FD Calculator 2026 – Fixed Deposit Maturity Amount Aur Interest Calculate Karo
FD India ki sabse trusted investment hai – guaranteed returns, zero risk, aur simple process. Rs.1 lakh FD mein daalo, 3 saal baad Rs.1,23,000+ milega – koi market ka tension nahi. Lekin FD se maximum faida lena hai toh sahi bank, sahi tenure, aur compounding frequency samajhna zaroori hai. Hamare Finance Adhikar FD Calculator se exact maturity amount calculate karo – quarterly compounding ke saath.
FD Calculator – Quick Results
Interest Rate: 7.25% | Quarterly Compounding
| FD Amount | 1 Year | 3 Years | 5 Years | 7 Years | 10 Years |
|---|---|---|---|---|---|
| Rs.1 Lakh | Rs.1,07,454 | Rs.1,23,920 | Rs.1,43,060 | Rs.1,65,139 | Rs.2,04,745 |
| Rs.2 Lakh | Rs.2,14,908 | Rs.2,47,841 | Rs.2,86,120 | Rs.3,30,278 | Rs.4,09,490 |
| Rs.5 Lakh | Rs.5,37,270 | Rs.6,19,602 | Rs.7,15,300 | Rs.8,25,696 | Rs.10,23,724 |
| Rs.10 Lakh | Rs.10,74,540 | Rs.12,39,203 | Rs.14,30,600 | Rs.16,51,391 | Rs.20,47,448 |
| Rs.25 Lakh | Rs.26,86,349 | Rs.30,98,009 | Rs.35,76,500 | Rs.41,28,478 | Rs.51,18,621 |
Top Banks FD Rates 2026
| Bank | 1 Year | 3 Years | 5 Years | Senior Citizen Extra |
|---|---|---|---|---|
| SBI | 6.80% | 7.00% | 6.50% | +0.50% |
| HDFC Bank | 7.00% | 7.25% | 7.00% | +0.50% |
| ICICI Bank | 7.00% | 7.25% | 7.00% | +0.50% |
| Axis Bank | 7.10% | 7.25% | 7.00% | +0.50-0.75% |
| Small Finance Banks | 7.50-9.00% | 8.00-9.25% | 7.50-8.50% | +0.50% |
FD Pe Tax – TDS Aur Income Tax
- FD interest fully taxable hai – income slab rate pe
- Interest Rs.40,000/year se zyada (Rs.50,000 seniors) pe 10% TDS
- 30% slab mein 7% FD ka post-tax return sirf 4.9% – inflation barely beat karta hai
- Tax-free alternatives: PPF (7.1%), SSY (8.2%) – consider karo
FD vs Other Investments
| Investment | Returns | Risk | Tax | Liquidity |
|---|---|---|---|---|
| FD | 6.5-7.5% | Zero | Slab rate (worst) | Premature penalty |
| PPF | 7.1% | Zero | Tax-free (best) | 15yr lock-in |
| Debt MF | 6-8% | Low | Slab rate | Anytime |
| Equity SIP | 10-15% | Medium | 12.5% LTCG | Anytime |
🔗 Related Calculators
- 👴 Senior Citizen FD – Extra 0.5% rate ka impact
- 📅 RD Calculator – Monthly savings alternative
- ➕ Compound Interest Calculator – Compounding samjho
- 🏛️ PPF Calculator – Tax-free guaranteed returns
- 📈 SIP Calculator – FD vs SIP compare karo
- ✂️ TDS Calculator – FD pe TDS kitna katega
- 💰 Savings Interest – FD vs savings compare
- 💸 SWP Calculator – FD vs SWP for retirement income
❓ Aksar Pooche Jaane Wale Sawaal (FAQ)
Q1. FD cumulative aur non-cumulative mein kya fark hai?
Cumulative FD mein interest reinvest hota hai – maturity pe principal + compound interest milta hai. Wealth building ke liye best. Non-cumulative FD mein interest monthly/quarterly/annually payout hota hai – regular income chahiye toh choose karo (retirees ke liye). Cumulative FD zyada return deta hai kyunki interest pe bhi interest milta hai (compounding). Non-cumulative mein payout hua interest compound nahi hota.
Q2. FD todne pe penalty kitni lagti hai?
Usually 0.5-1% interest rate cut hota hai premature withdrawal pe. Example: 7% FD todi toh 6-6.5% rate milega maturity tak ke period ke liye. Kuch banks minimum lock-in period rakhte hain (7 days-3 months). Small Finance Banks mein penalty thodi zyada ho sakti hai. Sweep-in FD better option hai – auto-break hoti hai zaroorat pe bina penalty ke.
Q3. Small Finance Bank mein FD safe hai?
Haan – DICGC insurance Rs.5 lakh tak cover karti hai per depositor per bank. AU Small Finance Bank, Ujjivan, Equitas sab RBI-regulated hain. Rs.5 lakh se zyada FD karni ho toh multiple banks mein split karo – har bank mein Rs.5 lakh limit ke andar raho. Higher rates attractive hain (8-9%) lekin risk aware raho – DICGC coverage limit yaad rakho.
Q4. FD mein laddering strategy kya hai?
FD Laddering: ek badi FD ki jagah multiple FDs alag tenures mein split karo. Example: Rs.5 lakh hai – Rs.1 lakh each 1yr, 2yr, 3yr, 4yr, 5yr FD. Har saal ek FD mature hoti hai – liquidity milti hai bina penalty ke. Mature hua amount 5yr FD mein renew karo – continuously 5yr rate enjoy karo. Yeh strategy liquidity + best rates dono deta hai.
Q5. FD pe loan le sakte hain?
Haan – FD ke against overdraft (OD) facility milti hai. FD value ka 75-90% loan milta hai. Interest rate FD rate se 1-2% zyada hoti hai. Advantage: FD intact rehti hai aur interest milta rehta hai, loan interest sirf utilized amount pe lagta hai. FD todne se better option hai – premature penalty se bachte ho aur FD ka interest continue rehta hai. Emergency mein FD loan use karo, FD todna avoid karo.
Conclusion – Safe, Simple, Guaranteed
FD India ki sabse safe investment hai – zero risk, guaranteed returns. Short-term goals (1-3 saal), emergency fund parking, aur senior citizens ke liye perfect. Hamare calculator se exact maturity amount check karo aur sahi bank choose karo. Safety first investors ke liye FD = peace of mind! 💪