Investment Calculators
FD Calculator
Estimate the maturity value of a fixed deposit, and see how compounding frequency changes the interest you earn.
Your deposit details
Maturity Amount
₹0After 5 years
Deposit Amount
₹0Interest Earned
₹0Growth over time
How your deposit compounds toward maturity
How the FD calculator works
A Fixed Deposit (FD) is a lump-sum investment held with a bank or NBFC for a fixed tenure at a guaranteed interest rate. Unlike market-linked investments, the return on an FD is locked in at the time of booking, making it a predictable, low-risk part of a portfolio.
Why compounding frequency matters
Interest can be compounded annually, half-yearly, quarterly, or monthly. The more frequently interest compounds, the more often your accumulated interest itself starts earning interest — so a monthly-compounding FD will yield marginally more than an annual-compounding FD at the same stated rate. Most Indian bank FDs compound quarterly by default.
FD vs. other fixed-income options
FDs offer capital protection and a guaranteed rate, but returns are fully taxable as per your income slab and are typically lower than long-term equity or hybrid fund returns. They work best for short-term goals, an emergency fund, or the conservative portion of a larger, diversified plan.
Frequently asked questions
FD interest is calculated using compound interest: the deposit grows by the stated annual rate, divided across the compounding periods you choose (annual, half-yearly, quarterly, or monthly), with each period's interest added back to the principal for the next period.
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Deciding between an FD and other options?
A Premier Capital advisor can help you weigh fixed deposits against other fixed-income instruments for your specific tax situation and timeline.
