RD Rs 10000 Per Month — Post Office and Bank Returns
Calculate returns on Rs 10000 monthly Recurring Deposit across different tenures and interest rates. Compare bank and post office RD rates for 2026.
A Rs 10000 monthly Recurring Deposit is a popular savings choice for conservative investors who want guaranteed returns without market risk. At 6.5% interest (typical bank rate) Rs 10000 monthly for 5 years grows to approximately Rs 7.08 lakh from Rs 6 lakh invested. Post Office RD at 6.7% gives slightly higher returns. While returns are lower than mutual funds RD provides certainty and suits short-term goals.
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Key Information
| Parameter | Details |
|---|---|
| Bank RD Rate (2026) | 6% - 7% per annum |
| Post Office RD Rate | 6.7% per annum |
| 3 Year Maturity (6.5%) | Rs 4.01 lakh (invested Rs 3.6 lakh) |
| 5 Year Maturity (6.5%) | Rs 7.08 lakh (invested Rs 6 lakh) |
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Use Calculator NowFrequently Asked Questions
How much will Rs 10000 RD give in 5 years?
At 6.5% interest: Rs 10000/month for 5 years (60 months) gives approximately Rs 7.08 lakh maturity. You invest Rs 6 lakh and earn approximately Rs 1.08 lakh in interest. At 7%: maturity is approximately Rs 7.16 lakh. At 6%: approximately Rs 6.98 lakh. The difference between 6% and 7% on a 5-year RD of Rs 10000/month is approximately Rs 18000.
Is RD better than FD?
RD is better if you do not have a lump sum and want to save monthly. FD is better if you have the full amount upfront because the entire amount earns interest from day one. Rs 6 lakh FD at 7% for 5 years gives Rs 8.51 lakh versus Rs 7.08 lakh from Rs 10000/month RD at the same rate. FD always gives more if the lump sum is available.
Is RD interest taxable?
Yes RD interest is fully taxable at your income tax slab rate. If your total interest from all FDs and RDs with a bank exceeds Rs 40000 per year (Rs 50000 for senior citizens) TDS of 10% is deducted. You must report the interest income in your ITR even if TDS is not deducted. This tax treatment makes RD less attractive compared to tax-free PPF or ELSS.
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Last updated: March 2026