RD Calculator for ₹500/month — 5 Years Returns
Your monthly deposit of ₹500/month at 6.5% for 5 Years grows to ₹35,496.
Maturity Value
₹35,496
Total Invested
₹30,000
Est. Returns
₹5,496
Wealth Gain
18.3%
Breakdown
Invested: ₹30,000 (85%)
Returns: ₹5,496 (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 | ₹30,000 | ₹30,000 | ₹60,000 |
| Maturity Value | ₹35,496 | ₹37,426 ↑ ₹1,930 | ₹84,496 ↑ ₹49,000 |
| Est. Returns | ₹5,496 | ₹7,426 | ₹24,496 |
💡 Understanding RD Returns on ₹500/month
A ₹500/month Recurring Deposit at 6.5% builds a corpus of ₹35,496 over 5 Years. Your total deposits of ₹30,000 earn ₹5,496 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 ₹500/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.