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FD / RD Calculator

Fixed Deposit ya Recurring Deposit — maturity amount, interest aur growth instantly calculate karein!

4.9 ⭐ (32,180 ratings) • 100% Free • 🏦 All Banks Rates
🏦 Bank Rate Presets (1-3 Year FD)
₹1,00,000
₹1K₹1Cr
₹
6.80%
1%15%
%
2 Yr 0 Mo
Years
Months
FD Maturity Amount
₹0
Calculating...
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Principal
₹0
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Interest Earned
₹0
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Maturity Amount
₹0
Principal
60%
Interest
40%
Effective Rate —
Total Return % —
Monthly Gain —
📋 Year-wise Breakup
Period Opening Interest Closing

🏦 FD aur RD mein Kya Fark Hai?

🏦 Fixed Deposit (FD) Ek baar ek badi rakam invest karo. Interest compounding se badhta hai. Tenure pura hone pe maturity amount milta hai. Safe aur guaranteed returns.
📅 Recurring Deposit (RD) Har mahine chhoti-chhoti rakam invest karo. SIP jaisa lekin bank mein — guaranteed returns. Monthly budget waalon ke liye best option.
👴 Senior Citizen Rates 60 saal se upar ke logon ko banks 0.50% extra rate deti hain. SBI, HDFC, ICICI sab offer karti hain. Senior citizens ke liye FD bahut faaydemand hai.
🔄 Compounding Effect Quarterly compounding sabse common hai Indian banks mein. Monthly compounding thoda zyada return deta hai kyunki interest par interest zyada baar milta hai.

🌟 Is Calculator Ki Khasiyat

  • FD + RD Dono: Ek hi tool mein tab switch karke dono calculate karein
  • Bank Presets: SBI, HDFC, ICICI, PNB, Axis, BoB — current rates
  • Senior Citizen: +0.50% extra rate checkbox se add hogi
  • Compounding Options: Monthly, Quarterly, Half-Yearly, Yearly
  • Year-wise Table: Har saal opening, interest aur closing balance
  • Effective Rate: Actual annual effective yield bhi dikhata hai

FD RD Calculator — Fixed aur Recurring Deposit Returns 2024-25

Fixed Deposit (FD) aur Recurring Deposit (RD) India ke sabse popular safe investment options hain. Hamare free calculator se aap kisi bhi bank ki interest rate pe exact maturity amount nikaal sakte hain.

FD Interest Formula

FD Compound Interest: A = P × (1 + r/n)^(n×t). Jahan P = Principal, r = Annual rate, n = Compounding frequency per year, t = Time in years. RD Formula: M = P × n × (1 + r/100)^n, where installments are compounded monthly.

Bank FD Rates 2024-25

SBI: 6.80% (1-3 yr), HDFC: 7.10% (1-3 yr), ICICI: 7.10% (1-3 yr), PNB: 6.80% (1-3 yr), Axis Bank: 7.10% (1-3 yr). Senior citizens ko sab banks 0.50% extra deti hain.

Frequently Asked Questions

₹1 Lakh FD 1 saal mein kitna banega at 7%?

₹1,00,000 @ 7% quarterly compounding, 1 year: Maturity = ₹1,07,186. Interest earned = ₹7,186.

RD aur FD mein better kaun hai?

Agar ek baar mein paisa available hai toh FD better. Monthly bachaayi karna ho toh RD. Dono pe returns guaranteed aur safe hain.

FD pe TDS kab lagta hai?

Agar ek financial year mein FD interest ₹40,000 se zyada ho (senior citizens ke liye ₹50,000) toh 10% TDS katega. Form 15G/15H se TDS avoid kar sakte hain agar total income taxable nahi hai.

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Important Disclaimer

This tool is provided for informational and educational purposes only. Results generated are estimates or general guidance and should not be considered as professional advice or 100% accurate predictions.

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Accuracy Notice

Results may vary based on inputs, algorithms, and external factors. Always verify critical information with qualified professionals.

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No Professional Advice

This tool does not replace consultation with doctors, lawyers, astrologers, financial advisors, or other licensed professionals.

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Use at Your Discretion

We are not liable for any decisions, actions, damages, or losses arising from the use of this tool or its results.

By using this tool, you acknowledge that: Results are for entertainment, educational, or reference purposes. For important decisions (medical, legal, financial, religious), always consult qualified experts. Read our complete Disclaimer and Terms of Service.