About this tool
Compare a fixed-deposit projection under the selected rate, tenure and interest mode. Review cumulative growth or periodic payout assumptions before comparing the result with an actual deposit quotation.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with FD Deposit Principal (₹); Annual FD Interest Rate (% p.a.); FD Tenure (Months).
- Review Principal Invested; Total Interest Earned; Maturity Value in the result breakdown.
Benefits
- Compare payout and cumulative-interest scenarios.
- See principal and estimated interest as distinct values.
Who should use this tool?
- People comparing fixed-deposit quotations.
- Depositors checking an interest estimate.
How to use
- Complete the labelled fields for your scenario, including FD Deposit Principal (₹); Annual FD Interest Rate (% p.a.); FD Tenure (Months). Use the units shown beside each field.
- Try the example labelled “₹5 Lakh FD @ 7.25% for 36 Months (3 Years)” if you want to check the workflow first.
- Select Calculate / Run Tool and review Cumulative FD Maturity Amount and Principal Invested; Total Interest Earned.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹5 Lakh FD @ 7.25% for 36 Months (3 Years) | FD Deposit Principal (₹): 500000Annual FD Interest Rate (% p.a.): 7.25FD Tenure (Months): 36 | ₹6,20,273 (Interest Earned: ₹1,20,273) |
| ₹10 Lakh Senior Citizen FD @ 7.75% for 60 Months | FD Deposit Principal (₹): 1000000Annual FD Interest Rate (% p.a.): 7.75FD Tenure (Months): 60 | ₹14,67,843 (Interest Earned: ₹4,67,843) |
Reference and processing
Indian Banking Quarterly Compounding Formula A = P(1 + r/400)^(4n) · Listed applicability: 2025-2026
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Why can a bank’s quoted maturity amount differ?
Day-count conventions, compounding, payment timing, rounding, taxes and product terms can differ from the model’s assumptions. Use the bank’s terms for the actual deposit.
Which inputs do I need for Fixed Deposit (FD) Calculator (Quarterly Cumulative vs Payout)?
Use FD Deposit Principal (₹); Annual FD Interest Rate (% p.a.); FD Tenure (Months). The built-in examples show how those fields fit together.
What should I check before using this result?
TDS u/s 194A applies at 10% when annual bank FD interest exceeds threshold unless Form 15G/15H is submitted. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.