RD Calculator
Calculate recurring deposit maturity for any monthly amount, rate and tenure — bank method with quarterly compounding, plus a growth table.
Updated 27 September 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.