Savings & deposits
RD Calculator
రికరింగ్ డిపాజిట్ కాలిక్యులేటర్
What a monthly recurring deposit grows to at your bank or post office rate.
Your result ఫలితం
Maturity value మెచ్యూరిటీ మొత్తం
3.57 lakh rupees
- Total depositsమొత్తం డిపాజిట్లు
- ₹3,00,000
- Interestవడ్డీ
- ₹56,829
Year by year ఏడాదివారీగా
- Deposits
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Deposits | Interest | Balance |
|---|---|---|---|
| 1 | ₹60,000 | ₹2,210 | ₹62,210 |
| 2 | ₹1,20,000 | ₹8,694 | ₹1,28,694 |
| 3 | ₹1,80,000 | ₹19,746 | ₹1,99,746 |
| 4 | ₹2,40,000 | ₹35,679 | ₹2,75,679 |
| 5 | ₹3,00,000 | ₹56,829 | ₹3,56,829 |
How RD maturity is calculated
Each monthly instalment earns interest, compounded every quarter, for the months it stays in the account: the first instalment for the whole tenure, the last for one month. Banks publish the sum as:
M = R × ((1 + i) n − 1) ÷ (1 − (1 + i)−1/3)
R is the monthly deposit, i the quarterly rate (yearly rate ÷ 400) and n the number of quarters.
Example: ₹5,000 a month for 5 years at 6.7% is ₹3,00,000 deposited, and the RD matures at ₹3,56,829: ₹56,829 interest.
Good to know
- A missed instalment usually costs a small penalty; several missed ones can close the account.
- RD interest is taxable income, like FD interest.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
