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Calculatrice RD

Calculez le montant à échéance et les intérêts gagnés sur un Dépôt Récurrent. Capitalisation trimestrielle.

Banks: 5–7%, Post Office: 6.7%

What is an RD calculator?

An RD calculator estimates the maturity amount of a Recurring Deposit given the monthly deposit, interest rate, and tenure. It accounts for quarterly compounding (the standard convention used by Indian banks and post offices).

How RDs differ from SIP

RD locks in a fixed interest rate for the full tenure — no market risk, but no upside. SIP into mutual funds delivers higher long-term returns (10–14% for equity vs ~6.5% for RD) but with volatility. For short horizons (1–5 years) RD is safer; for 7+ year horizons SIP usually wins comfortably.

Choosing an RD provider

Compare effective annualized rate (CAGR) not just headline rate — quarterly compounding adds about 0.1–0.2% to the effective rate vs the nominal. Small Finance Banks offer the highest rates but are insured by DICGC up to ₹5 lakh per depositor — split larger amounts across institutions for full insurance coverage.

Questions fréquemment posées

What is a Recurring Deposit (RD)?
A Recurring Deposit lets you save a fixed amount every month for a chosen tenure (typically 6 months to 10 years) and earn fixed interest. Banks compound RD interest quarterly. Post Office RDs have a fixed 5-year tenure.
How is RD interest calculated?
Standard formula: M = R × ((1+i)ⁿ - 1) / (1 - (1+i)^(-1/3)) where R is monthly deposit, i is the quarterly rate (annual ÷ 4), and n is the number of quarters. The calculator computes this month-by-month for accuracy.
What rate do banks offer on RD?
Major banks (SBI, HDFC, ICICI, Axis): 5.5–7% depending on tenure. Small Finance Banks (Equitas, AU SFB, Ujjivan): 7–8%. Post Office RD: 6.7% (5-year fixed). Senior citizens get +0.25–0.50% additional in most cases.
RD vs FD — which is better?
FD if you have a lumpsum and want it locked in. RD if you can only save monthly from salary. RD interest rates are usually identical to FD rates of the same tenure. RD enforces saving discipline; FD captures full compounding from day one.
Is RD interest taxable?
Yes. RD interest is added to your income and taxed at your slab rate. Banks deduct TDS at 10% if total interest paid in a year exceeds ₹40,000 (₹50,000 for senior citizens). You must self-declare RD interest in your ITR.

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