RD Calculator - Recurring Deposit Maturity
Estimate maturity from regular monthly deposits under an illustrative rate-visual breakdown, downloadable results, and context for how RDs fit next to mutual fund SIPs.
- Total deposited
- Est. gain
Maturity value
₹3,53,531
Total deposited
₹3,00,000
Est. gain
₹53,530.56
Maturity value
₹3,53,531
Compare with a mutual fund SIP.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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RD calculator - recurring deposit maturity
Recurring deposits help you commit smaller monthly amounts toward a fixed horizon. This tool uses an illustrative return to show deposits vs estimated gain-always confirm rates and compounding with your bank or post office. For market-linked discipline, compare with a mutual fund SIP.
Frequently asked questions
Is RD interest taxable?
Generally interest is taxable as per your income tax rules-confirm with your CA.
How does bank RD compounding work?
Compounding frequency depends on the scheme. This calculator is illustrative; use the bank’s quote for exact maturity.
What happens if I miss an RD instalment?
Banks typically charge a small late fee per missed month, and repeated defaults can lead to the account being closed prematurely. An auto-debit from your savings account is the simplest fix.
Can I close an RD before maturity?
Usually yes, with a penalty-the bank pays a lower rate for the period actually completed. Because of this, choose a monthly amount you can sustain for the full tenure.
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