Calculate fixed-deposit maturity with RBI-standard quarterly compounding. Enter principal, rate and tenure for maturity, interest and yield offline.
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Quick answer: FD Calculator India — FD maturity quarterly Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
Fixed quarterly compounding
Interest earned
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Effective yield (p.a.)
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It uses RBI-standard quarterly rests: A = P×(1+r/400)^(4×t), where r is the nominal annual rate and t is years. Effective annual yield exceeds the nominal rate because interest reinvests every quarter. For example, 7% nominal gives about 7.19% effective yield. See /terms.
No. Banks deduct TDS when yearly interest crosses Rs 40,000 (Rs 50,000 for seniors), but this tool shows pre-TDS maturity for illustration. For example, Rs 2,07,390 interest on a 5-year deposit faces TDS across years. Senior-citizen slabs differ, so confirm your bank notice and see /terms.
Yes in real banks but not in this projection: many Indian banks add 0.50% for seniors, while premature withdrawal costs a penalty and a lower slab. For example, Rs 5,00,000 at 7% for 5 years matures near Rs 7,07,390, while the 7.50% senior rate reaches Rs 7,25,000. This shows pre-TDS compounding only; confirm your bank card rate and see /terms.
Yes. Your lump FD sum never leaves this phone. Tenure, rate and premature-exit math runs here offline with no upload and no sign-up. For example, a Rs 5,00,000 lump for 5 years stays private, needs no net, and clears on tab shut. Tool shows pre-TDS math only. See /terms.
Split Rs 5,00,000 into Rs 1,00,000 tranches maturing in one through five years, then roll each redemption into fresh five-year deposits. Laddering staggers cash availability while capturing rising card rates. Retain emergency tranches short, extend surplus tranches long, and avoid premature penalties. Reassess rate cycles annually. See /terms.
Indian term deposits compound quarterly under Reserve Bank convention through A = P multiplied by (1+r/400) raised to four times t. Principal P seeds computation, nominal rate r sets velocity, tenure t exponentiates compounding. Illustrate Rs 5,00,000 at 7% for five years maturing near Rs 7,07,390 with Rs 2,07,390 interest and 7.19% effective yield; senior 7.50% elevates same deposit near Rs 7,25,381 with Rs 2,25,381 interest. Tenure ladder matrix clarifies progression: one year Rs 5,35,216 | three years Rs 6,15,720 | five years Rs 7,07,390. Quarterly reinvestment outpaces annual payout elections because interim earnings immediately attract subsequent interest. Cumulative options maximize terminal corpus, whereas non-cumulative disbursements sacrifice compounding for cash flow. All arithmetic executes offline inside browser memory without transmitting account specifics. See /terms.
Provide deposit quantum, card rate, tenure years, depositor category, and payout preference; engine returns maturity, interest aggregate, effective annualized yield, and quarterly accretion chart. General depositors incur 10% TDS once annual interest surpasses Rs 40,000, seniors face identical levy beyond Rs 50,000, with Form 15G or 15H shielding eligible nil-taxpayers. Premature liquidation typically forfeits 0.50-1.00% from contracted slab and applicable TDS, transforming 7% five-year promise into 6% realized outcome. Senior augmentation of 0.50% meaningfully compounds: Rs 5,00,000 at 7.50% outpaces standard 7% by roughly Rs 18,000 across five years. Floating card revisions, penalty schedules, and tax brackets invalidate static projections. Scrutinize sanction advice for compounding periodicity, auto-renewal clauses, and nomination formalities. Juxtapose post-tax harvests against /ppf-calculator exemptions and /sip-calculator market prospects. See /terms.
Distribute Rs 5,00,000 across one-, three-, and five-year rungs rather than concentrating entire corpus in solitary maturity; maturing proceeds systematically reinvest at prevailing peaks while preserving emergency access. Compare standard Rs 7,07,390 against senior Rs 7,25,381 to motivate family-member allocations where eligible. Model premature scenario where year-three withdrawal at 6% penalty-adjusted rate yields near Rs 5,95,000 instead of anticipated trajectory, underscoring commitment discipline. Calendarize renewals, enable maturity alerts, and stagger institutions to diversify credit exposure beyond deposit insurance ceilings. Reconcile guaranteed but taxable FD harvests with EEE PPF compounding at /ppf-calculator and inflation-adjusted lenses at /inflation-calculator. This tutorial enlightens rather than advises asset allocation. Validate card rates, TDS certificates, and penalty grids with branch officials. See /methodology for algebra and /terms for disclaimers before booking.