Skip to main content
Fixed Deposit • Bank Guaranteed

FD Calculator

Calculate returns on your Fixed Deposit investment with various compounding options. Plan your deposits for maximum returns.

₹10,000₹1 Cr
%
3%10%
Yrs
1 Year10 Years

Maturity Amount (After 5 Years)

₹7.07 L

7.19% Effective Rate

Principal

₹5.00 L

Interest Earned

₹2.07 L

Total Return

41.5%

Interest %

29%

Understanding Fixed Deposits

What is an FD?

A Fixed Deposit is a savings instrument where you deposit a lump sum for a fixed tenure at a predetermined interest rate. It offers guaranteed returns and capital protection.

Compounding Effect

More frequent compounding leads to higher returns. Quarterly compounding is most common in India. Monthly compounding gives slightly better returns than yearly.

Tax-Saving FD

5-year tax-saving FDs qualify for deduction under Section 80C (up to ₹1.5 lakhs). However, interest earned is taxable as per your income tax slab.