Compounding means interest on interest

FD Calculator 2026 - Fixed Deposit Interest Calculator - SBI, HDFC, Post Office

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FD Calculator se aap kisi bhi bank ki Fixed Deposit ka final maturity amount aur total interest ek second me nikal sakte hain. India me FD sabse safe investment hai. 2026 me SBI 6.80%, HDFC 7.00% aur Post Office 7.10% de raha hai. Senior citizen ko 0.5% extra milta hai. Is calculator me aap compounding frequency (Monthly, Quarterly, Half-Yearly, Yearly) bhi select kar sakte hain kyunki isse maturity me hazaron ka fark padta hai.

FD Calculator - Multiple Options

Principal Amount (₹) Annual Interest Rate (%) Time Period Compounding Frequency Investor Category

Formula: Maturity = P × (1 + r/n)^(n×t)
Jaha P=Principal, r=Rate/100, n=Compounding per year, t=Years

FD Calculation Example

Agar aap ₹5 Lakh 7.1% pe 5 saal ke liye Quarterly compounding pe lagate hain to: Interest = ₹2,10,000 approx, Maturity = ₹7,10,000. Senior citizen ko same pe ₹7,25,000 milega.

FD Ke Fayde

Feature	Details
Safety	DICGC dwara 5 Lakh tak insured
Loan Facility	FD pe 90% tak loan mil jata hai
Tax	Interest 40k (60k senior) se zyada pe 10% TDS

FAQ - FD Calculator

Q1: FD me compounding ka kya matlab hai?

Compounding matlab interest pe interest. Agar bank quarterly compounding de raha hai to har 3 mahine me interest principal me jud jayega aur agle 3 mahine us bade amount pe interest milega. Monthly compounding me sabse zyada fayda hota hai.

Q2: Senior citizen ko kitna extra milta hai?

Zyadatar banks senior citizen (60+) ko 0.50% extra dete hain. Super senior (80+) ko kuch banks 0.75% tak extra dete hain. Hamare calculator me ye option diya hai.

Q3: Kya FD todne pe penalty lagti hai?

Haan, premature withdrawal pe 0.5% se 1% tak penalty lagti hai. 7 din se pehle todne pe koi interest nahi milta.

Q4: Post Office FD vs Bank FD kaun behtar?

Post Office FD me sovereign guarantee hai aur rate 7.10% fixed hai 5 saal ke liye. Bank me kabhi-kabhi zyada mil jata hai offer me. Safety dono me hai.

Q5: 5 saal ki FD pe tax benefit hai?

Haan, 5 Year Tax Saving FD pe 80C me 1.5 Lakh tak deduction milta hai par interest taxable hota hai.

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