senior citizens ke liye alag dekhein
Agar umar ka hakdaar hain to SCSS bhi dekh lein. Wahan dar TD se zyada hai, lekin woh alag scheme hai.
Is channel ka pramaan: www.nsiindia.gov.in, www.indiapost.gov.in
is quarter ke dar ke saath
RD Aur TD Ka Muqabla
| Cheez | Recurring Deposit | Time Deposit |
|---|---|---|
| Jama ka tareeka | Har mahine fixed jama | Ek baar ki jama |
| Dar (pratishat per annum) | 6.7 | 7.5 |
| TD ka dar, tenure ke hisaab se | Lagu nahin | Neeche wali table dekhein |
| Byaaj kaise judta hai | Tihai saalana chakravriddhi | Tihai saalana chakravriddhi |
| Byaaj kab milta hai | Maturity par, jama ke saath | Saalana bhugtan |
| Avadhi | Paanch saal | Ek, do, teen ya paanch saal |
| Jama ki seema | Kam se kam chhoti jama se shuru | Koi maximum seema nahin |
| Kiske liye sahi | Mahine ki jama karne wale | Ek baar ki badi rashi wale |
| Tax | Byaaj par aaykar, slab ke hisaab se | Byaaj par aaykar, slab ke hisaab se |
TD ke dar tenure ke hisaab se badalte hain, isliye upar wali table mein sabse zyada dar wali tenure ka dar dikhaya gaya hai. Apni tenure ka dar neeche wali table se dekh lein.
har tenure ka apna dar
Time Deposit Ke Dar, Tenure Ke Hisaab Se
| Tenure | Dar (pratishat per annum) |
|---|---|
| Ek saal | 6.9 |
| Do saal | 7.0 |
| Teen saal | 7.1 |
| Paanch saal | 7.5 |
Yeh dar India Post ki saving-schemes page par Time Deposit ke detail mein diye gaye hain. Teen saal ke Time Deposit ka dar 7.1 percent hai, jo PPF ka dar bhi hai, aur paanch saal ka dar 7.5 percent — wahi dar jo Kisan Vikas Patra ko milta hai. Fact bank ek hi number ke liye ek hi fact rakhta hai, isliye table mein wahi ek dar dikhta hai.
rukawat aur uska ilaaj
When It Fails
- RD ki mahine ki jama chhoot gayi
- Branch se poochhein ki kitni jama chhooti hai aur kya uska rasta hai. Jitni jama chhooti utna hi maturity par farak padta hai.
- TD ka dar tenure se pehle badal gaya lagta hai
- Ek baar TD khul gaya to us tenure ke liye dar bandh ho jaata hai. Dar badalne se sirf naye TD par asar padta hai.
- RD ka dar TD se kam hai
- Bilkul sahi hai. RD mein mahine ki jama hoti hai, isliye uska dar alag hai. Dono ka nateeja calculator se mila kar dekh lein.
- Byaaj par tax ka hisaab samajh nahin aa raha
- Dono yojanaon par byaaj par aaykar lagta hai. Kitna lagega yeh aapke tax slab par nirbhar karta hai — apne tax advisor se poochhein.
- Badha rashi rakhni hai lekin TD mein koi maximum nahin
- India Post ke mutabiak TD ki koi maximum seema nahin hai. Isliye badi rashi ke liye TD zyada sahi hai.
- Senior citizen ke liye kya behtar hai
- SCSS alag scheme hai aur uska dar TD se zyada hai. Agar umar ka hakdaar hain to SCSS ko alag se dekh lein.
- Calculator ka dar page se alag dikh raha hai
- Dono ek hi fact bank se aate hain. Farq dikhe to page purana ho sakta hai — aadhikarik page dekh kar tay karein.
- RD aur TD dono kholne hain
- Dono ek saath rakhe ja sakte hain. RD mahine ki discipline ke liye aur TD ek baar ki rashi ke liye — dono ka apna kaam hai.
ek nazar mein
Short Verdict
Mahine ki jama karne wale ke liye RD, aur ek baar ki badi rashi ke liye TD. Dono mein byaaj tihai saalana chakravriddhi hota hai, lekin TD mein tenure ke hisaab se dar badalta hai aur saalana bhugtan milta hai. Dono par byaaj par aaykar lagta hai, isliye apne tax advisor se poochh lena faydemand hai.
aksar poochhe jaane wale sawaal
Frequently Asked Questions
RD aur TD mein sabse bada farak kya hai?
Is quarter RD ka dar kya hai?
TD ka dar tenure ke hisaab se badalta hai?
Dono mein byaaj kaise judta hai?
Kis mein zyada byaaj milta hai?
Kya dono par tax lagta hai?
TD mein maximum kitni jama ho sakti hai?
Senior citizen ke liye kya dekhein?
aadhikarik srot
Official Sources
Saare dar, TD ki category, compounding, minimum jama aur no-maximum niyam India Post ki saving-schemes page se hain.
NSI: Post Office RD current interest rate · India Post: one-year Time Deposit rate · India Post: two-year Time Deposit rate · India Post: PPF rate, the same rate the three-year Time Deposit pays · NSI: KVP current interest rate and doubling period · India Post: the four Time Deposit categories · India Post: Time Deposit compounding and payout · India Post: Time Deposit opening amount · India Post: Time Deposit has no ceiling · jaancha gaya
RD ki compounding National Savings Institute ki rate page se, aur SCSS ka dar usi institute ki SCSS rate page se milaaya gaya hai.
India Post: RD is compounded quarterly · NSI: SCSS current interest rate · NSI: RD minimum deposit rule · jaancha gaya