Compounding matters
More frequent compounding can produce a slightly higher maturity value when the deposit, rate and tenure remain unchanged.
Free deposit planning tool
FD calculator for predictable growth.
Estimate your fixed deposit maturity value and total interest. Explore how the deposit amount, tenure, rate and compounding frequency affect returns.
Cumulative returns Before-tax estimate
Plan your fixed deposit
Estimate FD maturity value
₹1K₹1Cr
0%15%
Mo
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Understand your returns
What shapes your FD maturity amount?
Cumulative fixed deposits earn interest on both the original deposit and previously earned interest, creating compound growth.
Tenure drives growth
A longer tenure provides more compounding periods, but premature withdrawal may attract a lower rate or penalty.
Use the bank’s rate
FD rates vary by bank, tenure, deposit size and customer category. Enter the exact offered rate for a closer estimate.
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FD calculator questions
Frequently asked questions
How is fixed deposit interest calculated?+
For a cumulative FD, interest is compounded at the selected frequency. The maturity value depends on the deposit, annual rate, tenure and compounding interval.
What is the difference between cumulative and payout FDs?+
A cumulative FD reinvests interest until maturity, while a payout FD distributes interest periodically. This calculator estimates cumulative growth.
Is TDS deducted from fixed deposit interest?+
Banks may deduct TDS when interest crosses the applicable threshold, subject to current tax rules and declarations. This calculator shows returns before tax and TDS.
Do senior citizens get a higher FD interest rate?+
Many Indian banks offer eligible senior citizens an additional interest rate. Enter the rate quoted by your bank to estimate the corresponding maturity amount.
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