RD Calculator for ₹2K/month — 5 Years Returns
Your monthly deposit of ₹2K/month at 6.5% for 5 Years grows to ₹1.42 L.
Maturity Value
₹1.42 L
Total Invested
₹1.20 L
Est. Returns
₹21,984
Wealth Gain
18.3%
Breakdown
Invested: ₹1.20 L (85%)
Returns: ₹21,984 (15%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (8.5%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹1.20 L | ₹1.20 L | ₹2.40 L |
| Maturity Value | ₹1.42 L | ₹1.50 L ↑ ₹7,720 | ₹3.38 L ↑ ₹1.96 L |
| Est. Returns | ₹21,984 | ₹29,704 | ₹97,982 |
💡 Understanding RD Returns on ₹2K/month
A ₹2K/month Recurring Deposit at 6.5% builds a corpus of ₹1.42 L over 5 Years. Your total deposits of ₹1.20 L earn ₹21,984 in interest. RDs are perfect for building a savings discipline — the fixed monthly commitment mirrors an EMI but builds wealth instead of repaying debt.
RD rates are typically 0.25-0.50% lower than FD rates at the same bank. For ₹2K/month, consider whether a RD or a SIP in a debt mutual fund might give better after-tax returns. Debt mutual funds offer indexation benefits on long-term gains, which can be significant for those in the 20-30% tax bracket.