Recurring Deposit (RD) Calculator
Calculate your guaranteed maturity value. Uses precise quarterly compounding logic standard across all major banks.
Returns
Recurring Deposit (RD) Calculator: Secure Your Savings (2026)
🏦 2026 Savings Tip: While Equity SIPs offer higher returns, they come with market risks. If you are saving for a short-term goal (like a wedding, paying school fees, or buying a car in the next 1-3 years), a Recurring Deposit (RD) is your safest bet. In 2026, many Indian banks and Post Offices compound RD interest quarterly, ensuring your guaranteed returns grow faster over time.
A Recurring Deposit (RD) is one of the most trusted saving schemes in India, offered by all major public, private banks, and the India Post. It allows you to deposit a fixed amount every month for a pre-determined tenure and earn interest at rates similar to Fixed Deposits (FDs). Our India RD Calculator helps you accurately estimate your total maturity amount and the exact interest you will earn, taking into account the complex quarterly compounding formula used by Indian financial institutions.
How to Calculate Your Guaranteed RD Maturity
Plan your risk-free savings easily with these steps:
- Enter Monthly Deposit: This is the fixed amount you commit to saving every month. You can start a Post Office RD with as little as ₹100 per month!
- Select the Tenure: RDs are highly flexible. You can open a bank RD for as short as 6 months or as long as 10 years. Post Office RDs typically have a fixed 5-year lock-in period.
- Input the Interest Rate: In 2026, standard bank RD rates usually range between 6.5% to 7.5%, depending on the tenure. Bonus: Senior citizens generally get an extra 0.50% interest.
- View Your Maturity Amount: The calculator will instantly split your results into ‘Total Investment Amount’ and ‘Total Interest Earned’, giving you a clear picture of your guaranteed payout.