🏧 Investment Tools

FD Calculator — Fixed Deposit Maturity 2025

FD कैलकुलेटर — कितना मिलेगा मैच्योरिटी पर?

Calculate FD maturity amount, total interest earned with any compounding frequency.

🏧 FD Details

₹1K₹1Cr
1%15%
1 month10 years

🏦 Current FD Rates (2025 approx.)

Click a rate to auto-fill calculator. Rates change — verify with bank.

Bank1-2 Year3-5 YearSenior Citizen
SBI6.80%6.50%7.30%
HDFC Bank7.00%7.00%7.50%
ICICI Bank6.90%7.00%7.40%
Axis Bank7.10%7.00%7.60%
Post Office6.90%7.50%—
Small Finance Banks8.50%+9.00%+9.50%+
Maturity Amount
₹0
after 2 years
₹0
Principal
₹0
Interest Earned
0%
Effective Rate
0%
Total Gain
Principal vs Interest
Principal
Interest
Principal
Interest

Fixed Deposit — Key Facts for Indian Investors

FD Formula: Maturity = P × (1 + r/n)^(n×t) where P = Principal, r = annual rate, n = compounding frequency per year, t = time in years.

Tax on FD Interest: FD interest is fully taxable as per your income tax slab. Banks deduct TDS at 10% if interest exceeds ₹40,000/year (₹50,000 for senior citizens). If your total income is below taxable limit, submit Form 15G/15H to avoid TDS.

Senior Citizen FDs: Banks offer 0.25% to 0.75% extra interest for senior citizens (age 60+). Always check the senior citizen rate separately.

Best FD rates: Small Finance Banks and NBFCs often offer higher rates (8-9%+) but have lower DICGC insurance limit than scheduled commercial banks. DICGC insures up to ₹5 lakh per bank.

Related tools

📈SIP CalculatorMutual fund SIP returns💎PPF Calculator15-year PPF planner🔐EPF CalculatorPF corpus projection🏦EMI CalculatorHome, car, personal loan EMI

Kaise use karein

  1. Principal amount, interest rate, aur tenure enter karein.
  2. Compounding frequency select karein.
  3. Maturity amount aur total interest instantly calculate hoga.

Privacy & security

Banks quarterly compound karte hain — simple interest se calculation different aati hai. Exact maturity amount jaanna zaroori hai FD lene se pehle.

Common use cases

Bank FD, post office term deposit — different banks ki rates compare karein aur sahi tenure decide karein.