Educational content only — not SEBI-registered investment advice, tax filing, or legal guidance. Rules and limits change; verify with official sources and qualified professionals.
Recurring deposits give certainty; liquid funds offer flexibility with market risk. Post-tax return depends on your slab and holding period.
After-tax view
Bank RD interest is taxed at slab rates. Liquid fund gains may qualify for different treatment based on holding period rules in force — read the current IT provisions before assuming debt fund advantage.
For goal money within 12 months, prioritize capital preservation over chasing 0.5% extra yield.
Related tools
Use our SIP calculator, EMI calculator, and income tax calculator for quick scenarios — then validate with a CA or SEBI-registered adviser for material decisions.
Bottom line
Rd Vs Liquid Fund Parking (2026) rewards a written plan: assumptions, review dates, and why you chose a path.