RD Calculator
Recurring deposit maturity with quarterly compounding.
A recurring deposit compounds each monthly instalment quarterly for the time it remains on deposit. Saving ₹10,000 a month for 5 years at 7% deposits ₹6,00,000 and matures at about ₹7,20,000. Interest is fully taxable at your slab rate.
Your Inputs
Maturity amount
Deposited
₹6 L
Interest
₹1.19 L
Total deposited
₹6,00,000
Interest earned
₹1,19,328
Tenure Impact Analysis
See how the final corpus changes if you stay invested longer.
₹1.25 L
+-₹5.95 L total
-82.7% Growth
₹4.01 L
+-₹3.18 L total
-44.2% Growth
₹7.19 L
Baseline
Selected tenure
₹17.37 L
+₹10.18 L total
141.5% Growth
How this works
Missing an instalment has a cost
Most banks charge a penalty of ₹1-2 per ₹100 per month on delayed instalments, and can close the RD after six consecutive defaults, paying only savings-account interest. Automate the debit on your salary date.
RD vs SIP in a debt fund
RD interest is taxed annually at your slab. A debt fund is taxed only on redemption, also at slab rate, but the deferral lets the full amount compound in the meantime. RD wins on certainty; the fund usually wins on post-tax outcome over 5 years or more.