Fixed Deposit Calculator helps estimate maturity amount, total interest, payout income and real value after inflation. Calculations follow quarterly compounding standards used by Indian banks, with clear separation between cumulative and payout fixed deposits for accurate return expectations.
SBI 6.8%
HDFC 7.25%
ICICI 7.10%
Kotak 7.40%
SF Banks 8.0%
* Rates indicative, not guaranteed. Actual rates depend on bank & date.
🟢 Best for: Wealth Creation
Safety & Confidence Score: 100%
Maturity Value
₹0
General
Total Net Interest
₹0
Yield: 0%
Invested Amount
₹0
Capital Protected
Avg. Monthly Interest (Illustrative)
₹0
Simple average, not actual payout
Avg. Yearly Interest
₹0
Simple annual average
Real Value (Inflation)
₹0
Purchasing power @6% Infl.
FD vs Savings
+₹0
Extra earned over 3% Savings
Equity Lump Sum
vs ₹0
Market linked (Illustrative @12%)
Effective Annual Yield
0%
Actual annual return
Doubling Time (Rule of 72)
— Years
To double your money
Tax Status
—
Deposit Insurance: Bank FDs are insured up to ₹5 Lakh per depositor by DICGC.
Estimated Auto-Renew: If renewed for same tenure (Illustrative – assumes same interest rate), maturity becomes ₹0.
Pro Tip (Laddering): Instead of one large FD, consider splitting into 3-5 smaller FDs across different tenures to improve liquidity.
Inflation Reality: At 6% inflation, prices rise. Your real purchasing power is shown above.
Capital Protection: Even in worst-case renewal scenarios, your principal amount remains 100% protected.
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