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Fixed Deposit - 2026 Premium Edition

Professional-grade maturity analysis. Calculate your guaranteed returns with precision using our interactive tax-aware compounding engine.

Core Parameters

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* Note: Maturity amounts are estimates. Actual returns may vary slightly due to tax laws and bank policies.

Standards: Financial Security Standards 2026

Updated: Jan 2026 | Build v2.1.0

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Awaiting Parameters

Enter your investment details in the left panel to generate your guaranteed maturity profile.

Did You Know?

#1Fixed Deposits are one of the safest investment options as they are not subject to market volatility.

#2The DICGC provides insurance for bank deposits up to ₹5 lakh per bank account.

#3Compounding frequency (monthly, quarterly, or yearly) can significantly impact your total returns.

#4Senior citizens typically enjoy 0.50% to 0.75% higher interest rates on Fixed Deposits.

#5FD laddering is a strategy to maintain liquidity by splitting deposits across different tenures.

Quick Navigation

RD CalculatorSIP HubLumpsum InfoAge Map

FD Intelligence Guide

What is a Fixed Deposit?

A Fixed Deposit (FD) is a cornerstone of conservative wealth management. It involves depositing a lump sum for a fixed tenure at a predetermined, guaranteed interest rate, shielding your capital from market volatility.

Core Formula (Compound)

A = P(1 + r/n)^nt

Strategic Advantages

  • ✓

    Capital Safety

    Predictable returns with zero market risk.

  • ✓

    FD Laddering

    Split deposits across multiple tenures for liquidity.

  • ✓

    Tax Benefits

    Tax-saver FDs offer 80C deductions (5yr lock-in).

⚠ The Tax Reality

FD interest is fully taxable as per your income tax slab. Banks deduct TDS (10%) if interest exceeds:

  • General Citizens:₹40,000 / year
  • Senior Citizens:₹50,000 / year

📉 Inflation Awareness

Your Real Rate of Return is the FD rate minus inflation. If your FD gives 7% and inflation is 6%, your actual wealth grows by only 1%.

Real Return Formula

((1 + Rate) / (1 + Inflation)) - 1

Frequently Asked Questions

Cumulative FDs reinvest interest, providing compound returns. Best for wealth creation. Non-Cumulative FDs pay out interest monthly or quarterly, ideal for pensioners needing regular income.
Yes, FD interest is fully taxable as per your income tax slab. Banks deduct 10% TDS if interest exceeds ₹40,000 (₹50,000 for seniors) in a financial year.
Most banks allow premature withdrawal but charge a penalty (0.5% - 1%) and reduce the interest rate to the tenure actually served. 5-Year Tax Saver FDs have a strict lock-in.
The DICGC (a subsidiary of RBI) provides insurance cover of up to ₹5 lakh for both principal and interest per bank for each depositor.

Standardization Authority

Global Financial Reserve Reporting Standards (v4.2)

Last Audit

January 2026 | Reviewed by Senior Financial Analysts