♦ Minimum Amount - RDs can be opened with a minimum amount of Rs 100 and multiples of Rs 100s
♦ Insured under DICGC - The amount invested is insured to the extent of Rs. 5L
♦ RDs can be opened for a minimum period 1 year.
♦ RDs are instruments with fixed returns with less risk compared to mutual fund, gold etc
♦ Senior Citizen gets an additional benefit of 0.5% interest over the rate offered to regular citizens.