🏦 FD Calculator
Fixed deposit ka maturity value aur interest — quarterly compounding ke saath.
Last updated: 7 Oct 2026 · Calculation based on publicly known formulas. This is an estimate — actual values may vary.
Result
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This is an estimate. Actual values may vary.
How we calculated it
Maturity = P × (1 + r/4)^(4t) — quarterly compounding, jo India me bank FDs ka standard hai. r = annual rate ÷ 100, t = years. Interest earned = maturity − principal.
Honest limits
- Kuch banks/NBFCs monthly ya annual compounding bhi dete hain — result thoda alag ho sakta hai.
- TDS (ek saal me ₹40,000 se zyada interest par 10%; senior citizens ke liye ₹50,000) yahan deduct nahi kiya gaya.
- Premature withdrawal par penalty lagti hai — ye full-tenure figure hai.
This is an estimate. Actual values may vary. For official figures, always check the relevant authority or official notification.
Frequently asked questions
FD me compounding kitni baar hoti hai?
Zyadatar Indian banks quarterly compounding dete hain — isiliye ye calculator (1+r/4)^(4t) use karta hai. Kuch NBFCs monthly compounding bhi offer karti hain.
Senior citizens ko zyada rate milta hai?
Haan, aam taur par 0.25–0.50% extra. Rate field me apna applicable rate daalein — calculator wahi use karega.
Kya interest par tax lagega?
Haan. Ek financial year me ₹40,000 (senior citizens ke liye ₹50,000) se zyada interest par 10% TDS kat ta hai. Ye calculator gross maturity dikhata hai.
FD todne (premature withdrawal) par kya hota hai?
Bank 0.5–1% penalty lagata hai aur bache hue period par lower rate milta hai. Ye calculator full tenure assume karta hai.