When it comes to getting the most interest, it really depends on your financial goals and how you plan to save. Here’s a breakdown of this:

Fixed deposits (FDs) typically offer higher interest rates compared to recurring deposits (RDs). Why? Well, with FDs, you invest a lump sum amount for a fixed period at a predetermined interest rate. Since the bank holds onto your money for a longer duration, they're willing to give you a higher interest rate as a thank-you for your commitment.

On the other hand, with recurring deposits, you invest a smaller amount regularly, say monthly, for a fixed tenure. While RDs are great for disciplined savings and can still earn you decent interest, they usually offer lower rates compared to FDs because you're depositing smaller amounts.

So, if you have a lump sum of money to invest and don't need immediate access to it, FDs might be the way to go for higher returns. But if you prefer to save smaller amounts regularly and want flexibility, RDs could be a better fit. Ultimately, it's all about what works best for you and your financial goals!