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generator remove duplicate lines sort lines text diff find replace text to slug string repeater morse code translator rot13 encoder character frequency text truncator whitespace cleaner health all health age calculator bmi calculator bmr calculator ideal body weight calories burned calculator steps to calories calorie intake calculator daily water intake calculator sleep calculator macro calculator body fat calculator height converter period calculator pregnancy due date calculator internet all internet subnet calculator ping traceroute dns lookup mx lookup ns lookup spf lookup generator dkim checker dmarc lookup generator bimi lookup generator email blacklist checker whois lookup port scanner http headers checker ssl checker reverse dns lookup website speed test developer all developer json formatter json unescape cleaner json diff base64 encoder decoder url encoder decoder html entities password generator uuid generator timestamp converter number base converter jwt decoder regex tester color converter hash generator bcrypt generator random string generator cron explainer rest api checker seo all seo serp preview meta tag generator open graph generator keyword density robots txt generator xml sitemap generator utm builder schema generator hreflang generator canonical tag generator link extractor image alt checker redirect mapper heading extractor seo checklist blog all blog calculators converters text tools health internet developer seo home calculators rd calculator recurring deposit maturity calculator recurring deposit rd calculator calculate the maturity amount and total interest earned on your monthly recurring deposit with a full month by month breakdown type the fixed amount you plan to deposit each month enter the annual interest rate offered by your bank set the total deposit duration in months click calculate to see the maturity value total interest and a month by month breakdown currency us dollar usd monthly deposit 100 500k annual interest rate 1 20 tenure months 1 mo 120 mo calculate results adjust the inputs and click calculate maturity amount 0 total deposited 0 total interest earned 0 effective annual rate 0 total return 0 breakdown deposited interest month by month breakdown month deposit total deposited interest earned balance frequently asked questions what is a recurring deposit rd a recurring deposit rd is a savings scheme offered by banks where you deposit a fixed amount every month for a predetermined tenure the bank pays compound interest typically quarterly on the accumulated deposits at maturity you receive the total deposited amount plus all interest earned rds are ideal for building disciplined monthly savings habits how is rd interest calculated rd maturity is calculated as m r 1 i 1 i n 1 i where r monthly deposit i monthly interest rate annual 12 n number of months each monthly deposit earns compound interest for the remaining months of the tenure what is the difference between rd and fd an fd requires a one time lump sum investment an rd requires a fixed monthly deposit throughout the tenure rds are better for people with regular income who want to save monthly fds are better for those with a lump sum to invest both offer guaranteed fixed returns is rd interest taxable yes rd interest is taxable as income from other sources tds is applicable if total interest from all rds with a bank exceeds 40 000 per year 50 000 for senior citizens submit form 15g 15h if your total income is below the taxable limit to avoid tds deduction can i withdraw an rd prematurely yes most banks allow premature closure of rd accounts but a penalty of 1 2 is typically charged on the applicable interest rate the maturity amount will be lower than calculated some banks also allow partial withdrawal or loans against rds what happens if i miss an rd instalment banks typically charge a penalty for missing a monthly rd instalment usually 1 2 per 100 per month if you miss multiple instalments the bank may foreclose the rd prematurely to avoid penalties ensure your bank account has sufficient funds on the scheduled rd deduction date is rd better than sip rd offers guaranteed returns and is risk free making it ideal for conservative investors or short term goals sip in mutual funds has historically delivered higher returns over the long term but carries market risk for capital protection and fixed returns choose rd for long term wealth creation sip generally outperforms what is the minimum amount for an rd most banks in india allow rds with a minimum monthly deposit of 100 post office rds have a minimum of 100 month with no upper limit online banks and fintech platforms may have their own minimums the tenure typically ranges from 6 months to 10 years rd vs sip which is better for monthly investing an rd offers guaranteed fixed returns with zero market risk ideal for capital protection and short term goals 1 5 years a sip in equity mutual funds has historically delivered higher returns 10 15 annually over long periods but comes with market risk for money needed within 3 years choose rd for wealth creation over 5 years sip generally outperforms significantly what is the penalty for missing an rd instalment banks charge 1 2 per 100 per month for missed rd instalments in india if multiple instalments are missed consecutively usually 3 4 months the bank may foreclose the rd at a lower rate the post office rd allows a grace period of one month set up an auto debit mandate from your salary account to avoid penalties about this rd calculator this free recurring deposit calculator helps you estimate the maturity amount and total interest earned on your monthly bank rd enter the monthly deposit amount annual interest rate and tenure in months to instantly see your maturity value total interest and a month by month breakdown recurring deposits are one of the safest savings instruments for salaried individuals by depositing a small fixed amount every month you accumulate wealth with guaranteed bank backed returns without the risk of market volatility when to use this calculator planning monthly savings with guaranteed returns comparing rd rates across different banks and post offices estimating returns for post office rd schemes building an emergency fund or saving for a short term goal standards references wikipedia recurring deposit related calculators fd calculator sip calculator compound interest rd goal calculator join listel queryselectorall tool dropdown item foreach function item item addeventlistener click function selectcurrency this dataset value this dataset flag this dataset label renderlist currencies function selectcurrency symbol flag label selectedcurrency symbol document getelementbyid rdcurrencydropdownlabel textcontent label document getelementbyid rdcurrencyflag style backgroundimage url https flagcdn com flag svg document getelementbyid rdcurrencysymbol textcontent symbol document queryselectorall rdcurrencyresult foreach function el el textcontent symbol document getelementbyid rdmonthlymin textcontent symbol 100 document getelementbyid rdmonthlymax textcontent symbol 500k closedropdown calculate var dropbtn document getelementbyid rdcurrencydropdownbtn dropmenu document getelementbyid rdcurrencydropdownmenu searchel document getelementbyid rdcurrencysearch function opendropdown dropmenu classlist add open searchel value renderlist currencies searchel focus function closedropdown dropmenu classlist remove open dropbtn addeventlistener click function e e stoppropagation dropmenu classlist contains open closedropdown opendropdown document addeventlistener click function e if document getelementbyid rdcurrencydropdownwrap contains e target closedropdown searchel addeventlistener input function var q this value tolowercase renderlist q currencies filter function c return c name c code c symbol tolowercase includes q currencies searchel addeventlistener keydown function e e stoppropagation function syncpair iid sid var inp document getelementbyid iid sld document getelementbyid sid inp addeventlistener input function sld value inp value calculate sld addeventlistener input function inp value sld value calculate syncpair rdmonthly rdmonthlyslider syncpair rdrate rdrateslider syncpair rdmonths rdmonthsslider document getelementbyid rdcalculatebtn addeventlistener click calculate function fmt n return n tolocalestring en us minimumfractiondigits 2 maximumfractiondigits 2 function calculate var r parsefloat document getelementbyid rdmonthly value 0 var r parsefloat document getelementbyid rdrate value 0 100 var n parseint document getelementbyid rdmonths value 0 if r m cur fmt r cur fmt deposited cur fmt math max 0 cumi cur fmt balance document getelementbyid rdtablebody innerhtml rows join document getelementbyid rdresultsplaceholder style display none document getelementbyid rdresultscontent style display block document getelementbyid rdtablewrap style display block document queryselectorall tool faq q foreach function btn btn addeventlistener click function btn closest tool faq item classlist toggle open calculate related articles in depth guides and technical articles view all calculators jul 5 2026 should you open a long or short rd right now rate lock in rbi policy and the laddering strategy rd interest rates are fixed at opening and don t change with rbi rate moves which means the tenure decision is really a rate direction bet in a rising rate environment shorter tenures preserve flexibility to re invest at higher rates in a falling environment longer tenures lock in peak rates here s how rbi monetary policy transmits to bank deposit rates the rd laddering strategy for both flexibility and rate optimisation and premature withdrawal penalty mechanics calculators jun 22 2026 a 7 rd earns 4 9 after tax at the 30 slab how to actually compare rd returns to ppf and ssy rd interest is taxable as income at your slab rate so a 7 rd for a 30 slab taxpayer delivers roughly 4 9 post tax here s how tds on rd works form 15g 15h 40 000 threshold the post tax rd comparison against ppf and ssy both eee exempt at similar nominal rates why rd still makes sense for short to medium goals and senior citizens and how to evaluate bank rate spreads given dicgc insurance limits calculators jun 19 2026 rd vs paying down high interest debt the math says one thing and sometimes the other reasons are legitimate too an rd earning 6 while carrying credit card debt at 20 guarantees a 14 percentage point loss on every dollar split between the two and yet many people do exactly this here s the basic math and the legitimate non math reasons people still maintain savings alongside high interest debt emergency funds behavioral motivation from visible savings growth early closure penalties on existing rds and why the comparison gets genuinely closer for low interest debt like mortgages calculators jun 11 2026 how banks calculate rd interest the quarterly compounding formula you can verify yourself banks use quarterly compounding for most rd products here s the exact formula to verify your maturity amount independently includes monthly vs quarterly compounding comparison effective annual rate conversion and how premature withdrawal penalties are calculated calculators jun 10 2026 recurring deposits vs sips vs savings accounts risk returns and which suits your goal rds guarantee returns sips offer higher potential returns with market risk regular savings accounts provide full liquidity here s a comparison of all three by risk return tax treatment and suitable horizon including why rupee cost averaging makes sips particularly effective in volatile markets sadiqbd 100 free online tools for finance health development and seo no sign up required tools calculators converters text tools health internet developer seo company about blog glossary privacy policy terms 2026 sadiqbd platform all rights reserved rate us on trustpilot install sadiqbd add to your home screen for quick access install 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