Fixed Deposit Calculator

Calculate your FD returns for Indian banks

Investment Details

₹
%
Years
Months
Days
Senior Citizen (60+)
Adds 0.5% extra interest

Calculation Results

Maturity Amount
₹0
Total Interest Earned
₹0
Principal Amount ₹0
Interest Rate 0% p.a.
Effective Yield 0%
Total Tenure 0 years
Investment Breakdown
Principal
Interest
Principal
Interest
Cumulative FD
Interest is compounded quarterly and paid at maturity. Higher returns due to compounding effect.

About Fixed Deposits in India

Cumulative FD

Interest is compounded and reinvested. You receive the principal plus accumulated interest at maturity. Best for wealth accumulation. Interest is compounded quarterly (n=4) in most Indian banks.

Non-Cumulative FD

Interest is paid out at regular intervals (monthly, quarterly, half-yearly, or yearly). Principal is returned at maturity. Best for those needing regular income like retirees.

TDS (Tax Deducted at Source)

• 10% TDS if interest exceeds ₹40,000/year (₹50,000 for senior citizens) and PAN is provided
• 20% TDS if PAN is not provided
• Submit Form 15G/15H if your total income is below taxable limit to avoid TDS