Last updated: October 2026

🏦 FD Calculator

Our FD calculator tells you exactly how much your fixed deposit will grow. Enter the deposit amount, interest rate and tenure to see the maturity value and total interest earned — with quarterly compounding as Indian banks offer.

FD Calculator

Lump sum fixed deposit ka estimated maturity amount.

Deposit amount

₹10,000₹1 crore

Annual interest rate

0%15%

Deposit duration

6 months20 years

Estimated maturity value₹7,07,389

Total interest earned₹2,07,389

Estimate assumes quarterly compounding.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

FD calculator Hindi me kaise use kare?

Ek baar jama hone wali deposit amount, bank ka annual rate aur tenure dalein. Tool quarterly compounding ke basis par maturity amount aur total interest ka estimate dikhata hai.

How to Use

Enter your deposit amount (e.g. ₹5,00,000).
Set the annual interest rate (e.g. 7.1%).
Choose the tenure in years.
See your maturity value and interest earned instantly.

Formula

A = P × (1 + r/4)^4t

Where A = maturity value, P = principal, r = annual rate, t = years. Indian banks compound FD interest quarterly.

💡 Example

Example: ₹5 lakh FD at 7.1% for 5 years → maturity ≈ ₹7,10,000 (interest ≈ ₹2.1 lakh). Senior citizens typically get 0.25–0.50% extra.

FAQs — FD Calculator

Indian banks compound FD interest quarterly. Our calculator uses the standard formula A = P(1+r/4)^4t for accurate maturity values.

Yes, FD interest is fully taxable as per your income slab. TDS of 10% applies if interest exceeds ₹40,000/year (₹50,000 for senior citizens).

FD suits lump-sum deposits; RD suits monthly savers. Returns are similar for the same rate and period.

Yes, but banks charge a premature-withdrawal penalty (usually 0.5–1% lower rate). Some FDs allow sweep-in facilities.

Related Guides

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📖 FD Rates Oct 2026: 8.15% Tak! →📖 FD Laddering Strategy →📖 RD vs FD 2026 →📖 Emergency Fund Kitna Hona Chahiye →

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