Match exact scope
Use the card variant, deposit type, customer category and effective date that actually apply.
Deposit model
Put the controlling product term into the model—not the headline you remember.
Use the contracted product rate and check missed-instalment, day-count, tax and premature-closure rules.
Inputs
Estimate recurring-deposit maturity
This is an estimate. It derives a monthly effective rate from quarterly compounding and assumes each instalment arrives monthly on schedule. Banks can use actual-day calculations, delayed-instalment penalties, tax deductions and product-specific rounding, so the bank maturity advice remains controlling.
Keep exclusions separate
Caps, taxes, DCC, premature closure, payout method and excluded spend may need separate treatment.
Recheck before action
Product terms can change after the recorded review date or after you last used this calculator.