#basis

[basicallyanotherwitchesthing]

Alexander Lowen, M.D. - Depression and the Body - Pelican - 1981

[viilan]

DP!GN!Reader x Batfamily Headcannons

i need a name for this series

* Reader is an awful baker/cook, you got your skills from maddie and it was clear. Jazz was the only one who could cook

* Reader adore space and aliens ( much like danny did in the series ), their favourite justice league member have to be martian manhunter, superman and green lantern!

* Reader know alot of psychology, despite not being that interested in it. Jazz was a yapper and Reader love to listen to her

* Vlad and reader relationship is strained due to the whole ‘be my evil heir’ but Vlad have been a reliable source for them.

* Reader have nightmares of what happened, sometimes they can still feel the fire licking their skins and hear their family scream.

* Reader hero name is Phantom, despite trying to get a cooler name, everyone just refer to them as Phamtom expect the ghosts who deem them ‘yearling’ or ‘brat.’

* Jazz love wonder woman, she adore seeing a woman superhero up with the big shots but Reader think Jazz is better.

* Jazz and Reader went as wonder woman and martian manhunter as a halloween costume. The costume was made by Jazz. Reader was green for weeks afterward. ( Sam and Tucker also dress as superhero.)

* Reader accidentally set the kitchen on fire while trying to make a birthday cake for Jack, then proceeded to cry over it. Jack ate the whole thing and had food poisoning for a week. he alway claimed it was the best cake he ever gotten.

* Reader made cards for each occasion. Birthday, holidays or anything like that. the family save them all. the fridge was cover from years old cards.

* Reader love thrifting and went with tucker all the time, that where a lot of their clothes and belongings come from.

* Maddie taught reader how to fight, and often surprised attack them and Jazz. she alway wanted them to be prepared. she also did it to sam and tucker..

*Vlad often brought stuff for the family, he alway try to avoid giving things to jack but love spoiling his godchildren’s. jazz alway hated accepting the gifts and so did you ( but you have to admit, his gifts was amazing )

that’s it for now, I have so many ideas I can’t wait to write :) feel free to ask me questions or reach out!

Tag-list: @jscrawls @depressed—therapist

[lovejunkie97]

Ich wünsche dir jemanden, der deine Sprache spricht, sodass du nicht Dein Leben damit verbringen musst, deine Seele zu übersetzen.

Unbekannt

[fieriframes]

[BUT IT DOESN'T HAVE TO BE ALL HEAVY CREAM IF YOU HAVE A NICE ROUX IN THERE. I'M GONNA USE MILK FOR THE REST OF THAT. SHALL TRY TO ESTABLISH A BASIS FOR ALL OF THEM IN THIS ESSAY THAT WE COOKED. YEAH, YOU DID. YEAH, YOU DID.]

[discover-underground-bands]

https://open.spotify.com/artist/0YSGSbkzL8WxJcxuuB4leq?si=ewWckFIVRKeawRqXn4kNxw

basis

spotify

[beatsforbrothels]

Navy Blue - Basis (Prod. Child Actor)

[ksodirty]

[lipoon-blog]

[lafamedischi]

Mama's Oh-So-Savory Lamb and Eggplant Casserole Recipe Tomatoes, sweet onion, spices, and fresh lemon juice are used to flavor this savory lamb and eggplant dish, which is baked in the oven until the casserole is bubbly and the vegetables are soft. Enjoy it with crusty bread, butter, and a nice glass of red wine, or serve it over rice. 1 eggplant cut into 1-inch cubes, 2 pinches dried oregano, 1/2 teaspoon ground cumin, 3 tomatoes coarsely chopped, 1 large sweet onion coarsely chopped, 1 can tomato sauce, 1 pinch salt and ground black pepper to taste, 1 pound ground lamb, salt, 2 large stalks celery sliced, 1/8 teaspoon dried mint, 1 tablespoon olive oil, 1 lemon juiced or to taste, 2 pinches ground dried rosemary, 2 pinches paprika, 1 cup chicken broth, 1.5 teaspoons garlic minced

[cosmorom]

anyway fictional characters > real people

[snappingthewalls]

[oifaaa]

Someone in that poll said not to watch naruto bc it's queerbait and I hate to tell you this but naruto wasn't trying to queerbait you it's actually the number 1 example of "text is so misogynistic it becomes gay"

[lovejunkie97]

Die Wahrheit ist, dass man sich selbst nicht lieben kann, wenn man nicht geliebt wurde und geliebt wird. Die Fähigkeit zu lieben kann nicht in Isolation aufgebaut werden.

Bruce D. Perry

[fieriframes]

[-Your ravioli for you, ma'am. -It's beautiful. Belief is the basis of intuitive behavior. The sauce that comes out of the top is absolutely fantastic.]

[easybima]

SBI Recurring Deposit Interest Rates 2025 – Latest SBI RD Rates & Returns

Saving money consistently over time is one of the most reliable ways to achieve financial stability and meet your future goals. The SBI Recurring Deposit Scheme is designed to help individuals save small amounts regularly and earn attractive interest on their savings. Offered by the State Bank of India, one of the most trusted banks in India, this scheme is ideal for those who prefer low-risk investments with guaranteed returns.

What is SBI Recurring Deposit Scheme?

The SBI Recurring Deposit (RD) Scheme is a term deposit product where you invest a fixed sum of money every month for a pre-determined period. The bank pays interest on your deposits, which is compounded quarterly and added to your balance. On maturity, you receive the total of all monthly deposits along with the accumulated interest.

This scheme is best suited for individuals who have a steady income and want to cultivate the habit of disciplined savings. Since the deposit amount and frequency are fixed, it promotes a structured financial approach and helps in building a fund over time without putting pressure on your finances.

Key Features of SBI RD Scheme

The SBI RD scheme comes with various features that make it a practical and safe investment option for all types of savers.

The minimum monthly deposit amount under the scheme is just one hundred rupees. This makes the scheme highly accessible, even for people from lower-income groups. The deposit amount should be in multiples of ten, and you can choose any value that suits your financial capacity.

You can choose a tenure ranging from twelve months to one hundred and twenty months, which is equivalent to one year to ten years. This flexibility allows you to align your savings plan with your financial goals, whether short-term or long-term.

The interest rates are attractive and competitive, generally at par with SBI fixed deposit rates. The interest is compounded every quarter and credited to your account on maturity. Interest rates are subject to change based on RBI policies and market conditions.

SBI provides a nomination facility for all recurring deposit accounts. This means you can appoint a nominee to receive the deposit amount in case of an unforeseen event.

Another notable feature is that you can take a loan or overdraft of up to ninety percent of the deposit amount. This helps during financial emergencies without breaking the deposit.

You can opt for premature withdrawal if needed, although this comes with a penalty in terms of reduced interest.

Interest Rates on SBI RD

The interest rates offered on SBI recurring deposits depend on the tenure selected. Typically, SBI RD interest rates range between six and a half percent and seven and a half percent per annum. The bank revises its rates periodically based on RBI guidelines and economic factors.

Senior citizens get a higher rate of interest, usually around fifty basis points more than the regular rate. This makes SBI RD a very attractive saving option for retirees who prefer safety and guaranteed returns.

The actual interest earned also depends on the compounding frequency. Since SBI compounds interest every quarter, your money grows faster compared to simple interest options.

Eligibility Criteria

Opening an SBI RD account is straightforward and inclusive. The following individuals or groups are eligible to apply for the SBI recurring deposit scheme:

Resident individuals including salaried employees, self-employed persons, and homemakers are eligible. Minors can open an RD account with the help of a guardian, and minors above ten years can even open and operate the account independently. Hindu Undivided Families (HUFs), trusts, firms, and some companies can also open recurring deposit accounts under specific conditions.

You are not required to have an existing savings or current account with SBI to open an RD. However, having one makes the monthly deposit process seamless through auto-debit facilities.

Required Documents

To open an RD account with SBI, you need to complete the bank’s Know Your Customer (KYC) process. Here are the documents typically required:

You must submit valid identity proof such as an Aadhaar card, PAN card, voter ID, or passport. For address verification, documents like a utility bill, rent agreement, or Aadhaar card can be used. A passport-sized photograph is required, along with the RD account opening form filled with accurate details. If you already have an SBI savings account, linking the RD to it will make the process even smoother.

How to Open SBI RD Account

SBI allows customers to open RD accounts both online and offline, offering complete flexibility and convenience.

To open an RD account online, log in to SBI NetBanking or use the YONO mobile app. Go to the deposit section and select the recurring deposit option. Enter the deposit amount, select the tenure, and confirm your account and nominee details. Once submitted, your RD account is created instantly.

To open the RD account offline, visit your nearest SBI branch and ask for the recurring deposit form. Fill out the form, attach necessary documents, and submit the first installment either in cash or by transferring funds from your existing account.

Benefits of SBI Recurring Deposit

There are several benefits of investing in an SBI RD scheme.

It helps inculcate a disciplined savings habit, which is vital for financial stability. Since you commit a fixed amount every month, you automatically start budgeting and managing your expenses better.

It offers guaranteed returns, which means there’s no risk of losing your money, unlike in stocks or mutual funds. This makes it an excellent option for risk-averse individuals.

The flexibility in tenure helps tailor the investment to match your savings goal. Whether you're saving for a vacation in two years or your child's education in ten years, SBI RD can be a useful tool.

It also provides loan and overdraft facilities against the deposit, which means you can use your funds in emergencies without closing the account.

With the option of online account opening and management, it becomes convenient for tech-savvy users and working professionals.

Drawbacks to Consider

While SBI RD is a solid savings option, there are a few limitations to keep in mind.

The returns, although guaranteed, are lower compared to equity-based instruments or mutual funds. So if you’re looking for high growth, RD might not be ideal.

Missing a monthly installment attracts a penalty. If this continues, it may even lead to the closure of the account or forfeiting some interest.

The funds are locked for the tenure selected. If you need to access your money early, premature withdrawal is possible but comes with interest penalties.

Interest earned is taxable as per your income slab, and if the total interest from all deposits exceeds the threshold, the bank deducts TDS.

Premature Withdrawal and Penalties

SBI allows premature withdrawal of RD accounts, but you will not receive the full interest promised at the time of opening the account. The interest paid will be recalculated at the rate applicable for the period the deposit was actually held, and a penalty may also be applied.

Additionally, if you miss monthly payments, SBI charges a penalty based on the amount and the duration of the delay. For example, the penalty could be a small percentage per hundred rupees of the installment missed.

To avoid penalties, it’s recommended to set up standing instructions or auto-debit from your savings account.

Taxation on SBI RD

The interest income earned from your SBI recurring deposit is considered part of your total income and is taxable under the Income Tax Act.

If the total interest earned across all your RDs in a financial year exceeds forty thousand rupees, SBI will deduct tax at source at ten percent. For senior citizens, this limit is fifty thousand rupees.

To avoid TDS deduction if your income is below the taxable limit, you can submit Form 15G or 15H at the start of the financial year.

It’s important to include the interest income in your income tax returns even if TDS has already been deducted.

Who Should Invest in SBI RD?

SBI recurring deposit is ideal for a wide range of investors.

It is perfect for salaried professionals who can afford to put aside a fixed amount every month. Homemakers and retirees looking for a disciplined and safe saving avenue also benefit from this scheme. Students and young adults can use RD to start small and build the habit of saving regularly.

It is also suitable for people who are saving for short-term or medium-term goals such as buying a gadget, going on a vacation, or paying insurance premiums.

How to Maximize Returns from SBI RD

Start investing early so that you benefit from the power of compounding over a longer period.

Select a tenure that aligns with your financial goals and try to avoid premature withdrawals. Always ensure your monthly installment is paid on time to avoid penalties.

Use the online platforms such as YONO and net banking to manage your account efficiently and keep track of your deposits and maturity date.

If you’re a senior citizen, ensure you avail of the additional interest rate benefit by submitting the required documents.

FAQs on SBI Recurring Deposit Scheme

What is the minimum amount required to open an SBI RD account? The minimum deposit required is one hundred rupees per month.

Can I open an SBI RD account online? Yes, you can open the account online using SBI NetBanking or the YONO mobile app.

What is the maximum tenure for an SBI RD? The maximum tenure is ten years or one hundred and twenty months.

Is the interest earned on SBI RD taxable? Yes, the interest earned is added to your income and taxed as per your slab.

Can I take a loan against my RD account? Yes, SBI allows you to take a loan or overdraft up to ninety percent of your RD amount.

What happens if I miss an installment? A penalty is charged for every missed installment. Repeated defaults may lead to account closure.

Is premature withdrawal allowed in SBI RD? Yes, it is allowed but with a penalty and reduced interest payout.

Do senior citizens get extra interest on SBI RD? Yes, senior citizens typically get fifty basis points more than the regular rate.

Is nomination facility available? Yes, you can nominate someone to receive the proceeds in case of your demise.

Do I need a savings account in SBI to open an RD? No, but having one helps in automating monthly payments through standing instructions.

Final Thoughts

The SBI Recurring Deposit Scheme is a reliable and easy way to save money over time. Whether you're planning for a future expense or just want to build an emergency fund, the scheme offers safety, discipline, and guaranteed returns. With flexible tenure options, affordable minimum investment, and convenient account management features, it remains one of the most preferred saving options for millions of Indians.