FD Maturity Calculator
Fixed deposit maturity value with quarterly compounding, effective yield and TDS awareness.
Formula
Disclaimer: Interest rates shown are recent indicative values — banks revise FD cards and the government notifies small-savings rates quarterly. Verify the current rate before investing. Not financial advice.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need fd maturity calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About FD Maturity Calculator
The cumulative FD is India's default savings instrument: principal locked for a chosen tenure, interest compounded quarterly and paid at maturity. The defaults — ₹5,00,000 at 7.1% for 5 years — mature to about ₹7.1 lakh, with the quarterly convention quietly lifting the effective yield to 7.29%. Rate cards have texture worth exploiting: banks pay different rates by tenure bucket (the 1–2 year and 3–5 year shelves often peak differently), small finance banks pay 0.5–1.5% above large banks (equally covered by DICGC insurance up to ₹5 lakh per bank per depositor), and special-tenure FDs (e.g., 444 days) regularly beat adjacent round tenures. Ten minutes of comparison routinely adds 0.5%+ — on ₹5 lakh over 5 years, ~₹18,000. Plan around the two leaks: TDS (banks deduct 10% once yearly interest crosses the threshold — credited against your final tax, but it drags compounding) and your slab (FD interest is taxed as ordinary income, so a 30%-slab investor nets ~5% from a 7.1% FD — barely above inflation, which is why FDs are capital-parking and goal-matching instruments, not long-run wealth builders).
How to use FD Maturity Calculator
- 1Enter Deposit amount, FD interest rate (%), Tenure (years) into the FD Maturity Calculator.
- 2The result is computed automatically using Maturity = P × (1 + r/4)^(4t) — Indian FDs compound quarterly — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use FD Maturity Calculator?
- ✓Computes fd maturity calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
₹5 lakh ki FD par 5 saal me kitna milta hai?+
7.1% par quarterly compounding se ~₹2.10 lakh ka interest — maturity ~₹7.10 lakh. Wahi paisa 6.5% par ₹1.90 lakh aur 7.5% par ₹2.24 lakh deta hai: rate ka har 0.25% lagbhag ₹8–9 hazaar ka farak. Isliye 2-3 banks ke rate cards dekhna hamesha worth hai.
FD ka interest tax me kaise lagta hai?+
Poora interest aapki slab par taxable hai — 'income from other sources' me. Bank threshold ke upar 10% TDS kaat'ta hai (PAN na ho to 20%), jo aapke final tax me adjust hota hai. Kam income walon ke liye 15G/15H form TDS rukwa deta hai. 30% slab wale ka 7.1% FD asli me ~4.97% hai.
Kya small finance bank ki high-rate FD safe hai?+
DICGC insurance har bank me ₹5 lakh tak (principal + interest) cover karti hai — scheduled small finance banks bhi included. Strategy: high-rate bank me ₹4.5 lakh tak rakhein (interest ke liye headroom), zyada ho to do banks me baant lein. Insurance ke andar rah kar extra 1% lena free lunch ke sabse kareeb hai.
Premature withdrawal par kya hota hai?+
Do nuksan: rate woh milta hai jo ACTUAL period ke liye applicable tha (booked rate nahi), aur upar se 0.5–1% penalty. 5-saal wali 7.1% FD ko 1 saal me todne par shayad 6% − 1% = 5% hi mile. Isliye ek badi FD ki jagah 3-4 chhoti FDs (laddering) banana smart hai — todna pade to sirf ek tootti hai.
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