RD Calculator for ₹5K/month — 5 Years Returns
Your monthly deposit of ₹5K/month at 6.5% for 5 Years grows to ₹3.55 L.
Maturity Value
₹3.55 L
Total Invested
₹3.00 L
Est. Returns
₹54,961
Wealth Gain
18.3%
Breakdown
Invested: ₹3.00 L (85%)
Returns: ₹54,961 (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 | ₹3.00 L | ₹3.00 L | ₹6.00 L |
| Maturity Value | ₹3.55 L | ₹3.74 L ↑ ₹19,299 | ₹8.45 L ↑ ₹4.90 L |
| Est. Returns | ₹54,961 | ₹74,260 | ₹2.45 L |
💡 Understanding RD Returns on ₹5K/month
A ₹5K/month Recurring Deposit at 6.5% builds a corpus of ₹3.55 L over 5 Years. Your total deposits of ₹3.00 L earn ₹54,961 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 ₹5K/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.