Investment
Bank Fixed Deposit (FD) Calculator
Verified Indian financial mathematics, statutory regulations, and step-by-step actionable breakdowns.
SIP (Systematic Investment Plan)
Monthly compounding in Equity & Hybrid Mutual Funds
Monthly Investment Amount₹10,000
Expected Annual Returns (CAGR)12.0%
Time Horizon15 Years
Invested Amount
₹18,00,000
Wealth Gained
₹32,45,760
Total Corpus
₹50,45,760
Mathematical Formula & Calculation Engine
Indian banks calculate FD interest on a quarterly compounding frequency using the standard compounding formula.
A = P × [1 + (r / 4)]^(4 × n)
Why Use the Bank FD?
Guaranteed return with DICGC insurance up to ₹5 Lakhs
Flexible tenures from 7 days to 10 years
Overdraft loans available up to 90% of deposit balance
Bank FD FAQs
Because Indian banks compound interest every quarter (4 times a year), interest earned in the first quarter starts earning its own interest in subsequent quarters.
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