FYERS

Recurring Deposit Calculator

Estimate your maturity amount, interest earned, and total returns from your recurring deposit investment.

After 3 years of investment

Investment Value₹ 18,00,000
Estimated Return₹ 1,75,711
Total Value₹ 19,75,711
Maturity₹ 19,75,711

Build a Savings Habit. Build Your Market Plan Too.

Estimate your RD maturity value, then open a FYERS account to plan and track eligible investments beyond deposits.

Estimate the Outcome of Regular Monthly Deposits

The FYERS Recurring Deposit Calculator estimates the maturity value and interest earned when a fixed amount is deposited every month for a chosen tenure. Enter the monthly deposit, annual interest rate and duration to understand the total contributions and estimated maturity amount. Each instalment remains invested for a different length of time, so an RD calculation differs from a single fixed deposit. Actual proceeds depend on the institution’s interest method, instalment date, compounding convention, delayed-payment rules, taxes and premature-closure terms.

Worked Example and Calculation Assumptions

Illustration only: deposit ₹1,000 at the start of each month for 12 months at an assumed 6% annual rate. With quarterly compounding extended to fractional quarters, estimated maturity is ₹12,395, including about ₹395 interest on ₹12,000 contributed. Each instalment compounds for its remaining term. Bank day-count rules may differ; taxes and missed-payment charges are excluded.

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Frequently Asked Questions

An RD calculator estimates the maturity amount and interest earned from fixed monthly deposits made over a selected tenure at an entered interest rate.

Interest is calculated on each instalment for the time it remains deposited, using the institution’s compounding and day-count rules. Earlier instalments generally earn interest for longer.

An RD is a bank deposit with an agreed interest rate and deposit terms. A mutual fund SIP invests periodically in a market-linked scheme, so returns are not fixed or guaranteed.

An interest projection does not establish your tax liability or net maturity proceeds. Check applicable TDS and income-tax treatment separately, together with the issuer’s payment schedule and any deductions.

A missed instalment changes the contribution schedule and can affect maturity proceeds. The institution may also apply delayed-payment charges or other conditions. Check its rules and compare the estimate with the payments you will actually make.

Many institutions allow premature closure subject to conditions, a revised interest rate and possible penalty. The calculated maturity value may no longer apply.

Eligible recurring deposits with an insured bank fall within DICGC coverage, subject to the overall ₹5 lakh limit per depositor per bank in the same right and capacity, including principal and interest.

No. Calculating maturity does not create a deposit or submit a bank application. Complete the booking separately through the relevant institution’s authorised channel and confirm its deposit terms.

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Calculator results are indicative estimates based on the inputs and assumptions selected by the user. Actual returns, charges, margin requirements, interest, taxes, eligibility and repayment amounts may vary. Verify the final terms with the relevant product provider or in the FYERS order flow, as applicable. Investments in securities markets and mutual funds are subject to market risks; read all related documents carefully before investing.