₹20,000 Monthly RD for 36 Months

See the maturity value and total interest earned on a ₹20,000/month recurring deposit over 36 months at 6.5% p.a.

A ₹20,000/month recurring deposit for 3 years at 6.5% p.a. (quarterly compounding) matures to ₹7,96,487, earning ₹76,487 in interest on ₹7,20,000 in total deposits. Compare that to a fixed deposit: if you deposited ₹7,20,000 upfront at the same 6.5% rate for 3 years, you'd get roughly ₹8,73,653, ₹77,166 less with the RD because the FD deploys the full principal from day one.

This calculation's inputs

Monthly installment: ₹20,000
Interest rate: 6.5% p.a.
Tenure: 36 months

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Your projected returns

Maturity value

6.5% p.a.

₹7.96 Lakhs

₹7,96,487

after 3 years

Invested amount

₹7.2 Lakhs

₹7,20,000

Total interest earned

₹76,487

+11% gain

Inflation-adjusted value

₹6.69 Lakhs

₹6,68,746

in today's ₹, at 6% inflation

10%is returns

Invested₹7.2L

Returns₹76.5K

Balance growth over time

Compare RD scenarios

Year-by-year growth

Related calculators

This calculator uses the standard RD formula with quarterly compounding (each monthly installment earns interest compounded quarterly for its remaining tenure). RD interest is taxable at your income slab rate; banks deduct TDS if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).

1	₹2,40,000	₹8,573	₹2,48,573
2	₹4,80,000	₹33,701	₹5,13,701
3	₹7,20,000	₹76,487	₹7,96,487

₹20,000 Monthly RD for 36 Months

₹20,000 Monthly RD for 36 Months

What the numbers mean

After inflation, what is ₹7,96,487 actually worth?

How does this RD compare to an FD for the same total amount?

What if I extend this RD by 12 more months?

How much tax will I pay on ₹76,487 in RD interest?