Basic FD Calculator

Calculate your fixed deposit returns and tax impact.

Principal Amount

₹1,00,000

FD Interest Rate

6.5%

Public sector banks: 2.5–7% · Small finance banks: up to 9.5%

Tenure

12 Months

Best rates typically between 12–36 months

Citizen Type

Your annualized interest of ₹6,660 is below the ₹40,000 TDS threshold for Regular Citizen — no TDS will be deducted by your bank.

Gross Interest

₹6,660

Real Return

0.47%

In today's money your ₹1.07 Lakhs will be worth ₹1.01 Lakhs

Maturity Amount

₹1,06,660

Assumes 6% annual inflation — India's 10-year CPI average.

Inflation is quietly eating your savings. FD preserves wealth — it does not build it.

YOUR MONEY SPLIT

₹1.07 Lakhs

Principal

Interest

WHERE YOUR MONEY GOES

💡 What if you staggered this FD?

Splitting ₹1,00,000 into multiple FDs maturing every few months gives you liquidity without sacrificing returns.

Top Banks

4.8

HDFC Bank

Up to 7.4%

PRIVATEMOST TRUSTED

4.7

ICICI Bank

Up to 7.4%

PRIVATEDIGITAL FIRST

4.5

Axis Bank

Up to 7.6%

PRIVATEQUICK PROCESS

4.5

Ujjivan SFB

Up to 8.25%

SMALL FINANCEHIGH RATES

4.3

Jana SFB

Up to 8.5%

SMALL FINANCEHIGHEST RATES

4.2

Suryoday SFB

Up to 8.6%