RBI Quarterly Compounding Model · Zero Market Risk · 100% Zero Bias

Recurring Deposit (RD) Calculator

Monthly bank savings par recurring deposit maturity value aur quarterly compounding interest calculate karein.

RBI Regulation Standard: RBI rules ke mutabik interest quarterly compound hota hai: har monthly installment apne remaining months ke liye interest earn karti hai.

Monthly Deposit Amount

₹

₹5,000

₹500₹1 L

Presets:

Interest Rate (% p.a.)

3 %12 %

Presets:

Tenure (Years)

1 Yr10 Yr

Presets:

Senior Citizen Privilege (+0.50%)Applicable for depositors aged 60 years and above

7.00% p.a.

Total Amount Payable

₹2,00,686

Due after 3 Years (36 monthly installments)

Total Deposits₹1,80,000

Total Interest₹20,686

Net Corpus ValueTotal Savings + Compounded Interest

₹2,00,686

Maturity Value₹2,00,686

Total Deposits

₹1,80,000(90%)

Total Interest

₹20,686(10%)

Recurring Deposit Milestone Progression

Compare total cumulative installments and interest accumulated across various milestone horizons.

Milestone	Total Deposits	Interest Earned	Maturity Amount	Interest Growth %

RBI Compounding Math

Har installment remaining months ke liye quarterly compound hoti hai. Aapki 1st installment poore tenure ka interest earn karti hai, jabki final deposit par 1 month ka interest milta hai.

Disciplined Monthly Habit

RD market risk ke bina fixed guaranteed returns deti hai, jo insurance premium, school fees ya festive expenses jaise planned short-term goals ke liye disciplined saving ka best option hai.

Missed Installment Penalty

Installment miss hone par banks delayed penalty charge karte hain (around ₹1.5 to ₹2 per ₹100). Lagataar payments skip karne par bank RD account pre-close kar sakta hai.

Frequently Asked Questions

India me Recurring Deposit (RD) interest kaise calculate hota hai?

Indian banks quarterly basis par RD interest calculate karte hain. Har monthly installment ek independent deposit ki tarah mature hone tak bache hue months ke liye interest earn karti hai.

Agar RD monthly installment miss ho jaye toh kya hota hai?

Banks delayed payment par nominal penalty charge karte hain (usually ₹1.50 to ₹2 per ₹100 installment). Agar lagataar kai installments miss ho jayein toh bank account pre-close bhi kar sakta hai.

Kya Recurring Deposit interest par tax lagta hai?

Haan. RD interest FD interest ki tarah hi slab rate ke mutabik taxable hota hai aur agar total bank deposit interest ₹40,000 (seniors ke liye ₹50,000) se zyada ho toh 10% TDS deduct hota hai.