Savings & deposits
FD Calculator
ఫిక్స్డ్ డిపాజిట్ కాలిక్యులేటర్
Maturity value of a bank fixed deposit with quarterly compounding, or the quarterly payout.
Your result ఫలితం
Maturity value మెచ్యూరిటీ మొత్తం
1.41 lakh rupees
- Depositడిపాజిట్
- ₹1,00,000
- Total interestమొత్తం వడ్డీ
- ₹41,478
- Maturity valueమెచ్యూరిటీ
- ₹1,41,478
Year by year ఏడాదివారీగా
- Deposit
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Interest so far | Value |
|---|---|---|
| 1 | ₹7,186 | ₹1,07,186 |
| 2 | ₹14,888 | ₹1,14,888 |
| 3 | ₹23,144 | ₹1,23,144 |
| 4 | ₹31,993 | ₹1,31,993 |
| 5 | ₹41,478 | ₹1,41,478 |
How FD interest is calculated
Banks add interest to a cumulative deposit every quarter, so it compounds four times a year:
Maturity = P × (1 + r ÷ 4) 4 × T
Example: ₹1,00,000 at 7% for 5 years matures at ₹1,41,478: ₹41,478 interest. With the interest paid out instead, you get ₹1,750 every quarter and the ₹1,00,000 back at the end.
Good to know
- Deposits shorter than six months earn simple interest.
- FD interest is taxable income; banks deduct TDS once a year's interest crosses the limit.
- Breaking an FD early usually costs a penalty on the rate.
Questions
Cumulative or payout: which is better?
Cumulative earns more, because the interest itself earns interest. A quarterly payout suits you if you need a regular income from the deposit.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
