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RD Calculator

Calculate maturity value of a Recurring Deposit.

₹
%
Yrs

Scenario Analysis (Assumed Returns)

Conservative

4.7%

12,529

Base

6.7%

18,292

Higher

8.7%

26,519

Labels are estimates based on your base rate (6.7%).

Estimated Maturity Value

₹25,25,818

Total Principal

₹5,000

Estimated Returns

₹13,25,818

Portfolio Mix

Invested
Returns

Growth Curve

You invest ₹5,000 every month for 20 years. At an estimated 6.7% annual return, your total investment is ₹12,00,000 and the estimated total value is approximately ₹25,25,818. Around ₹13,25,818 represents estimated growth.

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How it works

Regular monthly savings with quarterly compounding interest.

The formula

Standard RD compounding formula
M
Monthly Deposit

Worked example

Saving ₹5,000 every month for 5 years.

Pro tips

  • Ideal for building short-term goal-based funds.
  • TDS is applicable on RD interest.

Common mistakes

  • Missing monthly payments can lead to penalties.

Go deeper

Related lessons

Saving Money That Actually Grows

Concepts to explore

RD vs SIP

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.