RD Calculator
రికరింగ్ డిపాజిట్ కాలిక్యులేటర్
What a monthly recurring deposit grows to at the post office RD rate or your bank’s, with the TDS.
పోస్టాఫీసు లేదా బ్యాంకు రికరింగ్ డిపాజిట్ (ఆర్‌డీ)లో నెలనెలా కడితే మెచ్యూరిటీకి ఎంత వస్తుంది, వడ్డీ, టీడీఎస్.
Your result
Maturity value మెచ్యూరిటీ మొత్తం
3.57 lakh rupees
- Total depositsమొత్తం డిపాజిట్లు
- ₹3,00,000
- Interestవడ్డీ
- ₹56,829
- TDS, if this is a bank RD and your only deposit thereటీడీఎస్
- None
- The interest stays under ₹50,000 a year
RD interest is taxed at your slab every year as it is earned. Banks deduct TDS of 10% once a year's interest at the bank, all your deposits together, is over ₹50,000 (₹1 lakh at 60 or more), or 20% without your PAN. It counts towards your tax: claim it in your return. If your tax for the year is nil, give the bank Form 121 (it replaced Forms 15G and 15H) and it deducts none.
Year by year ఏడాదివారీగా
- Deposits
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Deposits | Interest | Balance |
|---|---|---|---|
| 1 | ₹60,000 | ₹2,210 | ₹62,210 |
| 2 | ₹1,20,000 | ₹8,694 | ₹1,28,694 |
| 3 | ₹1,80,000 | ₹19,746 | ₹1,99,746 |
| 4 | ₹2,40,000 | ₹35,679 | ₹2,75,679 |
| 5 | ₹3,00,000 | ₹56,829 | ₹3,56,829 |
Last updated : the post office RD rate of 6.7% (October–December 2026) and TDS of 10% on interest over ₹50,000 a year (₹1,00,000 at 60 or more). Check the current rate at the post office or your bank.
How RD maturity is calculated
Each monthly instalment earns interest, compounded every quarter, for the months it stays in the account: the first instalment for the whole tenure, the last for one month. Banks and the post office publish the sum as:
M = R × ((1 + i) n − 1) ÷ (1 − (1 + i)−1/3)
R is the monthly deposit, i the quarterly rate (yearly rate ÷ 400) and n the number of quarters.
Example: ₹5,000 a month for 5 years at 6.7% is ₹3,00,000 deposited, and the RD matures at ₹3,56,829: ₹56,829 interest.
Post office RD interest rate, October–December 2026
6.7% a year, compounded every quarter, on a 5-year (60-month) RD. The government sets it every quarter for new accounts, and the rate you open at stays for the 5 years. The calculator opens at this rate; banks set their own rates and tenures, so enter yours for a bank RD.
Post office RD maturity for ₹500 to ₹10,000 a month
At 6.7%, ₹1,000 a month for 5 years is ₹60,000 deposited and matures at ₹71,366.
| A month | You deposit in 5 years | Maturity | Interest |
|---|---|---|---|
| ₹500 | ₹30,000 | ₹35,683 | ₹5,683 |
| ₹1,000 | ₹60,000 | ₹71,366 | ₹11,366 |
| ₹2,000 | ₹1,20,000 | ₹1,42,732 | ₹22,732 |
| ₹5,000 | ₹3,00,000 | ₹3,56,829 | ₹56,829 |
| ₹10,000 | ₹6,00,000 | ₹7,13,658 | ₹1,13,658 |
TDS on RD interest
RD interest is income, taxed at your slab every year as it is earned. A bank deducts 10% TDS once a year's interest there, your FDs and RDs together, is over ₹50,000 (₹1 lakh if you are 60 or more: choose "Yes" under "Senior citizen"). It counts towards your tax: claim it in your return. If your tax for the year is nil, give the bank Form 121 (it replaced Forms 15G and 15H).
Good to know
- A missed instalment usually costs a small penalty; several missed ones can close the account.
- Choose "Months" for a bank RD of, say, 18 or 30 months.
- Have the whole sum now? The FD calculator shows what it earns as a fixed deposit.
Questions
Do senior citizens get a higher post office RD rate?
No: the post office's RD rate is the same for everyone. Banks set their own rates for senior citizens: enter the one you are offered.
How much should I save a month for a target?
Choose "Deposit needed" and enter the amount you want at maturity: the calculator works out the monthly instalment at the rate and tenure you choose.
RD or SIP?
An RD pays a fixed rate and your money is safe. A SIP in an equity mutual fund is market-linked: it may earn more over the years, or less, and its value can fall. Compare the two with the SIP calculator.
రికరింగ్ డిపాజిట్ అంటే ఏమిటి?
ప్రతి నెలా ఒకే మొత్తం కడుతూ పొదుపు చేసే డిపాజిట్ రికరింగ్ డిపాజిట్ (ఆర్‌డీ). పోస్టాఫీసు ఆర్‌డీ 5 ఏళ్లు ఉంటుంది; ఇప్పుడు వడ్డీ రేటు 6.7% (October–December 2026), మూడు నెలలకోసారి చక్రవడ్డీ. నెలకు ₹1,000 చొప్పున 5 ఏళ్లు కడితే మీరు కట్టిన ₹60,000కు మెచ్యూరిటీకి ₹71,366 వస్తుంది.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
