Guaranteed Returns India Edition
Fixed Deposit Calculator
The safest investment for your hard-earned money. Calculate precise returns with quarterly compounding logic used by Indian banks.
Fixed Deposit Details
Interest compounded quarterly (RBI standard for bank FDs).
Maturity Amount
₹1,43,226
Total Interest
₹43,226
Growth Over Time
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Understanding FD Compounding
Most Indian banks (SBI, HDFC, ICICI) compound interest quarterly. This means you earn interest on your interest every 3 months.
Taxation (TDS)
Interest earned on FDs is fully taxable as per your income tax slab. Banks deduct 10% TDS if interest exceeds ₹40,000/year (₹50,000 for seniors).