Co-operative Banks RD Calculator
Estimate your Co-operative Banks recurring deposit maturity, interest and post-tax return, then compare the same monthly saving with a Gold SIP.
Published rates Varies by bank · as of 25 Sept 2026
Same habit. Fewer rules.
A Gold SIP works like an RD: a fixed amount, on autopay. Your deposits grow the same either way; the difference is what they grow with.
Gold growth uses a ~11% p.a. long-term average with illustrative ups and downs; it is not guaranteed and can fall. RD returns are fixed and use quarterly compounding, before tax.
Co-operative Banks RD interest rates
Published Co-operative Banks recurring deposit rates by tenure. Set the matching rate in the calculator above to estimate maturity.
| Tenure | General public | Senior citizen |
|---|---|---|
| Any co-operative bank recurring deposit | Varies by bank | Varies by bank |
- Co-operative bank RD rates vary by the specific bank, branch/product and deposit size.
- Use this calculator with the rate published by the co-operative bank you are evaluating.
- Check DICGC coverage, missed-instalment rules and premature-closure penalties before opening the RD.
Rates are for information only, as of 25 Sept 2026. Source: RBI master circular for urban co-operative bank deposits. There is no single co-operative-bank RD rate card. Rates, minimum deposits and penalties vary by bank. Confirm the latest Co-operative Banks RD rates before investing.
"I'd been running a ₹2,000 RD for years. Now half of it goes into gold every month, same habit, and I can pause it whenever I need to."
Everything about RD calculators
What is an RD calculator?
A recurring deposit (RD) lets you save a fixed amount every month with a bank or Post Office, at a fixed interest rate, for a set tenure. You don't need a lump sum. It builds a habit of regular saving, one instalment at a time.
Because every instalment earns interest for a different number of months, working it out by hand is slow. An RD calculator does it instantly and shows what you keep after tax.
How to use the RD calculator
- Enter your monthly deposit: type it or tap a preset.
- Set the interest rate your bank offers.
- Choose the tenure in years.
- Pick your tax slab to see interest after tax.
Why use an RD calculator
- Plan with certainty: know the exact amount your deposits will reach.
- No manual maths: accurate results in seconds.
- Free and unlimited: try different amounts and tenures as often as you like.
How RD maturity is calculated
Most banks compound RD interest quarterly. Each instalment is calculated on its own, then all are added together.
How Gold SIP value is calculated
A Gold SIP buys gold at each instalment. Its value grows with the gold price, so we use a monthly rate derived from the long-term average.
Co-operative Banks RD calculator questions
How does the Co-operative Bank RD calculator work?
Enter your monthly deposit, set Co-operative Banks's RD interest rate and choose the tenure. The calculator compounds each monthly instalment quarterly and shows maturity value, total deposit, interest earned, tax impact and a Gold SIP comparison.
What are the latest Co-operative Banks RD interest rates?
Co-operative Banks RD rates vary by the specific bank. Use the calculator with the rate published by the co-operative bank you are considering, and confirm it directly before opening an RD.
What is the minimum monthly deposit for a Co-operative Banks RD?
The minimum monthly deposit shown for Co-operative Banks is about ₹100. Branch, channel, product variant and customer-type rules can differ, so check the bank's current RD terms before booking.
Is Co-operative Banks RD interest taxable?
Yes. RD interest is added to your income and taxed at your slab rate. The calculator's tax option estimates the tax impact on interest, but actual TDS and tax treatment can depend on your total income and bank rules.
Can I stop a Co-operative Banks RD before maturity?
Most banks allow premature RD closure, but they may pay a lower rate and charge a penalty. Check Co-operative Banks's premature-withdrawal and missed-instalment rules before investing.
Save like an RD.
Grow like gold.
Start a daily, weekly or monthly Gold SIP from ₹10 on UPI autopay. Pause anytime, no penalty.
Methodology. RD maturity sums each monthly instalment compounded quarterly, as most Indian banks and the Post Office calculate it. Gold SIP values use a ~11% p.a. long-term gold price average applied monthly; gold prices can fall and returns are not guaranteed. Tax is simplified to your slab rate on RD interest. Review current bank terms and consult a professional before deciding.