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TDR vs STDR

TDR and STDR terms are used in banking industry. Both are type of fixed deposit. TDR means Term Deposit and STDR means special term deposit. Following is main difference between TDR and STDR.

TDR

If you want to get interest on your fixed deposit after short period like week, month or quarterly, you have to deposit under TDR scheme. At that time, bank will pay you normal interest rate on your fixed deposit. In all bank, their softwares have the option of TDR. After setting, your Fixed deposit money with TDR option, your saving account will connect with your Fixed deposit and at the completing of your time period, you will get the interest on your FD in your saving account. If your fixed deposit for 5 years but you want to Get interest after completing every month, your this choice will be accepted under TDR.


STDR

If you are not interested to get interest in short period, you will get interest on the date of maturity of your fixed deposit. Your FD will made under special term deposit scheme. In this scheme, you will get one extra benefit. After every quarter, you will get interest on your collected interest in three months. For example, if you are getting 9% interest on FD under TDR scheme but if you will deposit under STDR scheme your annual interest  will more than this because you will get the interest on past collected interest.

Related : List of Banking Terms 

Comments

: 27
  1. Hi sir,
    This comment was very useful to, pls keep on doing this social service
    regards
    jagan

    ReplyDelete
  2. very very thanx for advice about this products .

    With Regards,
    Manas Biswas

    ReplyDelete
  3. thank you sir....................

    ReplyDelete
  4. helpful for reading ...

    ReplyDelete
  5. precise and informative, thanks

    ReplyDelete
  6. tdr.....wat 'R' stands for?

    ReplyDelete
  7. "R" Stands for Rate

    ReplyDelete
  8. thank u sir, cleared...

    ReplyDelete
  9. Thank you , very helpful.

    ReplyDelete
  10. Sir, the given explanation was very useful for a person who is new to banking terms. Keep on doing good things like this. I support you. Thanks

    ReplyDelete
  11. Thanks a lot ! cleared my doubts ! May god bless you !

    ReplyDelete
  12. Hi sir i would like to ask a small question that if i deposit amount in TDR with short term period like 1 month can i get interest and capital after 1 month if i close account?

    ReplyDelete
  13. Can you give excel template for FD STDR or exact firmula to calculate various depisits in various banks. My email id: gopinath_r31@rediffmail.com

    ReplyDelete
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Accounting Education: TDR vs STDR
TDR vs STDR
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Accounting Education
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