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Advanced FD Calculator
Calculate your fixed deposit returns with precision
Advanced FD Calculator
Our comprehensive FD calculator helps you estimate returns from your fixed deposit investments with various compounding options. Calculate maturity amount considering interest rates, tenure, compounding frequency, and tax implications. Perfect for planning your fixed income investments.
How to use this tool:
- Click "Get Started" to begin
- Enter your deposit amount
- Set your expected annual interest rate
- Choose your deposit tenure
- Select interest compounding frequency
- Optionally enable TDS and inflation adjustment
- View detailed results and growth chart
- Download your results as PDF, Excel or Image
Minimum Rs.1,000, maximum Rs.2 crore
Typical FD rates range from 5% to 8%
Maximum tenure is 25 years (9125 days)
More frequent compounding yields higher returns
Higher interest rates may apply for senior citizens
TDS is deducted if interest exceeds Rs.40,000 (Rs.50,000 for seniors)
Shows real value of returns after inflation
| Period | Principal | Interest | Cumulative Interest | Balance |
|---|
Key Features of FD Calculator
Precision Calculations:
- Compound interest (monthly/quarterly/annually)
- Simple interest (at maturity) options
Comprehensive Factors:
- TDS deduction calculations
- Inflation-adjusted real returns
- Senior citizen bonus rates
Visual Reporting:
- Growth charts and graphs
- Year-by-year breakdowns
- Downloadable reports (PDF/Excel)
Comparison Tools:
- Compare different tenures
- Compare different banks' rates
- Compare compounding frequencies
Fixed Deposit Investment Process - Step by Step Guide
Step 1: Choose Your Bank/NBFC
Compare interest rates across institutions
Step 2: Select Tenure
Short-term (1-12 months) or long-term (1-10 years)
Step 3: Decide Amount
Minimum typically ₹1,000 (varies by bank)
Step 4: Choose Interest Payout
- Monthly (for regular income)
- Quarterly/Annually (for compounding)
- Cumulative (at maturity)
Step 5: Submit KYC Documents
PAN, Aadhaar, address proof
Step 6: Select Nominee
Crucial for account security
Step 7: Fund Transfer
Through cheque/online transfer
Step 8: Receive Confirmation
FD receipt with all terms
Frequently Asked Question(FAQs)
Can I withdraw FD before maturity?
Yes, but with 0.5%-1% penalty and reduced interest
How is FD interest calculated?
Either simple (Interest = P×R×T) or compound (A = P(1+r/n)^(nt))
Which FD gives highest returns?
Small Finance Banks (up to 8.5%) > NBFCs (8%) > Private Banks (7%) > PSU Banks (6.5%)
Are corporate FDs safe?
Higher risk than bank FDs - check CRISIL/ICRA ratings first
Can NRI invest in FDs?
Yes, through NRO/NRE accounts with different tax treatments
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