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FD Calculator — Fixed Deposit Maturity & Interest Calculator

Calculate Fixed Deposit maturity amount with quarterly compounding — the standard used by all Indian banks. Includes TDS insights and bank comparisons.

A = P × (1 + r/n)^(n×t)
₹
₹1,000 ₹10 Crore
Years
1 Year 10 Years
%
1% 15%

Most Indian banks compound quarterly

Maturity Amount

₹0

after 3 years

Principal

₹0

Interest Earned

₹0

Effective Annual Yield

0%

after quarterly compounding

Principal Interest
80% 20%

What is a Fixed Deposit?

A Fixed Deposit (FD) is a financial instrument offered by banks and NBFCs where you deposit a lump sum for a fixed period at a pre-agreed interest rate. The interest is compounded (usually quarterly) and paid at maturity.

  • Guaranteed Returns

    Rate locked at booking — market fluctuations don't affect your FD

  • DICGC Insurance

    Deposits up to ₹5 lakh insured by Deposit Insurance and Credit Guarantee Corporation

  • Tax-Saving FD

    5-year FDs qualify for ₹1.5L deduction under Section 80C — but have lock-in

FD Formula Explained

A = P × (1 + r/n)^(n × t)

A = Maturity amount (₹)
P = Principal deposited (₹)
r = Annual interest rate (as decimal)
n = Compounding frequency (4 = quarterly)
t = Time in years

Example: ₹1L, 7.5% quarterly, 3 years → ₹1,24,972 maturity

All FD Calculations

Maturity amounts for common deposit sizes, tenures, and interest rates (quarterly compounding)

₹10,000 Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹10,666 +₹666 interest → ₹10,719 +₹719 interest → ₹10,771 +₹771 interest → ₹10,824 +₹824 interest → ₹10,931 +₹931 interest →
2 Years ₹11,376 +₹1,376 interest → ₹11,489 +₹1,489 interest → ₹11,602 +₹1,602 interest → ₹11,717 +₹1,717 interest → ₹11,948 +₹1,948 interest →
3 Years ₹12,134 +₹2,134 interest → ₹12,314 +₹2,314 interest → ₹12,497 +₹2,497 interest → ₹12,682 +₹2,682 interest → ₹13,060 +₹3,060 interest →
5 Years ₹13,804 +₹3,804 interest → ₹14,148 +₹4,148 interest → ₹14,499 +₹4,499 interest → ₹14,859 +₹4,859 interest → ₹15,605 +₹5,605 interest →
7 Years ₹15,704 +₹5,704 interest → ₹16,254 +₹6,254 interest → ₹16,823 +₹6,823 interest → ₹17,410 +₹7,410 interest → ₹18,645 +₹8,645 interest →

₹25,000 Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹26,665 +₹1,665 interest → ₹26,796 +₹1,796 interest → ₹26,928 +₹1,928 interest → ₹27,061 +₹2,061 interest → ₹27,327 +₹2,327 interest →
2 Years ₹28,441 +₹3,441 interest → ₹28,722 +₹3,722 interest → ₹29,006 +₹4,006 interest → ₹29,291 +₹4,291 interest → ₹29,871 +₹4,871 interest →
3 Years ₹30,335 +₹5,335 interest → ₹30,786 +₹5,786 interest → ₹31,243 +₹6,243 interest → ₹31,706 +₹6,706 interest → ₹32,651 +₹7,651 interest →
5 Years ₹34,510 +₹9,510 interest → ₹35,369 +₹10,369 interest → ₹36,249 +₹11,249 interest → ₹37,149 +₹12,149 interest → ₹39,013 +₹14,013 interest →
7 Years ₹39,260 +₹14,260 interest → ₹40,635 +₹15,635 interest → ₹42,057 +₹17,057 interest → ₹43,526 +₹18,526 interest → ₹46,614 +₹21,614 interest →

₹50,000 Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹53,330 +₹3,330 interest → ₹53,593 +₹3,593 interest → ₹53,857 +₹3,857 interest → ₹54,122 +₹4,122 interest → ₹54,654 +₹4,654 interest →
2 Years ₹56,882 +₹6,882 interest → ₹57,444 +₹7,444 interest → ₹58,011 +₹8,011 interest → ₹58,583 +₹8,583 interest → ₹59,742 +₹9,742 interest →
3 Years ₹60,670 +₹10,670 interest → ₹61,572 +₹11,572 interest → ₹62,486 +₹12,486 interest → ₹63,412 +₹13,412 interest → ₹65,302 +₹15,302 interest →
5 Years ₹69,021 +₹19,021 interest → ₹70,739 +₹20,739 interest → ₹72,497 +₹22,497 interest → ₹74,297 +₹24,297 interest → ₹78,025 +₹28,025 interest →
7 Years ₹78,521 +₹28,521 interest → ₹81,271 +₹31,271 interest → ₹84,113 +₹34,113 interest → ₹87,051 +₹37,051 interest → ₹93,227 +₹43,227 interest →

₹1 Lakh Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹1,06,660 +₹6,660 interest → ₹1,07,186 +₹7,186 interest → ₹1,07,714 +₹7,714 interest → ₹1,08,243 +₹8,243 interest → ₹1,09,308 +₹9,308 interest →
2 Years ₹1,13,764 +₹13,764 interest → ₹1,14,888 +₹14,888 interest → ₹1,16,022 +₹16,022 interest → ₹1,17,166 +₹17,166 interest → ₹1,19,483 +₹19,483 interest →
3 Years ₹1,21,341 +₹21,341 interest → ₹1,23,144 +₹23,144 interest → ₹1,24,972 +₹24,972 interest → ₹1,26,824 +₹26,824 interest → ₹1,30,605 +₹30,605 interest →
5 Years ₹1,38,042 +₹38,042 interest → ₹1,41,478 +₹41,478 interest → ₹1,44,995 +₹44,995 interest → ₹1,48,595 +₹48,595 interest → ₹1,56,051 +₹56,051 interest →
7 Years ₹1,57,042 +₹57,042 interest → ₹1,62,541 +₹62,541 interest → ₹1,68,226 +₹68,226 interest → ₹1,74,102 +₹74,102 interest → ₹1,86,454 +₹86,454 interest →

₹2 Lakh Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹2,13,320 +₹13,320 interest → ₹2,14,372 +₹14,372 interest → ₹2,15,427 +₹15,427 interest → ₹2,16,486 +₹16,486 interest → ₹2,18,617 +₹18,617 interest →
2 Years ₹2,27,528 +₹27,528 interest → ₹2,29,776 +₹29,776 interest → ₹2,32,044 +₹32,044 interest → ₹2,34,332 +₹34,332 interest → ₹2,38,966 +₹38,966 interest →
3 Years ₹2,42,682 +₹42,682 interest → ₹2,46,288 +₹46,288 interest → ₹2,49,943 +₹49,943 interest → ₹2,53,648 +₹53,648 interest → ₹2,61,210 +₹61,210 interest →
5 Years ₹2,76,084 +₹76,084 interest → ₹2,82,956 +₹82,956 interest → ₹2,89,990 +₹89,990 interest → ₹2,97,189 +₹97,189 interest → ₹3,12,102 +₹1,12,102 interest →
7 Years ₹3,14,084 +₹1,14,084 interest → ₹3,25,083 +₹1,25,083 interest → ₹3,36,452 +₹1,36,452 interest → ₹3,48,205 +₹1,48,205 interest → ₹3,72,909 +₹1,72,909 interest →

₹5 Lakh Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹5,33,301 +₹33,301 interest → ₹5,35,930 +₹35,930 interest → ₹5,38,568 +₹38,568 interest → ₹5,41,216 +₹41,216 interest → ₹5,46,542 +₹46,542 interest →
2 Years ₹5,68,819 +₹68,819 interest → ₹5,74,441 +₹74,441 interest → ₹5,80,111 +₹80,111 interest → ₹5,85,830 +₹85,830 interest → ₹5,97,416 +₹97,416 interest →
3 Years ₹6,06,704 +₹1,06,704 interest → ₹6,15,720 +₹1,15,720 interest → ₹6,24,858 +₹1,24,858 interest → ₹6,34,121 +₹1,34,121 interest → ₹6,53,025 +₹1,53,025 interest →
5 Years ₹6,90,210 +₹1,90,210 interest → ₹7,07,389 +₹2,07,389 interest → ₹7,24,974 +₹2,24,974 interest → ₹7,42,974 +₹2,42,974 interest → ₹7,80,255 +₹2,80,255 interest →
7 Years ₹7,85,210 +₹2,85,210 interest → ₹8,12,706 +₹3,12,706 interest → ₹8,41,131 +₹3,41,131 interest → ₹8,70,512 +₹3,70,512 interest → ₹9,32,272 +₹4,32,272 interest →

₹10 Lakh Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹10,66,602 +₹66,602 interest → ₹10,71,859 +₹71,859 interest → ₹10,77,136 +₹77,136 interest → ₹10,82,432 +₹82,432 interest → ₹10,93,083 +₹93,083 interest →
2 Years ₹11,37,639 +₹1,37,639 interest → ₹11,48,882 +₹1,48,882 interest → ₹11,60,222 +₹1,60,222 interest → ₹11,71,659 +₹1,71,659 interest → ₹11,94,831 +₹1,94,831 interest →
3 Years ₹12,13,408 +₹2,13,408 interest → ₹12,31,439 +₹2,31,439 interest → ₹12,49,716 +₹2,49,716 interest → ₹12,68,242 +₹2,68,242 interest → ₹13,06,050 +₹3,06,050 interest →
5 Years ₹13,80,420 +₹3,80,420 interest → ₹14,14,778 +₹4,14,778 interest → ₹14,49,948 +₹4,49,948 interest → ₹14,85,947 +₹4,85,947 interest → ₹15,60,509 +₹5,60,509 interest →
7 Years ₹15,70,419 +₹5,70,419 interest → ₹16,25,413 +₹6,25,413 interest → ₹16,82,261 +₹6,82,261 interest → ₹17,41,024 +₹7,41,024 interest → ₹18,64,545 +₹8,64,545 interest →

₹25 Lakh Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹26,66,504 +₹1,66,504 interest → ₹26,79,648 +₹1,79,648 interest → ₹26,92,840 +₹1,92,840 interest → ₹27,06,080 +₹2,06,080 interest → ₹27,32,708 +₹2,32,708 interest →
2 Years ₹28,44,097 +₹3,44,097 interest → ₹28,72,204 +₹3,72,204 interest → ₹29,00,554 +₹4,00,554 interest → ₹29,29,148 +₹4,29,148 interest → ₹29,87,078 +₹4,87,078 interest →
3 Years ₹30,33,519 +₹5,33,519 interest → ₹30,78,598 +₹5,78,598 interest → ₹31,24,291 +₹6,24,291 interest → ₹31,70,604 +₹6,70,604 interest → ₹32,65,125 +₹7,65,125 interest →
5 Years ₹34,51,049 +₹9,51,049 interest → ₹35,36,945 +₹10,36,945 interest → ₹36,24,870 +₹11,24,870 interest → ₹37,14,868 +₹12,14,868 interest → ₹39,01,273 +₹14,01,273 interest →
7 Years ₹39,26,048 +₹14,26,048 interest → ₹40,63,532 +₹15,63,532 interest → ₹42,05,653 +₹17,05,653 interest → ₹43,52,561 +₹18,52,561 interest → ₹46,61,362 +₹21,61,362 interest →

₹50 Lakh Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹53,33,008 +₹3,33,008 interest → ₹53,59,295 +₹3,59,295 interest → ₹53,85,679 +₹3,85,679 interest → ₹54,12,161 +₹4,12,161 interest → ₹54,65,417 +₹4,65,417 interest →
2 Years ₹56,88,195 +₹6,88,195 interest → ₹57,44,409 +₹7,44,409 interest → ₹58,01,108 +₹8,01,108 interest → ₹58,58,297 +₹8,58,297 interest → ₹59,74,156 +₹9,74,156 interest →
3 Years ₹60,67,038 +₹10,67,038 interest → ₹61,57,197 +₹11,57,197 interest → ₹62,48,582 +₹12,48,582 interest → ₹63,41,209 +₹13,41,209 interest → ₹65,30,250 +₹15,30,250 interest →
5 Years ₹69,02,099 +₹19,02,099 interest → ₹70,73,891 +₹20,73,891 interest → ₹72,49,740 +₹22,49,740 interest → ₹74,29,737 +₹24,29,737 interest → ₹78,02,546 +₹28,02,546 interest →
7 Years ₹78,52,097 +₹28,52,097 interest → ₹81,27,064 +₹31,27,064 interest → ₹84,11,306 +₹34,11,306 interest → ₹87,05,121 +₹37,05,121 interest → ₹93,22,725 +₹43,22,725 interest →

₹1 Crore Deposit

Tenure @ 6.5% p.a. @ 7% p.a. @ 7.5% p.a. @ 8% p.a. @ 9% p.a.
1 Year ₹1,06,66,016 +₹6,66,016 interest → ₹1,07,18,590 +₹7,18,590 interest → ₹1,07,71,359 +₹7,71,359 interest → ₹1,08,24,322 +₹8,24,322 interest → ₹1,09,30,833 +₹9,30,833 interest →
2 Years ₹1,13,76,390 +₹13,76,390 interest → ₹1,14,88,818 +₹14,88,818 interest → ₹1,16,02,217 +₹16,02,217 interest → ₹1,17,16,594 +₹17,16,594 interest → ₹1,19,48,311 +₹19,48,311 interest →
3 Years ₹1,21,34,076 +₹21,34,076 interest → ₹1,23,14,393 +₹23,14,393 interest → ₹1,24,97,164 +₹24,97,164 interest → ₹1,26,82,418 +₹26,82,418 interest → ₹1,30,60,500 +₹30,60,500 interest →
5 Years ₹1,38,04,198 +₹38,04,198 interest → ₹1,41,47,782 +₹41,47,782 interest → ₹1,44,99,480 +₹44,99,480 interest → ₹1,48,59,474 +₹48,59,474 interest → ₹1,56,05,092 +₹56,05,092 interest →
7 Years ₹1,57,04,194 +₹57,04,194 interest → ₹1,62,54,129 +₹62,54,129 interest → ₹1,68,22,611 +₹68,22,611 interest → ₹1,74,10,242 +₹74,10,242 interest → ₹1,86,45,450 +₹86,45,450 interest →

Fixed Deposits in India — Key Facts

India has over ₹200 lakh crore in bank deposits, with FDs being the most popular savings instrument. As of 2025, major bank FD rates range from 6.5–7.5%, while small finance banks offer up to 9%.

Senior Citizen FD: Banks offer 0.25–0.5% higher rates for customers aged 60+. This can significantly impact returns on large FD amounts.

Tax-saving FD (Section 80C): 5-year FDs qualify for tax deduction up to ₹1.5L per year. However, the interest earned is fully taxable, and premature withdrawal is not permitted.