FD Maturity Calculator (India) — Quarterly, Monthly, Yearly Compounding

Free FD maturity calculator. Enter principal, interest rate and tenure — get exact maturity amount. Defaults to quarterly compounding (the Indian bank standard). Compare across banks instantly.

FD Maturity Calculator

Principal

₹

Interest rate (%)

Tenure (years)

Compounding

Maturity amount

₹1,41,478

Interest earned

₹41,478

5-year tax-saving FDs qualify under Section 80C (up to ₹1.5L). Interest is fully taxable as per your slab. Most banks compound quarterly.

💡

5-yr tax-saving FD locks money for liquidity-poor returns. PPF (7.1%) and ELSS often beat 5-yr FD net of tax.

About this tool

How FD interest is compounded

Most Indian banks compound FD interest quarterly: Maturity = P × (1 + r/4)^(4t). A few offer monthly compounding (slightly higher), and some senior-citizen schemes use yearly compounding (slightly lower).

5-year tax-saving FDs

If you book a 5-year tax-saving FD, the deposit is eligible for Section 80C deduction up to ₹1.5L. The catch: lock-in is 5 years (no premature withdrawal), and the interest is fully taxable at slab rate.

FD vs PPF vs RD — quick math

For a 30%-slab earner, a 7% FD earns 4.9% post-tax. PPF's 7.1% is tax-free → equivalent to a 10.1% taxable return. Open the PPF tab to compare for your numbers.

How to use the FD Maturity Calculator (India)

Takes about a minute. No signup, no download, your data stays in your browser.

1
Open the tool. Scroll up to the FD Maturity Calculator (India) above — it loads instantly in your browser, no install needed.
2
Enter your values. The fields come pre-filled with realistic defaults so you can see how it works — replace them with your own numbers.
3
Read the result. The output updates instantly. Copy or share it — nothing is uploaded to a server, everything stays on your device.

Frequently asked questions

Common questions about the FD Maturity Calculator (India).

Is the FD Maturity Calculator (India) free to use?

Yes. The FD Maturity Calculator (India)on 7BusyBoss is completely free — no signup, no paywall, no usage cap.

Do I need to sign up to use the FD Maturity Calculator (India)?

No. The FD Maturity Calculator (India)works instantly in your browser — no account needed. Signing in with Google is optional and only unlocks features like saving favorites and higher AI build limits.

Does the FD Maturity Calculator (India) work on mobile?

Yes. Every tool on 7BusyBoss is mobile-responsive and works in any modern browser — Chrome, Safari, Firefox, Edge — on phones, tablets and desktops.

Is my data safe when I use the FD Maturity Calculator (India)?

Yes. The FD Maturity Calculator (India)runs entirely in your browser — your inputs never leave your device unless the tool explicitly fetches public data (e.g. currency rates). We don't store the values you type.

FD Maturity Calculator (India) — Quarterly, Monthly, Yearly Compounding