About this tool
Project a recurring deposit from the entered monthly instalment, rate and duration. The worksheet helps you compare contributions made at different times rather than treating the entire total as invested on the first day.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Monthly RD Installment (₹); Annual RD Interest Rate (% p.a.); RD Tenure (Months).
- Review Total Principal Deposited; Total Interest Earned; Maturity Amount in the result breakdown.
Benefits
- Separate the instalment total from estimated interest.
- Compare monthly saving commitments consistently.
Who should use this tool?
- People planning a regular savings deposit.
- Depositors reviewing an RD quotation.
How to use
- Complete the labelled fields for your scenario, including Monthly RD Installment (₹); Annual RD Interest Rate (% p.a.); RD Tenure (Months). Use the units shown beside each field.
- Try the example labelled “₹5,000/mo RD @ 7.0% for 60 Months (5 Years)” if you want to check the workflow first.
- Select Calculate / Run Tool and review RD Maturity Value and Total Principal Deposited; Total Interest Earned.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹5,000/mo RD @ 7.0% for 60 Months (5 Years) | Monthly RD Installment (₹): 5000Annual RD Interest Rate (% p.a.): 7RD Tenure (Months): 60 | ₹3,59,664 (Interest: ₹59,664) |
| ₹10,000/mo RD @ 6.8% for 36 Months (3 Years) | Monthly RD Installment (₹): 10000Annual RD Interest Rate (% p.a.): 6.8RD Tenure (Months): 36 | ₹4,00,118 (Interest: ₹40,118) |
Reference and processing
Indian Banks Association (IBA) Standard RD Quarterly Compounding Formula · Listed applicability: 2025-2026
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Why not calculate interest on all instalments for the full term?
Later instalments are invested for less time than earlier ones. A recurring-deposit calculation needs to reflect that timing rather than treating all contributions as one starting deposit.
Which inputs do I need for Recurring Deposit (RD) Maturity Calculator (Quarterly Compounding)?
Use Monthly RD Installment (₹); Annual RD Interest Rate (% p.a.); RD Tenure (Months). The built-in examples show how those fields fit together.
What should I check before using this result?
Computes quarterly compounding on each monthly installment for the exact months it remains deposited. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.