Recurring Deposit Calculator India 2025
Calculate your RD maturity, interest, and returns instantly for any bank or tenure.
Minimum amount varies by bank (typically ₹500)
Current RD rates range from 6.5% to 8.0%
Typical RD terms: 6 months to 10 years
TDS deducted if interest exceeds ₹40,000
Disciplined Savings
Encourages regular monthly investments
Safe Investment
Capital protection with guaranteed returns
Flexible Amount
Start with as low as ₹500 per month
Monthly Discipline
Encourages regular saving habits with monthly investments
Capital Safety
Principal amount is completely safe with guaranteed returns
Low Entry Barrier
Start with as low as ₹500 per month investment
When to Choose Recurring Deposit
Choose RD When:
Building Savings Habit
When you want to develop disciplined monthly saving habits
Regular Income
Perfect for salaried individuals with steady monthly income
Medium-term Goals
For goals like vacation, gadgets, or small purchases in 1-5 years
Small Investment Amounts
When you can't invest large lump sums but can save monthly
Consider Alternatives When:
Seeking Higher Returns
Consider SIP in mutual funds for potentially higher long-term returns
Have Lump Sum
If you have bulk amount, FD might give better returns than RD
Long-term Wealth Building
For retirement planning, equity SIPs may offer better inflation-adjusted returns
Irregular Income
If income is irregular, flexible SIPs or lump sum investments work better
RD vs SIP: Quick Comparison
| Aspect | Recurring Deposit (RD) | SIP in Mutual Funds |
|---|---|---|
| Investment Type | Monthly fixed deposit | Monthly investment in mutual funds |
| Returns | 6% - 8% (fixed, guaranteed) | 10% - 15% (market-linked, not guaranteed) |
| Risk | Very low, principal protected | Market risk, principal not protected |
| Liquidity | Low, premature withdrawal penalty | High, can redeem anytime |
| Best For | Conservative savers, short/medium-term goals | Long-term wealth creation, inflation-beating returns |
Quick Decision Guide
| Scenario | Choose RD if you... | Choose SIP if you... |
|---|---|---|
| Risk Appetite | Want capital safety & guaranteed returns | Can take market risk for higher returns |
| Goal Duration | Short/medium-term goals (1-5 years) | Long-term goals (5+ years) |
| Investment Experience | New to investing, want simplicity | Comfortable with market ups & downs |
| Flexibility | Prefer fixed monthly commitment | Want to change amount/frequency anytime |
Recurring Deposit Calculator FAQs
Everything you need to know about personal loans
Need More Help?
Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.
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