Last updated: October 2026

🐷 RD Calculator

Saving a fixed amount every month? Our RD calculator projects your recurring deposit's maturity value using a monthly-compounding approximation — Indian banks compound RD interest quarterly, so the bank's final maturity figure is usually a little higher than this estimate.

RD Calculator

Har mahine ki recurring deposit se estimated maturity.

Monthly deposit

₹500₹2 lakh

Annual interest rate

0%15%

Deposit duration

1 year20 years

Estimated maturity value₹3,57,965

Total deposits₹3,00,000

Estimated interest₹57,965

Estimate uses monthly compounding; bank method may differ.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

RD kaise nikale?

Har month jama hone wali amount, annual interest rate aur total years enter karein. Calculator total deposits, estimated interest aur recurring deposit maturity value alag-alag dikhata hai.

How to Use

Enter your monthly deposit (e.g. ₹10,000).
Set the annual interest rate (e.g. 7%).
Choose the tenure in years or months.
See your maturity value, invested amount and interest.

Formula

M = R × ((1+i)ⁿ − 1) / (1 − (1+i)^−1/3)

Where R = monthly instalment, i = quarterly rate (annual ÷ 4 ÷ 100), n = number of quarters. Banks compound RD quarterly using this formula; this calculator uses a monthly-compounding approximation of it, so its estimate runs slightly lower than the bank's final figure.

💡 Example

Example: ₹10,000/month RD at 7% for 5 years → invested ₹6 lakh grows to ≈ ₹7.15 lakh.

RD ke niyam: kist, avadhi aur beech me band karne ki sachchai

Recurring Deposit ka mool niyam simple hai — har mahine ek taay tareekh tak taay rakam jama karni hoti hai. Bank RD aam taur par 6 mahine se shuru hokar 10 saal tak ki avadhi ke liye milti hai; post office ki RD 5 saal ki hoti hai. Jama ki nyuntam rakam bank ke hisab se badalti hai — kahin ₹100 mahine se bhi shuruat ho jati hai. Kist ki rakam beech me badli nahi ja sakti; zyada bachat karni ho to dusri RD kholni padti hai.

Kist chuk jaye to jurmana lagta hai — aam taur par har ₹1,000 par kuch rupaye mahine ke hisab se — aur lagatar kai kistein ruk jayein to bank khata band bhi kar sakta hai. Byaaj ki ganana timahi chakravriddhi (quarterly compounding) se hoti hai; is page ka calculator usi paddhati ka mahine ke hisab se anumaanit roop dikhata hai, isliye bank ke antim number se chhota sa antar aa sakta hai. RD beech me band karne par byaaj us chhoti avadhi ki dar se lagta hai aur kuch bank 1% tak ki katauti bhi karte hain — matlab jo dar kagaz par dikhi, wo poori tabhi milti hai jab avadhi puri ho.

Tax bhooliye mat: RD ka byaaj aapki aay me judta hai aur aapke slab se tax lagta hai. Ek vitt varsh me bank byaaj nishit seema se zyada ho to TDS bhi kat-ta hai. Isiliye "7% wali RD" ka asal labh tax ke baad har vyakti ke liye alag hota hai.

🧮 Ek aur hisab: ₹7,500 mahine, 7.1% aur 7 saal

Maan lijiye aap har mahine ₹7,500 jama karte hain, kul 84 kistein. Aapke kul jama = ₹7,500 × 84 = ₹6,30,000. Is calculator ke hisab se 7.1% ki dar par maturity lagbhag ₹8,13,013 ayegi — matlab takreeban ₹1,83,013 byaaj. Khaas baat ye hai ki pehli kist ko pure 7 saal ka byaaj milta hai, jabki aakhri kist ko keval kuch mahino ka — RD ki badhotari isi kram se banti hai. Avadhi 7 ki jagah 5 saal karte hi byaaj ka hissa saaf taur par ghata dikhega; kist wahi, samay kam.

FAQs — RD Calculator

RD (Recurring Deposit) lets you deposit a fixed amount monthly for a chosen tenure, earning bank interest compounded quarterly. Ideal for disciplined savers.

Yes, RD interest is fully taxable per your slab. TDS applies above the threshold like FDs.

RDs are safe with guaranteed returns (~6.5–7.5%). SIPs can deliver higher long-term returns but carry market risk.

Yes with a penalty — usually a lower interest rate applies. Partial withdrawals generally aren't allowed.

Kist der se jama karne par bank jurmana jodta hai aur byaaj ka hisab usi hisab se banta hai. Ek-adh baar ki deri se khata band nahi hota, lekin lagatar kistein rukna khate ko band karwa sakta hai. Salary wale din ke aas-paas ki tareekh chunna aur auto-debit lagana sabse aasan bachav hai.

Post office RD 5 saal ki hoti hai aur uski dar sarkar har timahi taay karti hai; ek saal ke baad jama rakam ke 50% tak ka rin bhi mil sakta hai. Bank RD me avadhi aur dar chunne ki zyada azaadi milti hai, aur varishth nagriko ko aksar thodi zyada dar bhi. Dono ka byaaj taxable hai.

Post office RD ko paripakvta ke baad aur 5 saal ke liye badhaya ja sakta hai. Bank RD me aam taur par nayi RD kholna hi vikalp hota hai — paripakv rakam ko utha kar nayi avadhi aur nayi dar par dobara rakhna padta hai. Badhane se pehle us samay ki daren zaroor tulna karein.

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