Fixed Deposits (FD) और Recurring Deposits (RD) India के सबसे popular savings instruments हैं।
FD/RD Maturity तुरंत Calculate करें
Amount, rate, tenure enter करें।
FD Maturity कैसे Calculate होता है
Maturity = P × (1 + r/4)^(4×t)₹5L, 7.5%, 3 years → ₹6,25,226। Simple interest: ₹6,12,500 — compounding ₹12,726 extra देता है।
Bank FD Rates (2026)
| Bank | 1 Year | 3 Years | 5 Years |
|---|---|---|---|
| SBI | 6.80% | 7.00% | 6.50% |
| HDFC | 6.60% | 7.10% | 7.00% |
| Post Office | 6.90% | 7.10% | 7.50% |
| Small Finance | 7.5-8.5% | 7.5-8.0% | 7.5-8.0% |
FD पर TDS
Interest < ₹40,000/year (seniors ₹50,000): No TDS। Above: 10% TDS (PAN)। FD interest fully taxable at slab rate।
7.5% FD 30% bracket = 5.25% after tax। PPF 7.1% tax-free = actually better!
FD vs PPF vs Debt Funds
| Feature | FD | PPF | Debt MF |
|---|---|---|---|
| Rate | 6.5-8.5% | 7.1% | 7-9% |
| Tax | Slab rate | Tax-free | Slab rate |
| Lock-in | Flexible | 15 years | None |
How to Use the Tool (Step by Step)
- 1
Calculator खोलें
ToolsArena पर visit करें।
- 2
FD/RD choose करें
Mode select करें।
- 3
Details enter करें
Amount, rate, tenure fill करें।
- 4
Maturity देखें
Maturity amount और interest breakdown देखें।
Frequently Asked Questions
Indian banks FD interest कैसे calculate करते हैं?+−
Quarterly compounding: Maturity = P × (1+r/4)^(4×t)।
FD interest पर TDS कब लगता है?+−
₹40,000+ interest/year (seniors ₹50,000+)। 10% TDS PAN हो तो, 20% बिना PAN।
FD vs PPF — कौन better?+−
20-30% tax bracket में PPF (7.1% tax-free) beats FD (7.5% taxable = 5.25% after tax)।
Small finance bank FDs safe हैं?+−
₹5L तक DICGC insured — risk comparable to large banks। Rates 0.5-1.5% higher।
FD early break penalty?+−
ज़्यादातर banks 0.5-1% lower rate + flat penalty।
FD/RD Maturity तुरंत Calculate करें
Amount, rate, tenure enter करें।
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