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%
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
Government Protection
DICGC insurance covers up to ₹5 lakh per depositor per bank
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 |
Compare FD Rates Across Banks
Calculate Fixed Deposit returns with different banks and find the best rates
Trusted Data Sources
All FD rates are sourced directly from official bank websites for maximum accuracy
Fixed Deposit Calculator FAQs
Everything you need to know about fixed deposits
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