RBI Term Deposit Engine · Quarterly Compounding Standard · 100% Zero Bias

FD Calculator: Maturity & Monthly Income

Quarterly compounding se FD maturity aur gross monthly ya quarterly interest income estimate karein. Actual bank payout rate discounted ho sakti hai.

Deposit Amount

₹

₹1,00,000

₹10 K₹1 Cr

Presets:

Interest Rate (% p.a.)

3 %12 %

Presets:

Tenure (Years)

1 Yr10 Yr

Presets:

Compounding Frequency & Benefits

Compounding Frequency:

Quarterly (Standard)RBI Standard

MonthlyCompounding model

YearlyCompounding model

Senior Citizen (+0.50%)Eligible for investors aged 60 and above

7.00% p.a.

Total Amount Payable

₹1,23,144

Deposit period: 3 Years (36 Months)

Principal Amount₹1,00,000

Total Interest₹23,144

Total Maturity ValuePrincipal + Compounded Interest

₹1,23,144

Indicative FD Interest Income

Gross monthly estimate₹583

Gross quarterly estimate₹1,750

Simple gross estimate: deposit × annual rate ÷ 12 ya 4. Bank actual monthly payout discount kar sakta hai ya alag terms laga sakta hai; yeh estimate cumulative maturity se separate hai.

Maturity Value₹1,23,144

Principal Amount

₹1,00,000(81%)

Total Interest

₹23,144(19%)

Tenure Horizon Comparison Matrix

See how compounding interest accelerates maturity value across standard bank deposit tenures.

Tenure	Principal	Interest Earned	Maturity Value	Effective Yield

Cumulative FD: Quarterly Compounding

Zyadatar cumulative bank FDs me interest quarterly compound hota hai aur maturity par accumulated payout milta hai. Regular payout FDs alag hoti hain; upar diye gaye figures indicative estimates hain, bank quotes nahi.

Senior Citizen Advantage

Banks senior citizens ko interest rate premium offer karte hain (commonly +0.50%). Yeh calculator 0.50% addition assume karta hai; exact rates ke liye bank ka current schedule check karein.

TDS & Tax Rules

FD interest income tax slab ke hisaab se taxable hai. Ek financial year me aggregate bank interest ₹50,000 (senior citizens ke liye ₹1,00,000) cross karne par bank-wide TDS deduct hota hai.

Frequently Asked Questions

Indian banks me Fixed Deposit (FD) interest kaise compound hota hai?

RBI guidelines ke mutabik Indian banks cumulative FDs par quarterly (har 3 months me) interest compound karte hain, formula: A = P * (1 + r/4)^(4*t).

Kya India me FD interest income taxable hoti hai?

FD interest applicable tax slab ke hisaab se taxable hota hai. Bank time deposits par ek financial year mein bank se paid ya credited interest ₹50,000 se zyada ho toh generally TDS lagta hai (resident senior citizens ke liye ₹1,00,000). Threshold poore bank ke liye hota hai, har branch ke liye alag nahi; TDS tax credit hai, final tax nahi.

Kya FD ko maturity se pehle withdraw kar sakte hain?

Haan, regular bank FDs me premature withdrawal allowed hota hai par applicable interest rate par 0.5% se 1.0% penalty lagti hai. 5-year Tax Saving FDs par compulsory 5 saal ka lock-in hota hai.