Staggered FD Planner
Optimize your emergency fund for liquidity and returns.
Public sector banks: 2.5–7% · Small finance banks: up to 9.5%
Most major banks offer 2.5–4% · Some offer up to 7%
When an FD matures and no emergency occurs, reinvest it for 18 months at the same FD rate.
Toggle reinvestment ON to see how much more your emergency fund can earn when matured FDs are automatically rolled over.
Amount per FD
₹50,000
TOTAL FD INTEREST
₹18,375
Extra earned vs savings account
+₹9,188
Extra earned by choosing FD over savings account for the same amount and tenure.
Assumes 6% annual inflation — India's 10-year CPI average.
One FD matures every 3 months — you're never more than 3 months away from liquidity without breaking anything.
FD Ladder Breakdown
Your annualized interest of ₹18,375 is below the ₹40,000 TDS threshold for Regular Citizen — no TDS will be deducted by your bank.
| FD # | Amount | Tenure (Months) | Maturity Value | Interest Earned |
|---|---|---|---|---|
| 1 | ₹50,000 | 3 | ₹50,875 | ₹875 |
| 2 | ₹50,000 | 6 | ₹51,750 | ₹1,750 |
| 3 | ₹50,000 | 9 | ₹52,625 | ₹2,625 |
| 4 | ₹50,000 | 12 | ₹53,500 | ₹3,500 |
| 5 | ₹50,000 | 15 | ₹54,375 | ₹4,375 |
| 6 | ₹50,000 | 18 | ₹55,250 | ₹5,250 |
| TOTAL | ₹18,375 |
FD Maturity Values
Interest Earned
₹18,375
of corpus
FD VS SAVINGS
₹9,188 more
Top Banks
HDFC Bank
Up to 7.4%
ICICI Bank
Up to 7.4%
Axis Bank
Up to 7.6%
Ujjivan SFB
Up to 8.25%
Jana SFB
Up to 8.5%
Suryoday SFB
Up to 8.6%
Rates are indicative for general public, tenure 1–3 years. Verify current rates on the bank's official website.