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.