Fixed Deposit Calculator — maturity amount and interest
Calculate the maturity value and interest earned on a fixed deposit with quarterly compounding, the method used by SBI, HDFC, ICICI, post office and most Indian banks.
FD कैलकुलेटर: फिक्स्ड डिपॉज़िट की मैच्योरिटी राशि और ब्याज जानें — तिमाही चक्रवृद्धि (quarterly compounding), जैसा SBI, HDFC, ICICI और पोस्ट ऑफ़िस करते हैं।
Formula: Maturity = P × (1 + r ÷ 4)^(4 × t), where r is the annual rate and t the tenure in years (quarterly compounding).
Ready-made scenarios (84)
₹50,000
- ₹50,000 FD for 1 year at 6.5%
- ₹50,000 FD for 1 year at 7%
- ₹50,000 FD for 1 year at 7.5%
- ₹50,000 FD for 2 years at 6.5%
- ₹50,000 FD for 2 years at 7%
- ₹50,000 FD for 2 years at 7.5%
- ₹50,000 FD for 3 years at 6.5%
- ₹50,000 FD for 3 years at 7%
- ₹50,000 FD for 3 years at 7.5%
- ₹50,000 FD for 5 years at 6.5%
- ₹50,000 FD for 5 years at 7%
- ₹50,000 FD for 5 years at 7.5%
₹1 lakh
- ₹1 lakh FD for 1 year at 6.5%
- ₹1 lakh FD for 1 year at 7%
- ₹1 lakh FD for 1 year at 7.5%
- ₹1 lakh FD for 2 years at 6.5%
- ₹1 lakh FD for 2 years at 7%
- ₹1 lakh FD for 2 years at 7.5%
- ₹1 lakh FD for 3 years at 6.5%
- ₹1 lakh FD for 3 years at 7%
- ₹1 lakh FD for 3 years at 7.5%
- ₹1 lakh FD for 5 years at 6.5%
- ₹1 lakh FD for 5 years at 7%
- ₹1 lakh FD for 5 years at 7.5%
₹2 lakh
- ₹2 lakh FD for 1 year at 6.5%
- ₹2 lakh FD for 1 year at 7%
- ₹2 lakh FD for 1 year at 7.5%
- ₹2 lakh FD for 2 years at 6.5%
- ₹2 lakh FD for 2 years at 7%
- ₹2 lakh FD for 2 years at 7.5%
- ₹2 lakh FD for 3 years at 6.5%
- ₹2 lakh FD for 3 years at 7%
- ₹2 lakh FD for 3 years at 7.5%
- ₹2 lakh FD for 5 years at 6.5%
- ₹2 lakh FD for 5 years at 7%
- ₹2 lakh FD for 5 years at 7.5%
₹5 lakh
- ₹5 lakh FD for 1 year at 6.5%
- ₹5 lakh FD for 1 year at 7%
- ₹5 lakh FD for 1 year at 7.5%
- ₹5 lakh FD for 2 years at 6.5%
- ₹5 lakh FD for 2 years at 7%
- ₹5 lakh FD for 2 years at 7.5%
- ₹5 lakh FD for 3 years at 6.5%
- ₹5 lakh FD for 3 years at 7%
- ₹5 lakh FD for 3 years at 7.5%
- ₹5 lakh FD for 5 years at 6.5%
- ₹5 lakh FD for 5 years at 7%
- ₹5 lakh FD for 5 years at 7.5%
₹10 lakh
- ₹10 lakh FD for 1 year at 6.5%
- ₹10 lakh FD for 1 year at 7%
- ₹10 lakh FD for 1 year at 7.5%
- ₹10 lakh FD for 2 years at 6.5%
- ₹10 lakh FD for 2 years at 7%
- ₹10 lakh FD for 2 years at 7.5%
- ₹10 lakh FD for 3 years at 6.5%
- ₹10 lakh FD for 3 years at 7%
- ₹10 lakh FD for 3 years at 7.5%
- ₹10 lakh FD for 5 years at 6.5%
- ₹10 lakh FD for 5 years at 7%
- ₹10 lakh FD for 5 years at 7.5%
₹25 lakh
- ₹25 lakh FD for 1 year at 6.5%
- ₹25 lakh FD for 1 year at 7%
- ₹25 lakh FD for 1 year at 7.5%
- ₹25 lakh FD for 2 years at 6.5%
- ₹25 lakh FD for 2 years at 7%
- ₹25 lakh FD for 2 years at 7.5%
- ₹25 lakh FD for 3 years at 6.5%
- ₹25 lakh FD for 3 years at 7%
- ₹25 lakh FD for 3 years at 7.5%
- ₹25 lakh FD for 5 years at 6.5%
- ₹25 lakh FD for 5 years at 7%
- ₹25 lakh FD for 5 years at 7.5%
₹50 lakh
- ₹50 lakh FD for 1 year at 6.5%
- ₹50 lakh FD for 1 year at 7%
- ₹50 lakh FD for 1 year at 7.5%
- ₹50 lakh FD for 2 years at 6.5%
- ₹50 lakh FD for 2 years at 7%
- ₹50 lakh FD for 2 years at 7.5%
- ₹50 lakh FD for 3 years at 6.5%
- ₹50 lakh FD for 3 years at 7%
- ₹50 lakh FD for 3 years at 7.5%
- ₹50 lakh FD for 5 years at 6.5%
- ₹50 lakh FD for 5 years at 7%
- ₹50 lakh FD for 5 years at 7.5%
Frequently asked
Is FD interest taxable?
Yes. FD interest is added to your income and taxed at your slab. Banks deduct TDS at 10% once interest crosses ₹40,000 a year (₹50,000 for senior citizens); submit Form 15G/15H if your total income is below the taxable limit.
Which is better, FD or debt mutual fund?
FDs give a guaranteed, known return and DICGC insurance up to ₹5 lakh per bank. Debt funds can beat FDs slightly but carry interest-rate and credit risk. For money you need within 1–2 years, an FD is usually the simpler choice.
Do senior citizens get a higher FD rate?
Most banks add 0.25–0.75% for depositors aged 60+. Enter your bank's senior rate in the calculator for the exact maturity amount.