RD Mein Kitna Milega? — Recurring Deposit Calculator aur Best Rates 2026
S1 — Chhoti Salary, Badi Savings — RD Ka Tarika
Sunita, Lucknow mein ek government school mein clerk hai. Salary ₹22,000/month. ₹5 lakh ki FD karne ki aukaat nahi — lekin ₹2,000 har mahine save kar sakti hai. Usne RD khola — ₹2,000/month, 7%, 5 saal. 5 saal baad: ₹1,43,295. Total dala ₹1,20,000 — ₹23,295 interest aaya, zero risk. Sunita ne apna first emergency fund banaya RD se. RD mein kitna milega 2026 — yeh sawaal un sabka hai jo chhoti-chhoti savings se kuch bana chahte hain.
₹5,000/month RD 7% par 5 saal mein ₹3,58,238 milega — invested ₹3 lakh, interest ₹58,238. Apna exact amount CalcDesk RD calculator par instantly calculate karein — free, koi registration nahi.
S2 — RD Kya Hai?
RD matlab Recurring Deposit — ek bank ya post office product jahan aap har mahine ek fixed amount deposit karte hain, aur tenure ke end mein interest ke saath poora amount milta hai. FD ka monthly installment version hai yeh.
RBI ke Banking Regulation Act ke under banks yeh product dete hain. Post Office RD National Savings scheme hai — government-backed.
Common misconception: log sochte hain RD par FD se zyada interest milta hai. Nahi — actually zyaadatar banks RD par thoda kam rate dete hain FD se (0.25% tak). Real difference: FD mein lump sum chahiye, RD mein monthly chhota amount — accessibility ka fark hai, return ka nahi.
S3 — RD Formula aur Calculation
Banks quarterly compounding use karte hain RD mein.
Example: ₹5,000/month, 7% annual, 5 saal (60 months):
Monthly rate r = 7% ÷ 4 ÷ 3 = 0.5833% (quarterly basis, monthly)
Maturity ≈ ₹3,58,238
Total Invested: ₹5,000 × 60 = ₹3,00,000
Interest Earned: ₹58,238
At 7.5%: ₹3,61,793 (₹3,555 zyada sirf 0.5% rate se)
Post Office RD rate FY 2026-27: 6.7%
SBI/HDFC RD: 6.5–7.25% depending on tenure
S4 — Real Examples
Example 1 — Ravi, Jaipur, ₹10,000/Month, 3 Saal
Ravi ek naya car ke liye down payment bachana chahta hai:
- ₹10,000/month, 7%, 36 months (3 saal)
- Maturity: ≈ ₹3,97,985
- Total invested: ₹3,60,000
- Interest: ₹37,985 — guaranteed, risk-free
- 3 saal baad car ki down payment ready
Ravi ne salary account se auto-debit set kiya — monthly bhoolne ka chance nahi. Goal-based RD ka best use case yahi hai.
Example 2 — Priya, Mumbai, ₹5,000/Month, Rate Compare
Priya ne teen options compare kiye — same ₹5,000/month, 5 saal:
- SBI RD 6.5%: Maturity ≈ ₹3,53,943 | Interest ₹53,943
- HDFC RD 7.0%: Maturity ≈ ₹3,58,238 | Interest ₹58,238
- Ujjivan Small Finance Bank RD 8.0%: Maturity ≈ ₹3,67,022 | Interest ₹67,022
- Ujjivan vs SBI: ₹13,079 zyada — sirf 1.5% rate ka fark
DICGC ₹5 lakh tak insured — Ujjivan bhi safe hai ₹3.67 lakh ke liye. Rate shop karna paisa hai.
Example 3 — Kavita, Post Office RD vs Bank RD
Kavita rural area mein hai — post office accessible hai:
- Post Office RD 6.7%, ₹3,000/month, 5 saal
- Maturity: ≈ ₹2,12,888
- 100% government-backed — koi bank risk nahi
- SBI RD same rate 6.7% vs Post Office: almost same
- Post Office mein: minimum ₹100/month, loan facility year 1 ke baad
Rural areas mein post office RD best option hai — branch access aur government guarantee dono.
S5 — Tables
Table 1: RD Maturity — Different Monthly Amounts at 7% (5 Saal)
| Monthly Amount | 1 Saal | 3 Saal | 5 Saal |
|---|---|---|---|
| ₹1,000 | ₹12,388 | ₹39,798 | ₹71,647 |
| ₹3,000 | ₹37,163 | ₹1,19,395 | ₹2,14,941 |
| ₹5,000 | ₹61,938 | ₹1,98,993 | ₹3,58,238 |
| ₹10,000 | ₹1,23,875 | ₹3,97,985 | ₹7,16,476 |
Table 2: RD vs SIP vs FD — ₹5,000/Month, 5 Saal
| Instrument | Maturity | Return Type | Risk | Tax |
|---|---|---|---|---|
| RD (7%) | ₹3,58,238 | Guaranteed | None | Taxable (slab) |
| FD lump sum (7%, ₹3L) | ₹4,22,857 | Guaranteed | None | Taxable (slab) |
| SIP Equity (12%)* | ₹4,12,432 | Market-linked | Market risk | LTCG 12.5% |
| Post Office RD (6.7%) | ₹3,55,043 | Guaranteed | None (Govt) | Taxable (slab) |
*SIP returns not guaranteed — historical estimate. FD comparison assumes ₹3L lump sum at start vs RD monthly.
S6 — Common Galtiyan
S7 — Tips
RD Calculator — Free aur Instant
CalcDesk ke RD calculator mein monthly amount, rate aur tenure daalein — maturity amount instantly milega. Bank options compare karein. Koi registration nahi, free.
RD Calculator Open Karein →S9 — Related Articles
Aksar Pooche Jane Wale Sawaal
RD aur FD mein kya fark hai?
FD mein ek baar ek badi raqam deposit karte hain — lump sum. RD mein har mahine fixed amount — monthly installment. FD ke liye badi raqam ek saath chahiye; RD chhoti savings se bhi chalti hai. Interest rate: roughly same same bank mein same tenure ke liye. Tax treatment dono ka same — fully taxable. RD salary-earners ke liye perfect hai — auto-debit set karo; FD ke liye ek baar ki badi raqam nahi chahiye. Agar lump sum available ho to FD thoda better hai compounding efficiency mein.
RD se kitna milega — formula kya hai?
RD maturity formula complex hai — banks quarterly compounding use karte hain. Simplified example: ₹5,000/month, 7%, 5 saal (60 months) → maturity ≈ ₹3,58,238. Total invested ₹3 lakh, interest ₹58,238. Exact calculation ke liye CalcDesk RD calculator use karein — monthly amount, rate aur tenure daalein, instantly result. Different scenarios try karein — ₹2K vs ₹5K vs ₹10K monthly, alag rates.
RD ka interest taxable hai kya?
Haan — RD interest fully taxable hai income slab rate par. FD jaisi hi treatment. TDS: ek bank mein FD + RD interest milaakar ₹40,000/year (seniors ₹50,000) se zyada ho to 10% TDS. Form 15G (non-senior, income below taxable limit) ya 15H (senior) submit karo TDS se bachne ke liye. High tax bracket (30%) mein 7% RD ka after-tax return sirf 4.9% — PPF 7.1% EEE effectively better option hai.
Post Office RD vs Bank RD — kaun sa better hai?
Post Office RD: 6.7% FY 2026-27, 100% government-backed, minimum ₹100/month, 5 saal fixed, loan facility after 1 year. Bank RD: 6.5-8.5% depending on bank, DICGC ₹5L insured, flexible tenure 6 months to 10 years, better rates small finance banks mein. Choice: pure safety + rural access = Post Office. Better rate + flexibility = small finance bank. Balanced option = regular bank. ₹5L se neeche amount hai to DICGC coverage kaafi hai bank ke liye bhi.
RD mein monthly deposit miss hone par kya hoga?
RD installment miss hone par penalty lagti hai — typically ₹1-2 per ₹100 per month of delay. ₹5,000 miss ki — penalty ₹50-100. Zyada miss hone par account default. 3 consecutive months miss hone par premature closure treat ho sakta hai. Best practice: salary account se auto-debit set karo salary date + 1 din par. Emergency mein miss hua to bank se contact karo — ek-do mahine understanding hote hain. Long-term RD ke liye auto-debit mandatory hai.
RD vs SIP — dono mein se kaun sa chunein?
RD chunein: short-term goal (1-3 saal), guaranteed return, koi risk nahi, emergency fund. SIP chunein: long-term (5+ saal), market risk sahne ki capacity, inflation-beating returns. Numbers: ₹5,000/month, 5 saal. RD 7%: ₹3,58,238 guaranteed. SIP 12%*: ₹4,12,432 potential. 10 saal mein fark bahut bada — SIP clearly better long-term. Short term = RD, long term = SIP. *SIP equity returns market-linked, not guaranteed.
CalcDesk RD calculator kaise use karein?
calcdesk.in/investment/rd-calculator/ kholen. Monthly deposit amount, annual interest rate aur tenure in months daalein. Calculator instantly dikhata hai: total deposited, total interest, maturity amount. Different scenarios compare karein — ₹1K vs ₹5K monthly. Bank options compare karne ke liye alag rates enter karein. FD calculator simultaneously use karein comparison ke liye. SIP calculator bhi dekhein long-term planning ke liye. Koi registration nahi, free.
Yeh article sirf educational purpose ke liye hai. RD rates banks time-to-time change karte hain — invest karne se pehle current rates confirm karein. Poora disclaimer padhein →