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FD & RD Maturity Calculator

Calculate interest earnings on bank deposits. Compare Fixed Deposits (FD) vs Recurring Deposits (RD) with compound frequencies.

Fixed Deposit Settings

₹ 1,00,000
7.1%
5 Years
FD Maturity Summary
Maturity Value (Net)
₹ 0
Invested Amount ₹ 0
Total Interest Earned ₹ 0

Legal Disclaimer

This calculator is provided solely for informational and educational purposes. Calculations are estimates based on standard algorithmic rules and inputs, and should not be construed as professional financial, legal, or tax advice. Actual tax liabilities and financial structures may vary depending on corporate policies, jurisdiction, and individual circumstances. Please consult with a certified financial planner or tax advisor before making any financial decisions.

Frequently Asked Questions

Quick direct-answer guides about using this utility tool locally and securely.

What is compounding frequency and how does it affect returns?
Compounding frequency is how often interest is added back to the principal. More frequent compounding (e.g. monthly vs yearly) yields slightly higher maturity returns. Indian banks typically compound interest quarterly.
How is TDS calculated for FD and RD deposits?
Banks deduct Tax Deducted at Source (TDS) at 10% (or 20% if PAN is not linked) if the interest earned exceeds ₹40,000 in a year (₹50,000 for senior citizens). Our simulator lets you estimate this deduction.

How It Works

Usage pipeline & step-by-step guide

1. Upload/Input
2. Local Process
3. Save Output

100% Client-Side Processing Your files never touch our servers. All operations happen locally in your web browser for ultimate privacy and speed.

Cookie Preferences

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