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Calculate your Fixed Deposit maturity value, interest earned, and total returns instantly.
⚠️ Calculations shown are approximate and for illustration purposes only.
Explore FD features, tax implications, safety benefits, and optimization strategies for guaranteed returns.
FDs offer guaranteed returns with capital protection. Unlike market-linked investments, your principal is safe and returns are predetermined at the time of booking.
Cumulative FDs reinvest interest quarterly for higher returns. Non-cumulative FDs pay regular interest monthly, quarterly, or yearly — ideal for income needs.
FD interest is taxable as per your income tax slab. TDS @ 10% is deducted if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
Senior citizens (60+ years) get 0.25% to 0.75% higher interest rates and higher TDS exemption limit of ₹50,000 annually instead of ₹40,000.
Early withdrawal is allowed but attracts penalty (usually 0.5% to 1%) and reduced interest rates as per bank's policy. Plan your liquidity needs accordingly.
Bank FDs are insured up to ₹5 lakh per depositor per bank by DICGC, providing additional safety to your investment beyond the bank's guarantee.
An FD is a deposit where you invest a lump sum for a fixed tenure at a fixed interest rate, earning predictable returns.
Cumulative FDs compound interest quarterly. Non-cumulative FDs pay periodic interest (monthly, quarterly, or yearly).
Yes, but premature withdrawal reduces your interest and may attract a penalty based on the bank’s rules.
Yes. Banks typically offer 0.25%–0.75% higher interest rates for senior citizens.
Cumulative FDs generally offer the highest returns since interest is reinvested quarterly, boosting compounding.
Most banks allow auto-renewal. The new FD starts at the prevailing interest rate on the renewal date.