Investment
RD Calculator
Calculate Recurring Deposit maturity amount and interest
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₹
%
Mo
Results
Total Deposited—
Interest Earned—
Maturity Amount—
Deposited
Interest
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹5,000/month at 7% for 2 years | Maturity: ₹1,29,258 |
| ₹10,000/month at 7.5% for 3 years | Maturity: ₹3,98,609 |
How It Works
Formula, methodology and key concepts explained
A Recurring Deposit (RD) is perfect for disciplined monthly savers who want guaranteed returns. Unlike SIP, there's no market risk — the maturity amount is fixed when you open the RD.
Pro Tips for Investment
Expert guidance to get the most out of your calculation
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Frequently Asked Questions
Common questions about RD Calculator
- RD is a bank deposit with guaranteed returns — safe but lower returns (6–8%). SIP invests in mutual funds with market-linked returns — higher potential (10–15%) but with risk. RD suits risk-averse savers; SIP suits long-term wealth builders.
- RD interest is compounded quarterly: each monthly deposit is compounded for its remaining tenure. The formula is: M = R × [(1+i)^n – 1] / (1 – (1+i)^(-1/3)), where i = quarterly rate, n = number of quarters.
Key Numbers to Know
Benchmark figures for Investment planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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