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Savings & depositsPublished research

Recurring Deposits in India

Compare recurring deposits by monthly contribution rules, tenure, rate, missed-instalment treatment, premature closure and maturity mechanics.

Browse 15 profiles Research methodology
Published research

Start with the exact product and its reviewed terms.

Every profile keeps its bank relationship, conditions, cautions, verification date and first-party evidence separate.

15of 15 profiles shown

15 profiles visible.

AU Small Finance BankRecurring deposit

AU Small Finance Bank Recurring Deposit

AU Small Finance Bank publishes an unusually granular RD rate table from 3 months to 120 months, including a 31–36 month peak band and separate senior-citizen rates.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 10 June 2026 range from 4.75% to 7.40% p.a. for regular customers and from 5.25% to 7.90% p.a. for eligible resident senior citizens; the reviewed peak is 31–36 months.
Best fitMonthly savers comparing higher-yield small-finance-bank RD options who are comfortable checking the exact booking-date rate and tenure band.
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Axis BankRecurring deposit

Axis Bank NRE Recurring Deposit

Axis Bank’s NRE recurring deposit is a monthly INR deposit for eligible overseas funds, with a one-year minimum tenure, tax-free interest and full repatriability.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis links the product to its live NRE recurring-deposit rate resource; exact numeric rates remain refresh-gated instead of borrowing resident senior columns.
Best fitNRIs/PIOs/OCIs who want to save overseas earnings monthly and can commit to at least a one-year NRE RD.
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Axis BankRecurring deposit

Axis Bank NRO Recurring Deposit

Axis Bank’s NRO recurring deposit is a monthly deposit for NRI Indian-source rupee funds, with shorter tenure options and NRO tax/repatriation treatment.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceAxis links the product to its live recurring-deposit rate resources; exact numeric NRO RD rates remain refresh-gated rather than inferred.
Best fitNRIs/PIOs/OCIs who want systematic saving from NRO funds over 6 months to 10 years.
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Federal BankRecurring deposit

Federal Bank Crorepati FSF

Federal Bank Crorepati FSF is an NRI recurring-deposit scheme built around a targeted fixed maturity value, funded systematically from NRE-compatible sources.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceThe bank directs customers to its live deposit-rate page for the applicable return; the engine does not infer a rate from the targeted maturity name.
Best fitNRI customers who prefer a goal/maturity-value recurring plan and can use the NRE standing-instruction route over the selected scheme horizon.
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Federal BankRecurring deposit

Federal Bank Fed Flexi Smart SaverRD

Federal Bank’s Fed Flexi Smart SaverRD is an NRI-only variable recurring deposit with no fixed monthly due date and instalments allowed up to ten times a chosen core amount.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFederal describes assured returns and the product as tax free/repatriable; the live rate resource controls the booked return and no synthetic maximum is stored.
Best fitNRI customers who want NRE-style tax/repatriation treatment but need more monthly-contribution flexibility than a conventional fixed-instalment RD.
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Federal BankRecurring deposit

Federal Bank Federal Savings Fund Recurring Deposit

Federal Bank’s Federal Savings Fund recurring-deposit product, with a low published starting instalment, long tenure range and rates linked to the bank’s resident term-deposit schedule.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceFederal Bank states that resident term-deposit rates also apply to Federal Savings Fund. The reviewed schedule effective 17 August 2026 includes 6.25%/6.75% at one year and 6.70%/7.20% at 48 months for general/senior.
Best fitSavers who want a low-entry RD with a long tenure range and value the option of a loan/overdraft relationship against the recurring deposit.
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HDFC BankRecurring deposit

HDFC Bank NRE Recurring Deposit

HDFC Bank’s NRE recurring deposit combines fixed monthly instalments with NRE tax/repatriation treatment and rates stated to be at par with NRE fixed deposits.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe reviewed NRE RD uses rates at par with HDFC NRE Fixed Deposits; current comparable anchors therefore follow the bank’s NRE FD schedule rather than a separate promotional maximum.
Best fitNRIs who want systematic monthly saving from eligible NRE funds and can keep the deposit for at least one year.
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HDFC BankRecurring deposit

HDFC Bank NRO Recurring Deposit

HDFC Bank’s NRO recurring deposit is a systematic rupee deposit for NRI funds, with shorter starting tenures than NRE RD and interest taxable under NRO treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceHDFC states NRO RD rates are at par with NRO Fixed Deposits; the engine uses the current NRO FD schedule only for stored comparable anchors.
Best fitNRIs who want to save Indian-source or other permitted NRO rupee funds monthly and need a tenure starting below one year.
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HDFC BankRecurring deposit

HDFC Bank Recurring Deposit

A monthly savings deposit with tenure-specific rates, quarterly compounding and first-party per-tenure effective dates rather than one evergreen headline rate.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceThe current HDFC RD table uses tenure-specific effective dates. Reviewed anchors include 4.25% at 6 months, 6.25% at 12 months, 6.45% at 18–36 months and 6.50% at 39–54 months; eligible senior rates are higher.
Best fitHDFC customers who want disciplined monthly saving and can choose a tenure using the bank's dated RD rate table rather than a generic advertised maximum.
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ICICI BankRecurring deposit

ICICI Bank NRE Recurring Deposit

ICICI Bank’s NRE recurring deposit is a monthly NRI savings product funded from an active NRE relationship, with tax-exempt interest and full repatriability.

First-party checked1 bank sourceReviewed September 10, 2026
Current rate evidenceThe current NRI RD page publishes no single durable headline rate in the captured product evidence; the contracted rate is the live NRI RD rate at booking and interest compounds quarterly.
Best fitICICI NRE customers who want a fixed monthly saving plan for overseas earnings over a 1-to-10-year horizon.
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ICICI BankRecurring deposit

ICICI Bank NRO Recurring Deposit

ICICI Bank’s NRO recurring deposit is a systematic monthly deposit for India-based NRI income, with taxable interest and NRO repatriation treatment.

First-party checked1 bank sourceReviewed September 10, 2026
Current rate evidenceThe current NRI RD page leaves the exact numeric rate to the live rate resource; interest compounds quarterly and NRO interest is subject to TDS under applicable law.
Best fitICICI NRO customers who want a fixed monthly saving plan beginning from a six-month tenure.
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ICICI BankRecurring deposit

ICICI Bank Recurring Deposit

ICICI Bank's RD offers 6-month to 10-year tenures with a rate fixed at opening, quarterly interest calculation and an explicit missed-instalment penalty.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 29 December 2025 run from 4.50% to 6.50% p.a. for general customers and from 5.00% to 7.10% p.a. for senior citizens across the published tenure bands.
Best fitICICI customers who want a fixed monthly commitment and value knowing the contracted rate will not change during the RD tenure.
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Kotak Mahindra BankRecurring deposit

Kotak Mahindra Bank Recurring Deposit

Kotak's resident recurring-deposit table publishes a clear 6-month-to-10-year rate ladder with special senior-citizen additions that vary by tenure band.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 10 June 2026 run from 5.50% at 6 months to a reviewed peak of 6.80% for 24–33 months; resident senior-citizen additions are 0.50% for many tenures and 0.60% for the stated 3-to-under-5-year band.
Best fitKotak customers who want a straightforward monthly deposit and can choose among the published tenure bands instead of chasing one headline rate.
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State Bank of IndiaRecurring deposit

SBI Recurring Deposit

SBI's standard recurring deposit uses regular monthly instalments over 12–120 months and applies the corresponding term-deposit rate for public or senior-citizen customers.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceSBI states that its RD earns the rate applicable to term deposits. The reviewed retail term-deposit schedule below ₹3 crore is effective from 15 December 2025.
Best fitSBI customers seeking a long-tenure disciplined savings plan with a very low ₹100 monthly starting amount and transparent missed-instalment rules.
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YES BANKRecurring deposit

YES BANK Recurring Deposit

YES BANK’s resident recurring deposit with a dated six-month-to-10-year rate ladder, senior-citizen premiums and a separate Flexigain RD proposition for variable monthly contributions.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceResident RD rates effective 2 June 2026 range from 6.00% at six months to a reviewed peak of 7.25% at 21 months; eligible senior-citizen rates reach 7.75% in selected bands.
Best fitMonthly savers comparing higher mid-tenure RD rates who can commit to the chosen tenure and want both regular fixed-instalment and flexible-contribution options.
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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

01

Rate by tenure

Use the exact contracted tenure rate and effective date rather than comparing only each bank’s maximum advertised RD rate.

02

Monthly instalment rule

Minimum instalment, allowed increments and whether the amount can be changed after opening affect practical flexibility.

03

Missed instalments

Compare delayed-instalment penalties, auto-debit behavior and when repeated defaults can trigger closure.

04

Premature closure

Check how the bank recalculates interest and applies penalties if the RD is closed before maturity.

Compare by tenure

Use the maturity you actually plan to hold.

These routes compare normalized bank schedule anchors rather than unrelated headline maximums.

1-Year Recurring DepositCompare 1 year schedule anchors2-Year Recurring DepositCompare 2 years schedule anchors3-Year Recurring DepositCompare 3 years schedule anchors5-Year Recurring DepositCompare 5 years schedule anchorsDeposit Rate FinderSwitch tenure and customer categoryRate historyTrack preserved effective-date changes
Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

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Decision fields

What this category should verify.

01Monthly instalment range
02Tenure and interest rate
03Missed-instalment treatment
04Premature closure / maturity rules