Published on July 05, 2026 • Last updated July 05, 2026
Final maturity amount (principal + interest)
Principal deposit amount invested
Annual nominal interest rate (as a decimal)
Compounding frequency per year (standard bank FDs compound quarterly, so n = 4)
Deposit tenure in years
A Fixed Deposit (FD) is a secure investment offered by banks and financial institutions where you deposit a lump sum for a fixed tenure at a guaranteed interest rate. FDs usually calculate compound interest on a quarterly basis. It offers steady, predictable growth on capital.
Yes, premature withdrawals are usually allowed, but banks apply a penalty (typically 0.5% to 1%) reducing the effective interest rate earned.
Yes, the interest income is fully taxable under "Income from Other Sources" based on the investor's tax slab. Tax Deducted at Source (TDS) is deducted if interest exceeds specified thresholds.
FD Laddering is a strategy where you split your total investment corpus into multiple FDs with different maturity periods (e.g., 1-year, 2-year, 3-year). As each FD matures, you reinvest it, ensuring liquidity and optimizing interest rate cycles.
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