💰 حاسبة الودائع الثابتة
Freeاحسب مبلغ استحقاق الوديعة الثابتة وإجمالي الفائدة. حاسبة FD بصيغة الفائدة المركبة.
حاسبة الودائع الثابتة (FD)
احسب مبلغ استحقاق الوديعة الثابتة وإجمالي الفائدة. حاسبة FD بصيغة الفائدة المركبة.
Formula Used
A = P(1 + r/n)^(nt) where P=Principal, r=annual rate, n=compounding per year, t=years
Understanding Fixed Deposits (FD)
A Fixed Deposit (FD) is one of the most secure and popular financial investment avenues in India. Under an FD, you deposit a lumpsum amount with a bank or financial institution for a pre-determined period (ranging from 7 days up to 10 years) at a guaranteed rate of interest. The interest rate remains fixed throughout the tenure, shielding your money from stock market fluctuations.
In India, banks typically calculate interest on Fixed Deposits using the Quarterly Compounding Method prescribed by the Reserve Bank of India (RBI). Every three months, the interest earned is added to the principal balance, and subsequent interest is computed on this expanded principal. This compounding effect significantly increases your yield compared to simple interest.
Fixed Deposits are ideal for conservative investors seeking guaranteed returns, risk-averse wealth preservation, or parking emergency funds. They also provide regular payout facilities (monthly or quarterly) for retired individuals, and loan-against-FD capabilities where you can borrow up to 90% of your deposit value in emergencies.
Disclaimer: FD rates are subject to change. Always verify the current rates offered by your specific bank before booking a deposit. Up to ₹5 Lakh of bank deposits per depositor are insured by the DICGC.
الأسئلة الشائعة
What is the difference between FD and RD?
A Fixed Deposit (FD) requires you to invest a lump sum at the start of the tenure. A Recurring Deposit (RD) allows you to deposit a fixed amount every month throughout the selected tenure.
Is interest earned on Fixed Deposits taxable in India?
Yes. FD interest is taxable according to your income tax slab. If interest earned across branches of a bank exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year, the bank deducts Tax Deducted at Source (TDS) at 10% (or 20% if PAN is not updated).
What are Tax-Saving Fixed Deposits?
Tax-Saving FDs are special deposits with a mandatory lock-in period of 5 years. They qualify for tax exemptions under Section 80C of the Income Tax Act up to ₹1.5 Lakh per year. Premature withdrawals are not allowed for these accounts.
Can I withdraw my Fixed Deposit prematurely?
Yes. Most banks permit premature withdrawal of FDs. However, they usually charge a penalty (ranging from 0.5% to 1.0%) on the interest rate applicable for the duration the deposit was actually held.