Fixed Deposit Calculator India 2025
Calculate your FD maturity, interest, and returns instantly for any bank or tenure.
Minimum amount varies by bank (typically ₹1,000)
Current FD rates: 6.5% - 8.5%
Range: 7 days to 10 years
Higher frequency = higher returns
TDS deducted if interest exceeds ₹40,000
Capital Protection
Principal amount is 100% safe and guaranteed
Fixed Returns
Interest rate locked for entire tenure
Flexible Tenure
Choose from 7 days to 10 years based on goals
FD vs RD: Quick Comparison
| Aspect | Fixed Deposit (FD) | Recurring Deposit (RD) |
|---|---|---|
| Investment Type | One-time lump sum deposit | Regular monthly deposits |
| Minimum Amount | ₹1,000 - ₹10,000 (varies by bank) | ₹500 - ₹1,000 per month |
| Interest Rate | 6.5% - 8.5% (higher rates available) | 6.0% - 8.0% (usually 0.25% lower than FD) |
| Flexibility | Fixed amount, one-time commitment | Monthly commitment, builds discipline |
| Premature Withdrawal | Allowed with penalty (0.5-1%) | Allowed with penalty, but affects returns |
| Best For | Lump sum parking, emergency fund | Regular savers, goal-based savings |
| Returns | Higher due to compound interest | Lower due to staggered deposits |
Quick Decision Guide
| Scenario | Choose FD if you... | Choose RD if you... |
|---|---|---|
| Investment Style | Have a lump sum amount available | Want to build a regular savings habit |
| Return Preference | Want maximum returns on your investment | Are saving for a specific goal |
| Commitment | Prefer one-time investment commitment | Prefer disciplined monthly investing |
| Liquidity Need | Don't need monthly liquidity | Have monthly surplus to invest |
Fixed Deposit Calculator FAQs
Everything you need to know about fixed deposits
Need More Help?
Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.
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