For most Indian households, setting aside a fixed amount every month is a discipline passed down through generations. Earlier, Recurring Deposits (RDs) were the default choice — safe, predictable, and easy to understand. But with mutual fund SIPs now becoming mainstream, the question has shifted from “Should I save monthly?” to “Where should I invest monthly — SIP or RD?”
IndiaToday.in spoke to Ranjit Jha, MD and CEO of Rurash Financials, and Shubham Gupta, CFA and Co-founder of Growthvine Capital, to decode this classic dilemma.
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IT ALL BEGINS WITH YOUR GOAL
“If the goal is short-term, anything under three y
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