25,000 RD Maturity Amount & Returns
Quarterly compounding interest, 1 to 5-year maturity values, and total profit on a monthly deposit of ₹25,000.
₹25,000
₹25,000/mo
₹3.11 L
Interest: +₹11,218
₹10.00 L
Interest: +₹1.00 L
₹17.89 L
Interest: +₹2.89 L
25,000 RD Maturity Value by Tenure
| Tenure Horizon | Total Invested | Interest Earned (6.8%) | Total Maturity Value |
|---|---|---|---|
| 1 Year (12 Months) | ₹3.00 L | +₹11,218 | ₹3.11 L |
| 3 Years (36 Months) | ₹9.00 L | +₹1.00 L | ₹10.00 L |
| 5 Years (60 Months) | ₹15.00 L | +₹2.89 L | ₹17.89 L |
Customize Your 25,000 Recurring Deposit
Recurring Deposit (RD) Calculator 2026
Calculate post office and bank monthly Recurring Deposit (RD) quarterly compounded maturity returns
Your money becomes
1.2×
of what you put in over 5 years.
Invested vs Interest
₹3.00 L
₹57,771
Interest is 16.1% of final value
Year-by-year breakdown
| Year | Contributed | Total contributed | Interest earned | Value |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹60,000 | ₹2,244 | ₹62,244 |
| 2 | ₹60,000 | ₹1.20 L | ₹6,585 | ₹1.29 L |
| 3 | ₹60,000 | ₹1.80 L | ₹11,230 | ₹2.00 L |
| 4 | ₹60,000 | ₹2.40 L | ₹16,199 | ₹2.76 L |
| 5 | ₹60,000 | ₹3.00 L | ₹21,514 | ₹3.58 L |
Growth over time
The gap between the two lines is the interest earned — and it widens every year.
The formula, with your numbers
Each instalment compounds only for the time left after you pay it, so the first one earns far more than the last. The calculator steps through every instalment separately rather than applying one rate to the total, which is why the interest is lower than a single lump sum of the same size would earn.
About Recurring Deposit (RD) Calculator
A recurring deposit lets you save a fixed amount every month with a bank or the post office for a set tenure, at an interest rate fixed when you open the account. Interest is compounded quarterly, and your deposits and the interest are paid back together at maturity.
This calculator works out the maturity value of monthly instalments compounded quarterly. Each instalment earns interest only for the months it is actually held, so the first instalment earns far more than the last — the method behind the maturity tables banks and India Post publish. All figures are before tax: the calculator does not deduct TDS or income tax.
How it Works
The calculator takes three inputs:
- Monthly RD deposit: the fixed instalment paid at the start of every month.
- Annual interest rate: your bank's RD rate, or the current post office RD rate.
- Duration: the tenure in whole years. The calculator assumes 12 instalments a year with none missed.
RD Formula
M = R × [(1 + i)^n − 1] / [1 − (1 + i)^(−1/3)]
Where:
M = maturity value
R = monthly instalment
i = quarterly interest rate = annual rate ÷ 4 (7% gives 0.0175)
n = number of quarters = 4 × tenure in years
This equals every instalment compounded quarterly for the months it is held, added up: R × (1 + i)^(m/3), with m running from 1 to 12 × tenure.
Interest earned = M − (12 × tenure × R)
Benefits of Recurring Deposits
- Save from small monthly amounts: build a lump sum without needing one upfront.
- Fixed rate for the whole tenure: the rate set when you open the RD does not change until maturity.
- Safety: bank RDs are covered by DICGC up to ₹5 lakh per depositor per bank, principal and interest together, pooled with your FDs and savings in that bank. A post office RD is a Government of India small savings scheme.
- Borrow without breaking it: banks lend against the RD balance, and a post office RD allows a loan of up to 50% of the balance after 12 instalments, while the RD keeps running.
- Predictable for short goals: the date and amount are known in advance, which suits goals under five years.
- Tax to plan for: interest is taxed at your slab rate as income from other sources, in the year it accrues. A bank deducts 10% TDS under Section 194A once your deposit interest from that bank crosses ₹50,000 in a financial year (₹1,00,000 for senior citizens), or 20% if it does not have your PAN. An RD gets no Section 80C deduction under either regime.
Power of Compounding FAQs
What interest rate do recurring deposits pay?
What is a Recurring Deposit (RD)?
Is RD interest taxable in India?
Can I withdraw money from an RD before maturity?
What happens if I miss a monthly RD instalment?
Can I take a loan against my recurring deposit?
Should I use an RD or an SIP for a three-year goal?
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