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Small Steps. Smart Discipline. Steady Growth.

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💡 RD म्हणजे काय? / What is RD?

English:
Recurring Debt (RD) is a simple way to contribute small amounts regularly and receive a fixed return over time.

Marathi:
RD म्हणजे नियमित छोटे-छोटे हप्ते भरून ठरलेला परतावा मिळवण्याची सोपी पद्धत.

👉 In RD:

• You = Lender (तुम्ही निधी देता)
• IRB = Borrower (संस्था निधी वापरते)

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🔄 How It Works / कसे काम करते?

✔ Daily / Weekly / Monthly contribution
✔ Flexible amount – तुमच्या सोयीप्रमाणे
✔ Digital payment only (UPI / Bank)

👉 Regular habit = Better discipline 💯

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📊 Interest Made Simple / व्याज अगदी सोप्या भाषेत

• Annual Return: 6.15%
• Monthly: 0.5125% (approx)

📌 Important Rule:
➡️ Interest starts after completion of 31 days cycle
➡️ Then calculated pro-rata (जितके दिवस तितके व्याज)

👉 Example:
20 August ला पैसे भरले → 31 days complete → 20 September
👉 Interest starts after that ✔️

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⏳ Flexibility + Discipline

✔ Fixed EMI नाही
✔ तुमच्या सोयीनुसार हप्ता
✔ Regular saving habit develop होते

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⚠️ Important Things (लक्षात ठेवा)

• ❌ Cash payment नाही
• ❌ Loan facility नाही
• ❌ Insurance नाही
• ⚠️ Early withdrawal = 1.75% penalty
• 📩 30 days prior notice required

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👨‍👩‍👧 Nominee & Safety

✔ Nominee = Blood relation
✔ Payment only in bank account
✔ Fully KYC-based system

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📜 Legal Clarity (महत्त्वाचे)

👉 This is NOT bank RD
👉 This is private contractual arrangement with IRB
👉 Government guarantee नाही

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🎯 Who should join?

✔ Regular saving habit बनवायची आहे
✔ Small disciplined contributions करायचे आहेत
✔ Fixed structure हवा आहे

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🚀 Why RD with IRB?

✔ Simple & flexible
✔ Transparent system
✔ Digital tracking
✔ Discipline + structured returns

📌 Final Line

👉 “थोडं-थोडं जमा करा… आणि स्थिर परतावा तयार करा.”

✨ Start today. Stay consistent. Build your financial discipline.

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