Calculator
Recurring Deposit Calculator
Monthly deposits, quarterly compounding — see your RD maturity at any bank rate.
dhanmetrics.com · Educational illustration only · Not investment advice
Maturity at year 5
₹3,56,863
That’s 1.19× your total deposits
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