💰FD Calculator
Fixed Deposit Calculator
Calculate maturity amount and interest earned on your Fixed Deposit investment.
FD Details
₹
Amount you want to invest in FD
1,0001,00,00,000
%
Current FD rates range from 5% to 8%
310
months
1 year
3120
Most banks offer quarterly compounding
Note: Interest on FD is taxable as per your income tax slab. TDS is deducted if interest exceeds ₹40,000/year (₹50,000 for senior citizens).
Maturity Amount
₹0
After 1 year
Investment Breakdown
Principal Deposit₹1,00,000
Interest Earned₹0
Maturity Amount₹0
Deposit Composition
PrincipalInfinity%
InterestNaN%
Effective Annual Return6.50%
Understanding Fixed Deposits
Fixed Deposit (FD) is a safe investment option offered by banks where you deposit a lump sum for a fixed period at a predetermined interest rate.
Key Features of FD
- Guaranteed Returns: Fixed interest rate throughout tenure
- Safety: Insured up to ₹5 lakh per bank by DICGC
- Flexible Tenure: 7 days to 10 years
- Premature Withdrawal: Allowed with penalty (usually 0.5-1%)
- Loan Facility: Can take loan against FD up to 90% of value
Best FD Rates (2026)
- Senior Citizens: 7.5% - 8.5% p.a.
- Regular Citizens: 6.5% - 7.5% p.a.
- Small Finance Banks: Up to 9% p.a. (higher risk)