FD Interest Calculator

FD stands for Fixed Deposit

FD's are most common investment planning widely used by Indian's for future saving in Bank or Post office. In Fixed deposit scheme interest is quarterly compounded. There are many formulas and conditions are applied while calculating interest on FD amount. Different bank's offer different rate of Interest for different - different time period.

A fixed deposit (FD) is a financial instrument provided by banks and financial institutions that allows individuals to deposit funds for a fixed period of time, typically ranging from a few months to several years, at a predetermined interest rate. In a fixed deposit, the deposited amount is locked in for the agreed-upon term, and the depositor receives interest on the principal amount at regular intervals or at the time of maturity. The interest rates for fixed deposits are generally higher than those for savings accounts because the funds are inaccessible for the duration of the deposit term.

सावधि जमा कैलकुलेटर

सावधि जमा (एफडी) बैंकों और वित्तीय संस्थानों द्वारा प्रदान किया गया एक वित्तीय साधन है जो व्यक्तियों को एक निश्चित अवधि के लिए, आमतौर पर कुछ महीनों से लेकर कई वर्षों तक, पूर्व निर्धारित ब्याज दर पर धन जमा करने की अनुमति देता है। सावधि जमा में, जमा राशि निश्चित अवधि के लिए लॉक कर दी जाती है, और जमाकर्ता को नियमित अंतराल पर या परिपक्वता के समय मूल राशि पर ब्याज मिलता है। सावधि जमा पर ब्याज दरें आम तौर पर बचत खातों की तुलना में अधिक होती हैं क्योंकि जमा अवधि की अवधि के दौरान धनराशि उपलब्ध नहीं होती है। सावधि जमा को कम जोखिम वाला निवेश माना जाता है क्योंकि वे गारंटीशुदा रिटर्न प्रदान करते हैं और आम तौर पर एक निश्चित राशि तक बीमा किया जाता है। सरकारों या नियामक निकायों द्वारा प्रदान की जाने वाली जमा बीमा योजनाएँ। वे रूढ़िवादी निवेशकों के बीच लोकप्रिय हैं जो उच्च जोखिम वाले निवेशों पर पूंजी संरक्षण और स्थिर रिटर्न को प्राथमिकता देते हैं।

You can calculate and check the same with below FD Interest calculators. If you break FD before it's mature, banks impose some penalty in form of lower interest. Be careful and acknowledged this from bank in advance, so when ever you stuck in such a situation, you will be prepare in advance and compare policies of various banks.

Want to know how much you can earn interest on specific amount on FD - Fixed Deposit in Bank or Post Office. Here is a online FD interest calculator which gives maturity amount and interest you can earn with various methods of interest compounding like -

1. Simple Interest
2. Compound Annually Interest
3. Compound Semi Annually Interest
4. Compound Quarterly Interest
5. Compound Monthly Interest

Tax Treatment on Fixed Deposits

There are two types of Fixed deposits

A. Fixed Deposit

In normal fixed deposit you have to pay tax on interest as per your income tax slab. There is no rebate in income tax. TDS is also deducted as per law for FD's. FD's are classified in "TTT" category. You have to pay tax for principle amount, for interest earned and for maturity amount also.

B. Tax Saving Fixed Deposit

There are Tax Saving FD are also available under Section 80c, in which you will get tax rebate for principle amount upto 1,50,000 (INR) in a financial year. Whatever interest you earned with Tax saving FD will attract tax as per your slab.

These Tax saving FD has a fixed 5 year period also. You can't break them in between. Tax saving FD's are classified under "ETT" category. Means only Investment is tax free, earned interest and maturity is not tax free.

See Also:

1. Age Calculator

2. Interest Calculator

3. Recurring Deposit (RD) Calculator

4. BMI Calculator

5. PPF Calculator

6. EMI Calculator