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FD Calculator

Fixed deposit maturity calculator with complete breakdown

Enter your FD details

Please fix the following:

FD start date

FD type

Cumulative

Non-cumulative

Cumulative compounds and pays out at maturity. Non-cumulative pays interest out every quarter and returns the principal at maturity.

Tenure

Years

Months

Days

Combine years, months and days as needed — total tenure must be between 7 and 3650 days (10 years).

Principal amount

₹

Interest rate (annual)

%

Results

Quarterly breakdown

Each full 3-month quarter (counted from the FD start date) earns a flat quarterly rate of annual rate ÷ 4, matching standard Indian bank FD compounding. Only the leftover period shorter than 3 months at the end uses actual-days/365 simple interest. Partial marks that leftover period. The "Quarter" column tags each row with the India fiscal-year quarter(s) it overlaps (Apr–Jun, Jul–Sep, Oct–Dec, Jan–Mar) — since periods are dated from your FD start date, one row often spans two. Tap the calculator icon on any row to see the exact formula behind that quarter's number.

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