🏧 Investment Tools

FD Calculator — Fixed Deposit Maturity 2025

FD कैलकुलेटर — कितना मिलेगा मैच्योरिटी पर?

Calculate FD maturity amount, total interest earned with any compounding frequency.

🏧 FD Details

₹1K₹1Cr
1%15%
1 month10 years

🏦 Current FD Rates (2025 approx.)

Click a rate to auto-fill calculator. Rates change — verify with bank.

Bank1-2 Year3-5 YearSenior Citizen
SBI6.80%6.50%7.30%
HDFC Bank7.00%7.00%7.50%
ICICI Bank6.90%7.00%7.40%
Axis Bank7.10%7.00%7.60%
Post Office6.90%7.50%—
Small Finance Banks8.50%+9.00%+9.50%+
Maturity Amount
₹0
after 2 years
₹0
Principal
₹0
Interest Earned
0%
Effective Rate
0%
Total Gain
Principal vs Interest
Principal
Interest
Principal
Interest

Fixed Deposit — Key Facts for Indian Investors

FD Formula: Maturity = P × (1 + r/n)^(n×t) where P = Principal, r = annual rate, n = compounding frequency per year, t = time in years.

Tax on FD Interest: FD interest is fully taxable as per your income tax slab. Banks deduct TDS at 10% if interest exceeds ₹40,000/year (₹50,000 for senior citizens). If your total income is below taxable limit, submit Form 15G/15H to avoid TDS.

Senior Citizen FDs: Banks offer 0.25% to 0.75% extra interest for senior citizens (age 60+). Always check the senior citizen rate separately.

Best FD rates: Small Finance Banks and NBFCs often offer higher rates (8-9%+) but have lower DICGC insurance limit than scheduled commercial banks. DICGC insures up to ₹5 lakh per bank.