Fixed Deposit (FD) Calculator
Calculate maturity amount and interest earned on bank Fixed Deposits with quarterly compounding and senior citizen rates.
Adjust Inputs
Real-Time UpdateAfter 5 years with quarterly compounding
At effective rate of 7.25% p.a.
Guaranteed by DICGC up to ₹5 Lakh
Visual Breakdown
Interactive GraphicDetailed Breakdown & Amortization Schedule
Showing 5 of 5 periods
| Year | Deposit Amount | Interest Earned | Total Balance |
|---|---|---|---|
| Year 1 | ₹1,00,000 | ₹7,450 | ₹1,07,450 |
| Year 2 | ₹1,00,000 | ₹15,454 | ₹1,15,454 |
| Year 3 | ₹1,00,000 | ₹24,055 | ₹1,24,055 |
| Year 4 | ₹1,00,000 | ₹33,296 | ₹1,33,296 |
| Year 5 | ₹1,00,000 | ₹43,226 | ₹1,43,226 |
A = P × [1 + (r / 4)]^(4 × t) Where P = ₹1,00,000, r = 0.0725, compounding frequency = 4 (Quarterly), t = 5 years.
Need assistance with Startup India & DPIIT Advisory?
DPIIT Certificate, Section 80-IAC 3-year tax holiday & pitch deck preparation.
Understanding the Fixed Deposit (FD) Calculator
This calculator provides real-time, mathematically verified computations for Indian tax payers, investors, and businesses. All algorithms are calibrated to Indian statutory standards including the Income Tax Act 1961, CGST Act 2017, and standard banking annuity models.
How It Works
- Enter your baseline financial values using the input fields or interactive sliders.
- Observe instant changes in the summary metrics and visual breakdown charts without page reloads.
- Review the year-by-year or month-by-month amortization schedule for long-term clarity.
- Export your results via CSV or print a clean summary for your tax consultant or accountant.
RBI Guidelines for Bank Term Deposits (Quarterly Compounding)
Related Calculators
SIP Calculator (Systematic Investment Plan)
Calculate expected maturity wealth and total returns on your mutual fund Systematic Investment Plan (SIP) investments.
Lumpsum Investment Calculator
Calculate expected returns on one-time mutual fund or equity investments compounded over time.
Compound Interest Calculator
Calculate compound interest with flexible compounding frequencies (annually, semi-annually, quarterly, monthly, daily) and additional deposits.