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FD vs RD vs PPF, after inflation.
| Calculator | Result |
|---|---|
| Fixed deposit · Maturity | ₹1,80,611 |
| Recurring deposit · Maturity | ₹25,752 |
| PPF · Maturity (tax-free) | ₹10.67 L |
| Inflation · Same basket will cost | ₹1.31 L |
Rate is an input: 7.2% is the full FD page's private-bank preset, not a quote.
Quarterly compounding, the bank RD convention.
15-year lock-in, extendable in 5-year blocks. The rate is set quarterly by the government; 7.1% is the full PPF page's default.
5.5% is the long-run CPI preset the full inflation calculator uses; change it to your own figure.
Calculators and illustrations, not investment advice or a guarantee. Returns and rates are your assumptions; results are ranges to plan with, not promises. Income tax uses FY2025-26 (AY2026-27) rules as summarised; check with a tax professional for your case.