FD Maturity Calculator
Quarterly Compounding · Senior Citizen Rates · TDS Deduction
AdSense 728×90
FD Details
Principal Amount (₹)
Interest Rate (% p.a.)7%
3%12%
Tenure1 Year
3 Months10 Years
Investor Type
Regular Standard rate
Senior Citizen +0.5% extra
Compounding Frequency
TDS on Interest
10% TDS PAN provided
20% TDS No PAN
No TDS Form 15G/H
Net Maturity Amount
₹0
After TDS deduction
Principal
₹0
Interest Earned
₹0
TDS Deducted
₹0
FD Summary
Principal₹0
Interest Rate7% p.a.
Tenure1 Year
CompoundingQuarterly
Gross Maturity₹0
Gross Interest₹0
TDS Deducted− ₹0
Net Maturity₹0
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Frequently Asked Questions
FD interest uses the compound interest formula: A = P × (1 + r/n)^(nt), where P is principal, r is annual rate, n is compounding frequency, and t is tenure in years. Most Indian bank FDs compound quarterly.
As of FY 2025-26, small finance banks like Jana, Unity, ESAF offer rates up to 9%. Large PSU banks (SBI, BOB) offer 6.8–7.25%. Senior citizens typically get 0.25–0.5% extra.
TDS is deducted at 10% if annual FD interest exceeds ₹40,000 (₹50,000 for senior citizens). Submit Form 15G/15H if your total income is below the taxable threshold to avoid TDS.
FDs are insured up to ₹5 lakh per depositor per bank under DICGC (Deposit Insurance and Credit Guarantee Corporation). Spreading FDs across banks gives you more coverage.
Cumulative FDs reinvest interest and pay the full amount at maturity (better for wealth creation). Non-cumulative FDs pay interest periodically — monthly, quarterly, or annually (better for regular income).