Fixed Deposit (FD) Calculator

Calculate maturity amount and interest earned on your Fixed Deposit

FD Details
Enter your fixed deposit information
₹1,00,000
₹10K₹1Cr
7%
3%12%
5 years
1 year10 years
FD Maturity Details

Maturity Amount

₹1,41,478

Principal

₹1,00,000

Interest Earned

₹41,478

Maturity Breakdown

Fixed deposits in India: compounding and TDS basics

Banks compound FD interest quarterly in many products even if interest is displayed annually—your maturity amount depends on the compounding frequency in the offer document.

Interest income is generally taxable as per your slab unless you use a tax-saving FD under Section 80C with a five-year lock-in and specific bank eligibility rules.

Compare similar tenures across banks on effective annual yield, not headline rates alone. Senior citizen rates and special buckets can differ materially.

FincalFY tools are for education and planning. They are not regulated financial, tax, or legal advice.

FD Calculator India — Maturity, Interest & Compounding