RD vs SIP Calculator — Fixed Return vs Market-Linked
RD at 7% gives guaranteed returns; SIP at 12% average gives higher but variable returns. ₹5,000/month for 5 years: RD gives ₹3.58 lakh (guaranteed), SIP gives ~₹4.12 lakh (market-linked). SIP wins long-term but carries risk.
Total Deposited
₹1,20,000
Interest Earned
₹9,099
Maturity Amount
₹1,29,099
Calculated with quarterly compounding as per RBI guidelines for RD accounts. TDS applies on interest above ₹40,000 per year (₹50,000 for senior citizens).
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Calculated with CalcHub