India FD Calculator 2025
FD Calculator —
Fixed Deposit Maturity Amount
Calculate exact Fixed Deposit maturity amount and total interest earned. Supports all compounding frequencies and senior citizen rates. Updated for 2025 bank rates.
4 TypesCompounding
Senior CitizenRate included
InstantYear-wise table
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FD Details₹
7.5%
1%15%
% p.a.
3 Years
1 yr10 yrs
Years
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Formula Used
A = P × (1 + r/n)^(n×t)
A = Maturity · P = Principal · r = Annual Rate · n = Compounding/year · t = Years
A = Maturity · P = Principal · r = Annual Rate · n = Compounding/year · t = Years
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Year-wise Projection| Year | Principal | Interest Earned | Maturity Value |
|---|
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FD SummaryMaturity Amount
₹ —
Principal
₹ —
Interest Earned
₹ —
Effective Annual Yield
—
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Top Bank FD Rates 2025| Bank | 1 Yr | 3 Yr | 5 Yr |
|---|---|---|---|
| SBI | 6.8% | 7.0% | 6.5% |
| HDFC Bank | 6.6% | 7.25% | 7.0% |
| ICICI Bank | 6.7% | 7.2% | 7.0% |
| Axis Bank | 6.7% | 7.2% | 7.0% |
| Post Office | 6.9% | 7.1% | 7.5% |
| Unity SFB ⭐ | 9.0% | 9.0% | 8.5% |
*Rates indicative. Senior citizens get +0.25–0.5% extra. Verify with bank before booking.
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Frequently Asked QuestionsHow is FD interest calculated?+
FD uses compound interest: A = P(1+r/n)^(nt). Standard compounding in India is quarterly (n=4). Monthly compounding gives slightly higher returns than quarterly.
Which bank gives highest FD rate in 2025?+
Small finance banks like Unity SFB, Suryoday SFB, ESAF SFB offer 8.5–9.5%. Senior citizens get 0.25–0.5% extra. Post Office offers 7.5% for 5-year FD. Always compare before booking.
Is FD interest taxable?+
Yes — taxed per your income slab. TDS deducted at 10% if annual interest > ₹40,000 (₹50,000 for seniors). Submit Form 15G/15H to avoid TDS if your income is below taxable limit.
What is the difference between cumulative and non-cumulative FD?+
Cumulative FD: interest compounds and is paid at maturity — better for wealth creation. Non-cumulative: interest paid monthly/quarterly as income — better for retired persons needing regular income.
Can I break FD before maturity?+
Yes — premature withdrawal allowed at most banks with 0.5–1% penalty on interest rate. Tax-saving 5-year FDs cannot be broken early. Always check your bank’s premature withdrawal policy.
What is the effective annual yield of FD?+
Effective yield = (Maturity Amount / Principal)^(1/years) − 1. Quarterly compounded 7.5% FD has effective annual yield of ~7.71% — slightly higher than the stated rate.
⚠️ FD rates are indicative for planning only. Actual maturity amount depends on bank’s specific terms. Interest income is taxable as per your income slab.