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Fixed Deposit (FD) Calculator

Fixed Deposit (FD) Calculator

Calculate maturity amount and interest earned on bank & corporate fixed deposits.

All Calculators
Principal
₹1,00,000
Interest Earned
₹41,478
Maturity Value
₹1,41,478

FD Maturity Progression

About Fixed Deposit (FD)

Fixed Deposits (FDs) are one of India’s most trusted fixed-income savings instruments offered by commercial banks, corporate entities, and post offices. They provide guaranteed returns at a fixed interest rate over a chosen tenure. 🏦🛡️

Bank FDs enjoy protection guaranteed by the Deposit Insurance and Credit Guarantee Corporation (DICGC), a wholly-owned subsidiary of the Reserve Bank of India (RBI), insuring deposits up to ₹5 Lakhs per bank per depositor. 🤝

FD Compounding Formula

FD interest is compounded periodically (quarterly, monthly, half-yearly, or yearly):

A = P × (1 + r / n)^(n × t)
  • A = Maturity value
  • P = Principal deposit amount
  • r = Annual rate of interest (%)
  • n = Compounding frequency per year (e.g. 4 for quarterly)
  • t = Number of years
How Our FD Calculator Helps You:
  • Instant Interest Calculations: Calculate total interest earned and exact maturity proceeds.
  • Rate Comparison: Compare interest payouts across quarterly vs monthly compounding frequencies.
  • Goal Security: Plan capital preservation for short-term financial needs.
Calculator Disclaimer — One Source Financial Services (ARN: 48230)

This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.