FD Calculator

Calculate FD maturity amount, interest, payout options & TDS

Accurate FD Math
Payout Options
TDS Deduction
Instant Result

Depositor Type

Deposit Details

₹1K₹10Cr
₹
1%12%
Senior citizens usually get +0.50% extra rate
%
6 months10 years

Compounding Frequency

Interest Payout

TDS Options

TDS applies if annual interest > ₹40,000 (₹50,000 for senior citizens)
FD Summary
Maturity Amount
₹ 1,41,478
after 5 years (₹1L @ 7% quarterly)
Principal Amount
₹ 1,00,000
Interest Earned
₹ 41,478
Effective Annual Return
7.19%
Total Interest After TDS
₹ 41,478
Principal: ₹1L
Interest: ₹41.5K

Popular Bank FD Rates (Indicative)

Bank 1 Year 3 Years 5 Years Senior (+0.5%)
SBI 6.80% 7.00% 6.50% 7.50%
HDFC Bank 6.60% 7.00% 7.00% 7.50%
ICICI Bank 6.70% 7.00% 7.00% 7.50%
Axis Bank 6.70% 7.10% 7.00% 7.60%
Post Office TD 6.90% 7.00% 7.50% 7.50%
Bajaj Finance 7.40% 8.10% 8.35% 8.85%

Note: Rates are indicative and subject to change. Verify current rates on the bank's website or branch before booking.

How to Use This Calculator

1

Select Depositor

General, Senior Citizen (60+), or Super Senior (80+) — senior citizens get higher rates.

2

Enter Amount & Rate

Type the deposit amount and interest rate offered by your bank.

3

Choose Tenure & Compounding

Duration + how often interest compounds (quarterly is most common in India).

4

Pick Payout Type

Cumulative (reinvest) or monthly/quarterly payout for regular income.

About This Tool

Free FD calculator for India. Calculate fixed deposit maturity amount, total interest earned, TDS deduction, and payout amounts. Supports all compounding frequencies (yearly, half-yearly, quarterly, monthly) and payout options (cumulative, monthly, quarterly). Includes senior citizen rates, TDS calculation, and bank comparison table. 100% browser-based — no signup required.

Accurate FD math 4 compounding types Payout options TDS deduction Senior citizen 100% free