Saving ₹3,000 a month in a recurring deposit for 5 years at 6.7% (the Post Office RD rate) gives a maturity of about ₹2,14,097. You deposit ₹1,80,000, so ₹34,097 is interest.
₹3,000 a month RD after 5 years (6.7%)
₹2,14,097
- You deposit
- ₹1,80,000
- Interest earned
- ₹34,097
- After 1 year
- ₹37,326
₹3,000 RD maturity by rate and tenure
| Tenure | 6% | 6.5% | 6.7% | 7% | 7.5% |
|---|---|---|---|---|---|
| 1 year | ₹37,186 | ₹37,286 | ₹37,326 | ₹37,386 | ₹37,487 |
| 2 years | ₹76,653 | ₹77,055 | ₹77,217 | ₹77,459 | ₹77,866 |
| 3 years | ₹1,18,543 | ₹1,19,473 | ₹1,19,848 | ₹1,20,412 | ₹1,21,359 |
| 5 years | ₹2,10,191 | ₹2,12,972 | ₹2,14,097 | ₹2,15,798 | ₹2,18,669 |
| 10 years | ₹4,93,287 | ₹5,06,964 | ₹5,12,564 | ₹5,21,105 | ₹5,35,728 |
Deposits vs interest at 6.7%
| Tenure | You deposit | Interest | Maturity |
|---|---|---|---|
| 1 year | ₹36,000 | ₹1,326 | ₹37,326 |
| 2 years | ₹72,000 | ₹5,217 | ₹77,217 |
| 3 years | ₹1,08,000 | ₹11,848 | ₹1,19,848 |
| 5 years | ₹1,80,000 | ₹34,097 | ₹2,14,097 |
| 10 years | ₹3,60,000 | ₹1,52,564 | ₹5,12,564 |
An RD suits regular saving from your monthly salary. Missing an instalment usually means a small penalty, and RD interest is taxable at your slab rate, with TDS if interest at the bank crosses the yearly threshold.
Compare nearby amounts
| Monthly deposit | After 1 year | After 5 years |
|---|---|---|
| ₹500 a month | ₹6,221 | ₹35,683 |
| ₹1,000 a month | ₹12,442 | ₹71,366 |
| ₹2,000 a month | ₹24,884 | ₹1,42,732 |
| ₹3,000 a month | ₹37,326 | ₹2,14,097 |
| ₹5,000 a month | ₹62,210 | ₹3,56,829 |
| ₹10,000 a month | ₹1,24,420 | ₹7,13,658 |
| ₹15,000 a month | ₹1,86,630 | ₹10,70,487 |
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Frequently asked questions
What is the maturity of ₹3,000 RD for 5 years?
About ₹2,14,097 at 6.7% with quarterly compounding, from deposits of ₹1,80,000.
What is the maturity of ₹3,000 RD for 1 year?
About ₹37,326 at 6.7%, or ₹37,386 at 7%.
Is RD better than SIP for ₹3,000 a month?
An RD gives a fixed, guaranteed return (about ₹2,14,097 after 5 years at 6.7%). An equity SIP of the same amount could grow to about ₹2,47,459 at 12% a year, but returns are not guaranteed and can be lower or negative over short periods.
Quarterly compounding. Post Office 5-year RD at 6.7% for October to December 2026; bank RD rates vary. RD interest is taxable at your slab rate. An estimate. Related: All RD amounts · RD calculator · FD interest table · SIP returns