Financial Ratio Calculator
Financial Ratio Calculator
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CD / Fixed Deposit (FD) Calculator

Calculate the guaranteed interest and maturity payout for Certificates of Deposit (CDs) or Bank Fixed Deposits (FDs) across different compounding frequencies.

Financial Calculator
Input Parameters
Click Calculate when ready
e.g. Rs 5,00,000
Rs
%
yrs
Calculation Results
Enter your values and click Calculate.

Provide the input parameters on the left to compute the official financial result and metrics.

Formula & Methodology

Maturity Value = Principal * (1 + r/n)^(n*t)
P
Deposit Principal

Initial lump sum deposit.

r
Annual Interest Rate (%)

Fixed annual interest rate offered by the bank.

t
Tenure (Years)

Deposit duration in years.

n
Compounding Frequency

Compounding periods per year (4 for quarterly, 12 for monthly).

Practical Worked Example

A depositor places Rs 5,00,000 in a 3-year bank Fixed Deposit at 7.25% interest compounded quarterly.

01.Quarterly rate = 7.25% / 4 = 1.8125% per quarter.
02.Total quarters = 3 × 4 = 12 periods.
03.Maturity = 5,00,000 × (1.018125)^12 = Rs 6,20,490.
04.Interest earned = Rs 1,20,490.
Rs 6,20,490Quarterly compounding adds an extra yield boost over simple annual interest.

Interpretation & Industry Benchmarks

Fixed deposits offer zero principal risk backed by government deposit insurance guarantees up to statutory limits.

7.0–8.0% FD RatesCompetitive Bank FD

Current prevailing rates for 2-5 year bank deposits.

Industry Nuance: In India, senior citizens typically receive an additional 0.50% interest rate premium across most banks.

Analytical Limitations

  • Premature withdrawal before maturity typically incurs a 0.5%–1.0% interest rate penalty.

Frequently Asked Questions

Is FD interest taxable?

Yes, interest earned on fixed deposits is added to your income and taxed at your marginal income tax slab rate.

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Compound Interest CalculatorFuture Value = Principal * (1 + r/n)^(n*t) + PMT * [((1 + r/n)^(n*t) - 1) / (r/n)]Tax-Equivalent Yield CalculatorTax Equivalent Yield = Tax Exempt Yield / (1 - Marginal Tax Rate)CAGR (Compound Annual Growth Rate) CalculatorCAGR (%) = ((Ending Value / Beginning Value)^(1 / Years) - 1) * 100TVM (Time Value of Money) CalculatorFV = PV * (1 + r)^n + PMT * [((1 + r)^n - 1) / r]
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Disclaimer: For educational and analytical modeling purposes only. Does not constitute financial or investment advice.