FD / RD Calculator
FIXED DEPOSIT
Maturity Value
₹1,00,000
7.10%
5 Years
Standard FD interest is compounded quarterly as per RBI guidelines.
MATURITY VALUE
1,41,478
₹1,00,000 grows over 5 years.
Total
₹1,41,478
₹1,00,000
70.7%
₹41,478
29.3%
Principal
₹1,00,000
Interest Earned
₹41,478
Effective Annual Yield
7.28%
Monthly Interest
₹691
Total Tenure
5 Years
PAYOUT FD
Interest Payout
₹5,00,000
7.10%
5 Years
Non-cumulative FD: Interest is paid out periodically. Principal is returned at maturity.
INTEREST PER PAYOUT
8,875
Quarterly interest payout for 5 years.
Returned
₹6,77,500
₹5,00,000
73.8%
₹1,77,500
26.2%
Total Interest
₹1,77,500
Total Payout Received
₹1,77,500
Number of Payouts
20
Annual Interest
₹35,500
Principal Returned at Maturity
₹5,00,000
RECURRING DEPOSIT
Monthly Deposit
₹10,000
7.10%
5 Years
RD interest is compounded quarterly in most Indian banks. Each monthly instalment earns interest from its deposit date.
MATURITY VALUE
7,24,978
₹10,000/month for 5 years.
Maturity
₹7,24,978
₹6,00,000
82.8%
₹1,24,978
17.2%
Total Deposited
₹6,00,000
Interest Earned
₹1,24,978
Instalments
60
Growth Multiple
1.21×
TENURE COMPARISON
Compare Tenures
₹1,00,000
7.10%
See how the same principal grows over 1, 3, 5, 7, and 10 years.
BEST TENURE
2,00,000
Compare maturity across different tenures.
| Tenure | Maturity Value | Interest |
|---|
Interest calculations are illustrative. Actual FD / RD interest may vary
according to the bank’s terms, compounding frequency, TDS, and applicable
regulations. Senior citizens typically earn 0.25–0.50% higher rates.