Deep guide · India
FD calculator — fixed deposit returns in context
Place ₹99,00,000 at 6% for 2 years, compounded 1 time(s) per year, and maturity comes to about ₹1,11,23,640 — roughly ₹12,23,640 in interest on top of what you put in. That three-way split — principal, interest, total — is what most people open an FD calculator to see.
Fixed deposits trade equity-like upside for a steadier accrual story. How often interest compounds still moves the needle when the quoted annual rate is fixed. Figures here are pre-tax; layer in TDS and your slab for what you keep.
The tables vary tenure and principal; the SIP note later contrasts risk, not merit — a larger number is not always the right fit.
Calculation breakdown
- Principal: ₹99,00,000
- Interest (illustrative): ₹12,23,640
- Maturity: ₹1,11,23,640
Scenario comparison
Different tenures
| Years | Interest | Maturity |
|---|---|---|
| 5 | ₹33,48,433 | ₹1,32,48,433 |
| 10 | ₹78,29,392 | ₹1,77,29,392 |
Different principal amounts (±15–25%)
| Scenario | Principal | Interest | Maturity |
|---|---|---|---|
| -25% vs base principal | ₹74,25,000 | ₹9,17,730 | ₹83,42,730 |
| -15% vs base principal | ₹84,15,000 | ₹10,40,094 | ₹94,55,094 |
| 15% vs base principal | ₹1,13,85,000 | ₹14,07,186 | ₹1,27,92,186 |
| 25% vs base principal | ₹1,23,75,000 | ₹15,29,550 | ₹1,39,04,550 |
Benefits of FDs (fixed-income framing)
- Predictability: Useful for goals where you want less day-to-day volatility than equities.
- Simple story: FD returns map cleanly to principal, interest, and maturity — ideal for baseline planning.
Comparison: FD vs SIP (illustrative)
For perspective only, an illustrative mutual fund SIP path (12% assumption, not a prediction) with a monthly amount near ₹4,12,500 could produce a very different risk/return profile than FD compounding — estimated SIP corpus illustration near ₹1,12,37,820 over the same2 years. This is not advice; it explains why “FD vs SIP” is about goals and risk tolerance, not just the bigger number.
Tips & insights
- Interest as a share of maturity: 11% — a quick read on how much of the ending value is growth vs principal.
Frequently asked questions
- What FD returns can I expect on ₹99,00,000 for 2 years?
- This page uses your inputs: principal ₹99,00,000, 6% annual rate, and compounding frequency 1 per year. Under those assumptions, maturity is about ₹1,11,23,640 with interest near ₹12,23,640 — illustrative FD returns for planning, not a bank quote.
- Are FD returns guaranteed?
- Bank FDs are relatively predictable versus equities, but rates change with institution policies and tenure buckets. Always confirm with the issuer.
- FD vs SIP — what should I compare?
- FDs focus on capital preservation and predictable accrual; SIPs target long-term growth with volatility. Use FD for near-term certainty and SIP for long horizon wealth — not interchangeable goals.
- Does compounding frequency matter?
- Yes — more frequent compounding can slightly increase maturity for the same annual rate. Here frequency is 1 per year.
- Is tax included?
- No — tax on interest depends on your slab and rules (including TDS thresholds). Treat numbers as pre-tax illustration.
- What happens if I change tenure?
- The scenario table shows 5–20 year maturities holding rate and principal constant — a quick map of FD returns sensitivity to time.
Internal linking — related FD calculator pages
Explore nearby scenarios on EasyCal — each link opens a calculator page with matching inputs (programmatic SEO).
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FD interest rates and rules vary by bank/NBFC. Illustrations are educational.