Recurring Deposit Calculator India 2025
Calculate your RD maturity, interest, and returns instantly for any bank or tenure.
Minimum amount varies by bank (typically ₹100 - ₹500)
Minimum period: 1 month (30 days). RDs are designed for regular monthly savings.
Current RD rates: 6.0% - 8.5%
Your Tax Slab Rate
Used to calculate actual tax on RD interest
Select 0% if income below ₹3L
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 |
Compare RD Rates Across Banks
Calculate Recurring Deposit returns with different banks and find the best rates
Verified RD Rates
All RD rates are sourced directly from official bank websites for maximum accuracy
Recurring Deposit Calculator FAQs
Everything you need to know about lumpsum investments
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