RD कैलकुलेटर
Recurring deposit (RD) calculator
Deposit a fixed amount every month and see what it becomes at maturity.
Runs in your browser · nothing uploaded
Maturity amount
₹3.55 L
- You deposit
- ₹3,00,000
- Interest earned
- ₹54,954
- Maturity value
- ₹3,54,954
Formula: maturity = Σ D × (1 + r ÷ 4)^(4k ÷ 12), for each deposit k months before maturity
- Interest compounds quarterly, as most Indian banks do, and each deposit goes in at the start of its month.
- Banks round and count days slightly differently, so your receipt can differ by a few rupees. TDS is not deducted here.
An estimate for planning, not financial advice. Real returns, rates and charges depend on your bank, fund or lender, and can change.
| Year | Deposited | Value at year end |
|---|---|---|
| 1 | ₹60,000 | ₹62,143 |
| 2 | ₹1,20,000 | ₹1,28,425 |
| 3 | ₹1,80,000 | ₹1,99,122 |
| 4 | ₹2,40,000 | ₹2,74,527 |
| 5 | ₹3,00,000 | ₹3,54,954 |
How to use it
- 01Enter the monthly deposit.
- 02Enter your bank's rate and the tenure in years.
- 03Read the maturity amount, the interest earned and the yearly table.
₹1,000/month · 12% · 1 year
Maturity ≈ ₹12,801 (interest ≈ ₹801)
About this tool
A recurring deposit takes a fixed amount every month. Banks compound RD interest quarterly, so a deposit made k months before maturity grows by (1 + r ÷ 4)^(4k ÷ 12). The maturity value is the sum over all deposits, each assumed to go in at the start of its month.
Enter your bank's or post office's current rate: none is built in because rates differ and change. Banks round and count days a bit differently, so the receipt can differ by a few rupees, and TDS and tax on the interest are not modelled. Early closure and missed instalments carry penalties that are also not included.
It runs in your browser and nothing is stored. For a one-time deposit use the FD calculator, and for market-linked monthly investing use the SIP calculator.
हिंदी में मदद
हर महीने की जमा रकम, बैंक की ब्याज दर और अवधि डालें और जानें कि RD पूरी होने पर कितनी रकम मिलेगी। बैंक आम तौर पर तिमाही चक्रवृद्धि ब्याज देते हैं। असली रकम बैंक के हिसाब से कुछ रुपये अलग हो सकती है।
Questions
How is RD maturity calculated?
Each monthly deposit compounds quarterly for the months it stays, and the values are added. ₹1,000 a month for 12 months at 12% gives about ₹12,801.
Is RD interest compounded quarterly?
In most Indian banks, yes. Post office RDs follow their own scheme rules, so check the current terms.
What if I miss an instalment?
Banks usually charge a small penalty and may reduce the maturity. This calculator assumes every deposit is made on time.
FD or RD?
An FD suits a lump sum you already have; an RD suits regular saving from monthly income.