Fixed Deposit Calculator
Estimate maturity value, interest earned, and effective yield for your fixed deposits.
Rupees one lakh only
1% – 20%
Adjust between 9 months and 5 years (60 months) • 12 months (1.0 years)
12 months (1.0 years)
Ready to plan your fixed deposit?
Fill the inputs and tap "Calculate Fixed Deposit" to see your maturity value.
Understand how fixed deposits grow, compare compounding options, and track effective yields across banks.
What is a Fixed Deposit?
A fixed deposit (FD) locks your money for a chosen tenure at a guaranteed interest rate. Banks pay interest monthly, quarterly, or at maturity depending on the plan.
Compounding Options
FDs can compound monthly, quarterly, half-yearly, or annually. More frequent compounding slightly boosts effective yield, especially for tenures above 12 months.
Effective Annual Yield
The effective yield converts your FD into a yearly return so you can compare different banks and compounding schedules on a like-for-like basis.
- Check the latest FD rates from top banks before locking your money
- Match FD tenure with your liquidity needs—use sweep FDs for emergencies
- Compare cumulative vs. non-cumulative FDs to align with your income goals
- Split large deposits across banks to stay within insurance limits
Fixed Deposit Disclaimer
Bank FD interest rates can change without prior notice and may vary by customer profile. Confirm the latest rate, compounding frequency, and premature withdrawal penalties with your bank before investing.
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