Overview: Free RD Calculator for India 2026. Calculate maturity amount and interest earned on your Recurring Deposits instantly. Runs 100% free on PDFTeq (PDF Teq).

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RD Calculator India

Instantly calculate RD maturity amount, total interest and compare monthly deposit plans with a premium PDFTEQ savings tool. 100% Private (Calculates in your browser. No data is sent to our servers.)

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Total Deposited₹0
Total Interest₹0
Maturity Amount₹0
Post Tax Return₹0
Effective Yield0%
Monthly Avg Return₹0
Maturity Date-
Gain₹0
Month Deposit Total Principal Interest Tax Closing

What is Recurring Deposit (RD)?

Recurring Deposit is a disciplined savings product where you deposit a fixed amount every month and earn interest until maturity.

How RD Interest is Calculated

Each monthly installment earns interest for a different duration. Banks commonly compound quarterly. This calculator estimates maturity using standard compounding logic.

RD vs FD Difference

  • RD = Monthly savings habit
  • FD = Lump sum one-time deposit
  • RD suits salaried monthly investors

RD vs SIP Comparison

RD offers predictable fixed returns, while SIP may offer higher long-term market-linked growth with risk.

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Frequently Asked Questions

What is RD maturity amount?
It is total deposit plus interest earned till maturity.
Which bank gives highest RD rate?
Rates vary by bank and tenure. Compare current offers.
Is RD safe in India?
Bank RDs are generally considered low-risk deposit products.
Is RD taxable?
Interest may be taxable as per applicable rules.
Can I close RD early?
Yes, usually with penalty depending on bank policy.
Is RD better than FD?
Depends on whether you invest monthly or lump sum.
Is RD better than SIP?
RD gives stability, SIP offers market-linked growth potential.
Can I miss monthly installment?
Some banks allow it with penalties or reduced benefits.
How often is RD interest compounded?
Often quarterly, but it depends on bank rules.
Is this calculator free?
Yes, completely free on PDFTEQ.
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