Loading…
Loading…
Loading…
Find the maturity amount and total interest on a fixed deposit for any principal, rate, tenure and compounding frequency.
Last updated 27 August 2026
Maturity value
₹1,41,478
Interest earned
₹41,478
The lump sum you deposit.
The annual interest rate the bank offers and the deposit term.
Most Indian banks compound quarterly. The maturity value and interest are shown instantly.
M = P × (1 + r ÷ (100 × f)) ^ (f × t)
Quarterly compounding means f = 4 and 20 periods over 5 years, each adding 7 ÷ 4 = 1.75%. ₹1,00,000 × 1.0175^20 ≈ ₹1,41,478.
No. Banks deduct TDS if interest exceeds the annual threshold and you have not submitted Form 15G/15H. The calculator shows gross interest; subtract applicable tax yourself.
Use whatever your bank states. Cumulative FDs in India almost always compound quarterly.
Yes. Once booked, the rate is locked for the tenure regardless of later rate changes — that is the point of a fixed deposit.
Breaking an FD early usually attracts a penalty (often 0.5–1% lower rate). This calculator assumes the deposit runs to maturity.
This calculator provides estimates for general information only. Results are mathematical calculations based on the figures you enter and standard formulas. Actual bank, loan, deposit and investment products may differ due to fees, rounding conventions, day-count methods and changing rates and rules. Projected investment returns are not guaranteed and you may get back less than you invest. Nothing here is financial, tax or investment advice — verify the actual terms with the relevant institution or a qualified adviser before making a decision. See our full disclaimer.