I opened a recurring deposit with a bank a few months ago but the issue I faced was that I was not punctual in depositing the specified amount every month before deadline. Then I came to know that I can authorize the bank to debit the money directly from my bank account. Now once my salary is credited to my saving account a particular amount will be automatically moved to my RD account. I think that is really helpful for a person like me. It also acts as a check on my unnecessary spending habits and at the same time my money is growing as RD. Have you ever activated auto-transfer towards saving money?