FD Calculator India 2025 (Fixed Deposit Maturity & Interest)
Calculate exact maturity values, interest earned, and quarterly compounding returns on your Fixed Deposits (FD) across State Bank of India (SBI), HDFC Bank, ICICI Bank, Post Office Time Deposit, and NBFCs.
Quarterly Compounding Formula
A = P × (1 + r / 4)^(4 × t)- 📌 A: Total maturity amount received at completion of tenure.
- 📌 P: Principal deposit amount (e.g., ₹1,00,000).
- 📌 r: Annual interest rate decimal =
(Interest Rate % / 100) - 📌 t: Deposit tenure in years.
Top Indian Bank FD Interest Rates 2025
Current interest rates offered for 1 to 5-year tenures:
| Bank / Institution | General Public Rate (1-3 Yrs) | Senior Citizen Rate (+0.50%) | 5-Yr Tax Saver FD Rate |
|---|---|---|---|
| State Bank of India (SBI) | 6.80% - 7.00% | 7.30% - 7.50% | 6.50% |
| HDFC Bank | 7.10% - 7.25% | 7.60% - 7.75% | 7.00% |
| ICICI Bank | 7.00% - 7.20% | 7.50% - 7.75% | 7.00% |
| Post Office Time Deposit | 6.90% - 7.10% | 7.10% | 7.50% |
Frequently Asked Questions (FAQs)
What is the TDS threshold for FD interest in India?
Under Section 194A, banks deduct 10% TDS if total FD interest earned exceeds ₹40,000 per year for regular individuals or ₹50,000 for Senior Citizens.
How to avoid TDS deduction on FD interest?
If your total annual taxable income is below the basic exemption slab, submit Form 15G (for individuals below 60) or Form 15H (for Senior Citizens) to your bank at the start of the financial year.
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