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FD & RD Maturity Calculator
Calculate interest earnings on bank deposits. Compare Fixed Deposits (FD) vs Recurring Deposits (RD) with compound frequencies.
Fixed Deposit Settings
₹ 1,00,000
7.1%
5 Years
Recurring Deposit Settings
₹ 10,000
6.8%
5 Years
TDS is only deducted if annual interest earned exceeds this limit.
FD Maturity Summary
Maturity Value (Net)
₹ 0
Invested Amount
₹ 0
Total Interest Earned
₹ 0
TDS Deducted: ₹ 0
Legal Disclaimer
This calculator is provided solely for informational and educational purposes. Calculations are estimates based on standard algorithmic rules and inputs, and should not be construed as professional financial, legal, or tax advice. Actual tax liabilities and financial structures may vary depending on corporate policies, jurisdiction, and individual circumstances. Please consult with a certified financial planner or tax advisor before making any financial decisions.
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Frequently Asked Questions
Quick direct-answer guides about using this utility tool locally and securely.
How much will ₹1 lakh FD grow in 3 years at 7% interest?
At 7% p.a. compounded quarterly, ₹1 lakh grows to approximately ₹1,23,144 in 3 years — earning ₹23,144 as interest. KuberAgent FD RD Calculator shows this maturity amount instantly — enter your deposit amount, interest rate, and tenure to see exact returns before opening an FD at any bank.
How is TDS calculated for FD and RD deposits?
Banks deduct Tax Deducted at Source (TDS) at 10% (or 20% if PAN is not linked) if the interest earned exceeds ₹40,000 in a year (₹50,000 for senior citizens). Our simulator lets you estimate this deduction.
What is the difference between FD and RD — which is better?
FD requires a lumpsum deposit upfront and earns higher effective returns. RD lets you invest a fixed amount every month — ideal for salaried individuals with no large savings ready. A ₹10,000/month RD at 7% for 3 years gives approximately ₹3,97,000 at maturity. KuberAgent calculator computes both so you can compare before deciding.
Do senior citizens get higher FD interest rates in India?
Yes — Indian banks offer senior citizens an additional 0.50% p.a. above regular FD rates, and some banks offer up to 0.75% extra for super senior citizens (80+ years). On a ₹5 lakh FD for 3 years, this 0.50% extra earns approximately ₹7,500 more. KuberAgent FD Calculator has a senior citizen toggle to calculate the exact difference.
Does compounding frequency affect FD returns — monthly vs quarterly?
Yes — more frequent compounding gives slightly higher returns. On ₹1 lakh at 7% for 1 year, monthly compounding gives ₹7,229 interest vs ₹7,186 with quarterly compounding — a small but real difference. Indian banks typically compound quarterly. KuberAgent FD Calculator lets you switch compounding frequency to compare exact maturity amounts.
₹1 lakh ki FD 1 saal mein kitni ho jaayegi?
7% interest rate pe ₹1 lakh ki 1 saal ki FD quarterly compounding ke saath approximately ₹1,07,186 ho jaayegi — yani ₹7,186 ka faida. KuberAgent ke FD RD Calculator mein apna amount, rate aur tenure enter karo — maturity amount aur total interest seconds mein dikh jaata hai, bina kisi manual calculation ke.
FD aur RD mein kya fark hai — kaunsa better hai savings ke liye?
FD ek baar mein poora amount deposit karta hai — higher returns deta hai. RD har mahine fixed amount deta hai — salaried log ke liye best jo regularly save karte hain. ₹10,000/month ki RD 7% pe 3 saal mein approximately ₹3,97,000 deti hai. KuberAgent ka calculator dono compare karta hai — decide karna easy ho jaata hai.
FD pe TDS kab kata jaata hai aur kaise bachayein ?
FD interest ek financial year mein ₹40,000 se zyada hone pe bank 10% TDS kaat ta hai — ₹50,000 senior citizens ke liye. TDS bachane ke liye Form 15G (below 60 age) ya Form 15H (senior citizens) bank mein submit karo agar tumhara total income taxable nahi hai. KuberAgent ka FD Calculator post-TDS net return bhi calculate karta hai.
Senior citizens ko FD pe zyada interest milta hai kya ?
Haan — India mein sabhi major banks senior citizens ko 0.50% extra interest dete hain regular FD rates ke upar, aur kuch banks super senior citizens (80+ years) ko 0.75% extra bhi dete hain. ₹5 lakh ki 3 saal ki FD pe yeh extra 0.50% lagbhag ₹7,500 zyada earn karwata hai. KuberAgent ke calculator mein senior citizen option select karo aur exact difference dekho.
RD mein har mahine ₹5,000 daalne pe 5 saal mein kitna milega ?
7% interest rate pe ₹5,000/month ki 5 saal ki RD mein approximately ₹3,56,500 milenge — total investment ₹3,00,000 pe ₹56,500 ka interest. KuberAgent ke FD RD Calculator mein monthly amount, rate aur tenure enter karo — full maturity breakdown aur year-wise growth instantly dikh jaata hai.