RD Calculator
Har mahine kitna jama karoge, rate aur tenure daalo — RD ki maturity amount aur total interest turant pata karo.
How to use — RD Calculator
- Har mahine jitna jama karoge wo amount daalo.
- Bank ka RD interest rate daalo.
- Tenure months me daalo (6 se 120 mahine).
- Calculate dabao — maturity amount aur total interest dikh jayega.
FAQ
RD me interest kaise lagta hai?
Har monthly deposit pe quarterly compounding se interest lagta hai — pehli installment ko pura time milta hai, aakhri ko sirf 1 mahina. Ye calculator bank-standard quarterly compounding use karta hai.
RD vs SIP — kya choose karein?
RD guaranteed return deta hai (~7%) — short-term goals ke liye perfect. SIP equity me hai, long-term (5+ saal) me zyada return de sakta hai lekin risk ke saath. 1–3 saal ke goal ke liye RD better hai.
RD installment miss ho jaye to?
Banks chhoti penalty lagate hain (₹1–2 per ₹100 per month typically) aur kai baar RD default hone pe band bhi ho sakta hai. Auto-debit laga lo.
RD ke interest pe tax lagta hai?
Haan — RD interest fully taxable hai aapke slab pe, aur FD ki tarah TDS bhi lagta hai agar saal ka total interest ₹40,000 (senior: ₹50,000) se zyada ho.