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Personal FinanceIndividual
FD / RD Maturity Calculator
Fixed Deposit or Recurring Deposit maturity with quarterly compounding (as per bank convention).
Your inputs
₹5,00,000
₹
Lump sum for FD, monthly for RD
Result
- Total invested
- ₹5,00,000
- Interest earned
- ₹2,07,389
- Maturity value
- ₹7,07,389
Reviewed by CA team
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- Quarterly compounding — standard for Indian banks.
- Interest is fully taxable as Income from Other Sources; TDS at 10% if > ₹40,000 (₹50,000 for seniors).
Invested vs interest
How this is calculated
Reviewed by CA teamQuarterly rate q = rate ÷ 4 ÷ 100 FD: Maturity = Amount × (1 + q)^(years × 4) RD: Maturity = Σ (Monthly × (1 + q)^(remaining months ÷ 3)) for each of the 'years × 12' monthly deposits.
Frequently asked questions
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