FD Calculator
FD amount, interest rate aur tenure daalo — maturity amount aur total interest (quarterly compounding, jaise banks karte hain) turant calculate hota hai.
How to use — FD Calculator
- FD me jitna paisa daalna hai wo amount daalo.
- Bank ka annual interest rate daalo (e.g. 7%).
- Tenure years ya months me choose karo.
- Calculate dabao — maturity amount aur total interest dikh jayega.
FAQ
FD interest kaise compound hota hai?
Indian banks me FD interest quarterly compound hota hai: Maturity = P × (1 + r/4)^(4×t). Ye calculator yehi standard method use karta hai.
FD interest pe tax lagta hai?
Haan — FD interest aapki income me add hokar slab rate se taxable hai. Saal me ₹40,000 (senior citizens ₹50,000) se zyada interest pe bank TDS bhi kaatta hai.
Premature withdrawal pe kya hota hai?
FD tudwane pe banks 0.5–1% penalty lagate hain aur jitna time FD chali usi ke applicable rate se interest milta hai. Exact rules bank pe depend karte hain.
FD vs SIP — kya choose karein?
FD guaranteed return deta hai, capital safe rehta hai — short-term goals ke liye best. SIP/mutual funds long-term (5+ saal) me zyada return de sakte hain lekin market risk ke saath.