Investment
FD Calculator
Calculate Fixed Deposit maturity amount and interest
Popular Calculators
Enter Details
₹
%
Yrs
Mo
Results
Principal—
Interest Earned—
Maturity Amount—
Principal
Interest
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹1 lakh at 7% quarterly for 2 years | Maturity: ₹1,14,888 |
| ₹5 lakh at 7.5% quarterly for 5 years | Maturity: ₹7,24,974 |
How It Works
Formula, methodology and key concepts explained
A Fixed Deposit (FD) is the safest investment option in India — guaranteed returns with DICGC insurance up to ₹5 lakh per bank. Interest is compounded quarterly by most banks.
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Expert guidance to get the most out of your calculation
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Frequently Asked Questions
Common questions about FD Calculator
- FD uses compound interest: A = P(1 + r/n)^(nt), where P=principal, r=annual rate, n=compounding frequency per year, t=years. Most banks compound quarterly.
- Yes. FD interest is added to your income and taxed at your income tax slab rate. Banks deduct TDS at 10% if interest exceeds ₹40,000/year (₹50,000 for seniors). Submit Form 15G/15H if your income is below taxable limit.
- Small finance banks like Suryoday, Unity, and ESAF typically offer 8–9% on FDs. Among large banks, HDFC, ICICI, and SBI offer 6.5–7.5%. Compare current rates on bank websites before investing.
Key Numbers to Know
Benchmark figures for Investment planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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