Dhan Metrics

Calculator

Recurring Deposit Calculator

Monthly deposits, quarterly compounding — see your RD maturity at any bank rate.

Dhan Metrics12 June 2026

dhanmetrics.com · Educational illustration only · Not investment advice

Maturity at year 5

₹3,56,863

That’s 1.19× your total deposits

DepositsInterest
₹3,00,000
₹5.0K/mo × 60 months
+ ₹56,863
16% of maturity

What this means

₹5.0K/month for 5 years lands you at ₹3.6L at 6.5%. RDs build the saving habit — the bank acts as enforcer — but the rate is usually 1–2 points below an equity SIP's long-run return. For long horizons, RDs trade convenience for opportunity cost.

What if you…

Doubled monthly to ₹10.0K

₹7.1L

+₹3.6L

Stayed 10 years instead of 5

₹8.5L

+₹4.9L

Got a 7.5% rate (1% higher)

₹3.7L

+₹9.8K

Educational illustration. Interest is taxable as per your slab and TDS rules apply. Most banks compound RD quarterly — this calculator follows that convention.

Adjust your scenario

Type, drag, or tap a chip — the result on the right updates instantly.

Inputs

Monthly deposits with quarterly compounding — standard Indian RD.

Most banks allow ₹100 minimum, multiples of ₹100 thereafter.

RD rates are typically slightly below FD rates of the same tenure. Check your bank’s current rate.

Standard RD tenures: 6 months to 10 years. Banks compound interest quarterly on the running balance.

Growth chart

How your RD compounds, year by year

InvestedInterest