FD Calculator
Maturity value of a cumulative fixed deposit, compounded quarterly as Indian banks do. The rate is fixed the day you open it and does not move.
Maturity value
₹1,41,478
after 5 years at the return you assumed
You invest
₹1,00,000
Estimated gains
₹41,478
Absolute return
41.5%
total gain on money in
Annualised (CAGR)
7.19%
money held throughout
How it builds up
- Invested70.7%
- Gains29.3%
Maturity value
₹1,41,478
Gains
₹41.5 K
What the number above does not tell you
A maturity figure is only half the picture. These are the terms attached to it.
- Risk
- No market risk
- Guaranteed by
- Contractual rate from the bank; deposits insured by DICGC up to ₹5 lakh per bank per depositor
- Lock-in
- Until maturity — premature withdrawal usually carries a rate penalty
- Liquidity
- Moderate — breakable, at a cost
- Tax treatment
- Interest taxed at your income-tax slab rate. TDS applies above the annual threshold.
Worth weighing before you commit
- Interest is taxable at your slab rate, so a 7% FD returns roughly 4.9% after tax in the 30% bracket.
- If inflation runs above your post-tax return, the deposit loses purchasing power despite the balance rising.
- DICGC insurance covers ₹5 lakh per bank per depositor — spread larger sums across banks.
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Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.