RD Calculator for ₹10K/month — 5 Years Returns
Your monthly deposit of ₹10K/month at 6.5% for 5 Years grows to ₹7.10 L.
Maturity Value
₹7.10 L
Total Invested
₹6.00 L
Est. Returns
₹1.10 L
Wealth Gain
18.3%
Breakdown
Invested: ₹6.00 L (85%)
Returns: ₹1.10 L (15%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (8.5%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹6.00 L | ₹6.00 L | ₹12.00 L |
| Maturity Value | ₹7.10 L | ₹7.49 L ↑ ₹38,597 | ₹16.90 L ↑ ₹9.80 L |
| Est. Returns | ₹1.10 L | ₹1.49 L | ₹4.90 L |
💡 Understanding RD Returns on ₹10K/month
A ₹10K/month Recurring Deposit at 6.5% builds a corpus of ₹7.10 L over 5 Years. Your total deposits of ₹6.00 L earn ₹1.10 L in interest. RDs are perfect for building a savings discipline — the fixed monthly commitment mirrors an EMI but builds wealth instead of repaying debt.
RD rates are typically 0.25-0.50% lower than FD rates at the same bank. For ₹10K/month, consider whether a RD or a SIP in a debt mutual fund might give better after-tax returns. Debt mutual funds offer indexation benefits on long-term gains, which can be significant for those in the 20-30% tax bracket.