RD Calculator
Calculate recurring deposit maturity for any monthly amount, rate and tenure — bank method with quarterly compounding, plus a growth table.
Updated 6 October 2026What you need to know
Enter your monthly instalment, the bank’s RD rate and the tenure in months. Banks and India Post compound RD interest quarterly; each instalment earns interest from the month it is paid until maturity.
RD Calculator
RD maturity ready reckoner
| Instalment | 1 yr @ 6.5% | 3 yrs @ 6.5% | 5 yrs @ 6.5% | 5 yrs @ 7% | 10 yrs @ 7% |
|---|---|---|---|---|---|
| ₹1,000 / month | ₹12,429 | ₹39,824 | ₹70,991 | ₹71,933 | ₹1,73,702 |
| ₹2,000 / month | ₹24,857 | ₹79,649 | ₹1,41,982 | ₹1,43,866 | ₹3,47,403 |
| ₹5,000 / month | ₹62,143 | ₹1,99,122 | ₹3,54,954 | ₹3,59,664 | ₹8,68,509 |
| ₹10,000 / month | ₹1,24,286 | ₹3,98,244 | ₹7,09,908 | ₹7,19,328 | ₹17,37,017 |
| ₹25,000 / month | ₹3,10,716 | ₹9,95,609 | ₹17,74,770 | ₹17,98,320 | ₹43,42,543 |
How the calculation works
Maturity = Σ R × (1 + r/400)^(k/3) for k = 1 … n, where R is the instalment, r the annual rate and k the number of months each instalment stays invested. Example: ₹5,000 × 60 months at 6.7% = ₹3,56,830 (matches India Post’s table).
Frequently asked questions
Why is my bank’s figure slightly different?
Banks may use exact days or monthly compounding for some products; differences are usually a few rupees.
Does the calculator include tax?
No — RD interest is taxable at your slab rate and TDS applies above ₹50,000 (₹1 lakh for seniors) a year per bank.
For information and comparison only. Confirm rates and rules with your bank or post office.