RD Calculator
Calculate recurring deposit returns and compare options
5010,00,000
0.61,200
5 years 0 months
0.3120
Set to 0 if no premature withdrawal planned
💡 RD Benefits
- • Disciplined monthly savings habit
- • Capital protection with guaranteed returns
- • Higher rates than regular savings account
- • Loan facility available against RD
- • Ideal for conservative investors
RD Calculation Results
Maturity Amount:₹0
Total Deposits:₹0
Interest Earned:₹0
Effective Rate:0% p.a.
Tax Implications
Taxable Interest:₹0
Tax Bracket:30%
Tax Payable:₹0
Post-tax Interest:₹0
TDS applicable if total interest >₹10,000 for banks, ₹20,000 for senior citizens
Institution Comparison
Interest Compounding Impact
RD Strategy & Tips
Best Practices
- • Compare rates across banks before opening
- • Choose quarterly compounding for better returns
- • Consider senior citizen rates (additional 0.5%)
- • Avoid premature withdrawals for penalty-free growth
- • Use auto-debit for disciplined deposits
When to Choose RD
- • Building emergency fund systematically
- • Short-term goals (1-5 years)
- • Risk-averse conservative investors
- • Regular income with surplus for savings
- • Beginner investors learning discipline