Calculator
Fixed Deposit Calculator
What your FD grows to at any bank rate, with quarterly, half-yearly or annual compounding.
dhanmetrics.com · Educational illustration only · Not investment advice
Maturity at year 5
₹1,41,478
That’s 1.41× your deposit
What this means
₹1.0L becomes ₹1.4L in 5 years at 7.0%. Safe and predictable, but inflation usually eats most of the real return on FDs. Worth comparing with PPF (tax-free) or a debt mutual fund (indexation) for longer tenures.
What if you…
Locked it for 10 years instead of 5
₹2.0L
+₹58.7K
Got a 8.0% rate (1% higher)
₹1.5L
+₹7.1K
Compounded monthly instead
₹1.4L
+₹285
Educational illustration. Interest is taxable as per your slab (TDS deducted if > ₹40,000/yr non-senior, ₹50,000/yr senior). Pre-mature withdrawal usually attracts a 0.5–1% penalty.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
Estimate your FD maturity at any bank rate.
Typical Indian FD rates: 6.5–7.5% for general, 7–8% for seniors. Check your bank’s current card rate.
Most Indian banks compound quarterly. More frequent compounding = slightly higher maturity for the same headline rate.
Growth chart