Fixed Deposits
How to calculate FD maturity
Enter the deposit, annual rate, tenure and compounding frequency, then compare maturity with principal to see estimated interest.
Inputs to verify
Check whether the rate is annual, whether the tenure includes months, and whether interest is compounded monthly, quarterly, half-yearly or yearly.
Maturity versus interest
Maturity is the total at the end of tenure. Estimated interest is maturity less the initial principal; it should not be confused with a periodic payout.
Before acting
Premature withdrawal can reduce the effective return or attract a penalty. Tax treatment including TDS depends on current rules and individual circumstances; confirm with the bank and applicable guidance.
How to check an FD estimate
For a cumulative FD, calculate A = P × (1 + r/n)^(n × t). With ₹5,00,000 at 7.25% for five years and quarterly compounding, the result is about ₹7,16,130; estimated interest is about ₹2,16,130. Use the bank's maturity advice when its tenure or day-count convention differs.
This guide is for general education. Rules, lender terms, bank terms and individual circumstances can change the result.
Use the relevant calculatorFrequently asked questions
Is the maturity result a bank quote?
No. It is a compound-interest estimate based on the entered inputs; product terms can change actual proceeds.
Does this calculator include TDS or early-withdrawal effects?
No. Check the bank's terms and current applicable tax rules for those details.