RD Calculator
What does my recurring deposit mature to?
Maturity value
₹4.04L
Four lakh three thousand six hundred ninety six
Interest earned
₹43.7K
Forty three thousand six hundred ninety six
You deposit
₹3.60L
Three lakh sixty thousand
Tenure
36 months
3.0 years
Deposit details
₹
Ten thousand
₹500₹5.00L
Seven
1%20%
Thirty six
6 mo120 mo
RD interest is credited once a quarter, not every month. A deposit that ends part-way through a quarter earns nothing for those final months — which is why tenures in multiples of three months are slightly more efficient.
Growth
What this calculation assumes
- •Interest is credited quarterly on the running balance — the convention Indian banks apply.
- •Instalments are paid on time every month. Missed instalments usually attract a penalty.
- •The rate is fixed for the full tenure.
- •TDS and income tax on interest are not deducted.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Recurring deposit maturity using the quarterly interest-crediting convention Indian banks actually apply.