RD Calculator
Estimate your recurring deposit maturity amount. Perfect for building a savings habit with monthly contributions.
months (5.0 years)
Maturity Value
₹3.55 L
Total Invested
₹3.00 L
Est. Returns
₹54,961
Wealth Gain
18.3%
Breakdown
Invested: ₹3.00 L (85%)
Returns: ₹54,961 (15%)
📊 Interactive Growth Analysis
Invested vs Returns
Invested: ₹3.00 L
Returns: ₹54,961
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (8.5%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹3.00 L | ₹3.00 L | ₹6.00 L |
| Maturity Value | ₹3.55 L | ₹3.74 L ↑ ₹19,299 | ₹8.45 L ↑ ₹4.90 L |
| Est. Returns | ₹54,961 | ₹74,260 | ₹2.45 L |
💡 Understanding Recurring Deposits
Recurring Deposits combine the discipline of monthly saving with the safety of fixed returns. You commit to depositing a fixed amount every month, and the bank compounds interest quarterly.
RD rates are typically 0.25-0.50% lower than FD rates at the same bank. The effective yield is lower than FD because your deposits are spread over time (earlier deposits earn more interest than later ones).
₹5,000/month RD at 6.5% for 5 years matures to approximately ₹3,55,000 — your total deposit of ₹3,00,000 earns about ₹55,000 in interest.