Fixed Deposit (FD) Calculator
Calculate your exact FD maturity amount with quarterly compounding. See how safe investments grow over time.
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FD Calculator India: Check Your Fixed Deposit Maturity Amount (2026)
🏦 2026 Safety Hack: Don’t just chase the highest interest rate! While Small Finance Banks (SFBs) and NBFCs offer 8.5% to 9% FD rates compared to the Big Banks’ 7%, remember the DICGC Rule. In India, your bank deposits (including principal and interest) are insured only up to ₹5,00,000 per bank. If you have a large corpus, split your FDs across multiple banks to ensure 100% government-backed safety.
The Fixed Deposit (FD) remains the most trusted and secure investment vehicle for millions of Indians. Whether you are parking your emergency fund, saving for a short-term goal, or securing a guaranteed income for your parents, an FD offers zero market risk. Our India FD Calculator uses the standard banking formula (quarterly compounding) to help you accurately predict your maturity amount and total interest earned over any tenure—from 7 days to 10 years.
How to Use the Fixed Deposit Calculator
Get an exact estimate of your guaranteed returns by following these steps:
- Enter the Deposit Amount (Principal): This is the initial one-time amount you plan to deposit in the bank (e.g., ₹1,00,000).
- Input the Interest Rate: Check your bank’s latest 2026 FD rates. Pro Tip: Senior Citizens (above 60 years) usually get an additional 0.50% to 0.75% interest. Make sure to input the higher rate if you are investing in your parents’ name.
- Select the Tenure: Enter the time period in months or years. Banks often have “Special Tenure” FDs (like 400 days or 333 days) that offer higher interest rates.
- Compounding Frequency: In India, most banks compound FD interest Quarterly (every 3 months). Our calculator uses this as the default setting for pinpoint accuracy.