FD Calculator
Calculate your Fixed Deposit maturity amount, interest earned, and compare FD rates across banks.
₹
%
Years
* എല്ലാ കണക്കുകൂട്ടലുകളും ഏകദേശമാണ്.
പ്രധാനം — തീരുമാനിക്കുന്നതിന് മുമ്പ് വായിക്കുക
- FD interest is fully taxable as per your income tax slab
- TDS of 10% is deducted if interest exceeds ₹40,000/year
- Premature withdrawal attracts penalty of 0.5%–1%
- FD rates may not beat inflation in many years
- Senior citizens get 0.25%–0.5% higher interest rate
- Tax-saving FDs have a 5-year lock-in period
ഇവ അവഗണിച്ചാൽ എന്ത് സംഭവിക്കും?
- Returns may not keep up with inflation, reducing real value
- Unexpected tax liability on interest earned
- Penalty charges on premature withdrawal
- Missing better investment opportunities
സ്മാർട്ട് ടിപ്പുകൾ
- Use FD laddering — split into multiple FDs with different tenures
- Submit Form 15G/15H to avoid TDS if below taxable income
- Compare rates across banks — small FD banks often offer higher rates
- Consider debt mutual funds for better post-tax returns
പതിവ് ചോദ്യങ്ങൾ
Popular Scenarios
₹1L Fixed Deposit for 1 Year₹1L Fixed Deposit for 3 Years₹1L Fixed Deposit for 5 Years₹2L Fixed Deposit for 1 Year₹2L Fixed Deposit for 3 Years₹2L Fixed Deposit for 5 Years₹5L Fixed Deposit for 1 Year₹5L Fixed Deposit for 3 Years₹5L Fixed Deposit for 5 Years₹10L Fixed Deposit for 1 Year₹10L Fixed Deposit for 3 Years₹10L Fixed Deposit for 5 Years
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