Recurring Deposit Calculator

Calculate your RD maturity amount with quarterly compounding. See how your monthly deposits grow over time.

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Monthly Deposit (₹)

₹5,000

₹500₹1L

Rate of Interest (% p.a.)

3%10%

Period (Months)

36 months

6 mo10 yrs

Total Deposit

₹1.80 L

Interest Earned

₹20,815

Maturity Value

₹2.01 L

Deposits (90%)Interest (10%)

Note: This is an approximate maturity amount with quarterly compounding. Actual value may differ slightly. Does not include TDS deductions.

• RD interest is compounded quarterly in most banks — giving slightly better returns than simple interest
• Missing an RD installment attracts a penalty of 1–2% — set up auto-debit to avoid this
• Interest earned on RD is taxable at your slab rate — TDS is deducted if interest exceeds ₹40,000/year
• Post Office RD offers 6.7% interest with government backing — one of the safest options
• Consider SIP in liquid mutual funds (6–7% returns) as an alternative with better liquidity

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