RD Calculator for ₹1000 Per Month — 3 Years

Total Value

₹40,137

Total Invested

₹36,000

Returns Earned

₹4,137

*At 7% p.a. expected return. Use the calculator below for custom adjustments.

✓ Updated June 2026

₹1000 Per Month RD for 3 Years — Detailed Analysis

Investing ₹1000 Per Month every month for 3 Years at 7% per annum will grow to approximately ₹40,137.

Mathematical Compounding Model:Formula: M = R x [(1 + i)^n - 1] / [1 - (1 + i)^(-1/3)] (Quarterly Compounding)

Where:
• Monthly Installment (R) = ₹1000 Per Month (1000)
• Monthly Interest Rate (i) = 7% / 12 / 100 = 0.005833
• Number of Months (n) = 36
• Maturity Corpus = ₹40,137

Your total investment would be ₹36,000, and you would earn returns of approximately ₹4,137 — a growth of 11.5% on your invested capital.

Bilingual FAQs: ₹1000 Per Month RD Calculator Answers

Q: ₹1000 Per Month monthly RD par 3 Years me kitna byaj milega?

A: For a Recurring Deposit of ₹1000 Per Month monthly for 3 Years at 7% interest rate, your total investment of ₹36,000 will accumulate to a final maturity amount of ₹40,137, earning an interest of ₹4,137.

Q: What is the difference between RD and FD for a ₹1000 Per Month investment?

A: An FD is a one-time lump sum deposit of ₹1000 Per Month where the entire amount earns interest from day one. An RD is a recurring monthly deposit of ₹1000 Per Month where you deposit progressively. FDs yield higher absolute returns for the same principal since the funds are invested longer, while RDs offer a structured savings route.

Q: Kya main is ₹1000 Per Month ki investment schedule ko beech me rok sakta hoon?

A: Recurring Deposit (RD) ko premature withdrawal limit ke sath band kiya ja sakta hai. Aap jitne mahine bad deposit todte hain, utne samay ke current interest rate par penalty (typically 1%) deduct karke aapko balance vapas kiya jayega.

Q: What are the tax implications on the maturity returns of this ₹1000 Per Month plan?

A: Interest earned on FDs and RDs is fully taxable based on your active income tax slab rates. Banks also deduct TDS at 10% under Section 194A if the annual interest income across branches exceeds ₹40,000 (₹50,000 for senior citizens). You can file Form 15G/15H if your total yearly taxable income is below the exemption limit.