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BANKING · INDIA

India Fixed Deposit & Recurring Deposit Calculator

Compare deposit growth and maturity values.

Your details

▦
5,00,000 ₹
0 ₹
7.25 %
20 %
0
5 %
5 years

♢ Your data stays in your browser.

Review or recalculate this result online:
Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-03-01

Post-tax maturity amount

₹6,67,605

Updated instantly from your inputs

FD lump-sum deposit (0 for pure RD)

₹5,00,000

Total deposited

₹5,00,000

Gross interest

₹2,09,507

Value in today’s money (5% inflation)

₹5,23,086

Deposit, interest and tax

Total deposited₹5,00,000
Gross interest₹2,09,507
Estimated income tax (20%)₹41,901
Indicative TDS if interest exceeds ₹50,000₹20,951

Growth over time

PrincipalInterest
1
2
3
4
5
Assumptions used
FY 2026–27Rates remain constant for the projection unless you change them.Future values are nominal unless a today’s-money result is displayed.
Not automatically includedActual returns, inflation, fees and tax can differ from the assumptions entered.
Reviewed 16 August 2026 · Next review: Annual review

Compare scenarios

Change one assumption at a time to understand the trade-off.

Understand your result

Clear context for the values above.

Guaranteed returns

Guaranteed returns is included so you can interpret this estimate and make a better-informed comparison.

Compound growth

Compound growth is included so you can interpret this estimate and make a better-informed comparison.

Flexible tenure

Flexible tenure is included so you can interpret this estimate and make a better-informed comparison.

TDS on interest

TDS on interest is included so you can interpret this estimate and make a better-informed comparison.

How to use this calculator

  1. 1Enter your values in the fields above using the displayed ₹, percentage, or time units.
  2. 2Read the headline post-tax maturity amount together with the supporting metrics.
  3. 3Select a comparison scenario and change one assumption at a time.
  4. 4Check the method and limitations below before using this educational estimate in a decision.

Explore this calculator

What your result means →The headline post-tax maturity amount is based on the inputs currently shown above.Key terms explained →Review the assumptions, applicable rules, timing and real-world fees before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces ₹6,67,605.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?

What your result means

This fixed deposit & recurring deposit calculator translates the values you enter into a practical planning estimate. Review the headline result together with the comparison cards and supporting metrics.

The live result above currently shows ₹6,67,605. Change the inputs and compare scenarios to see how sensitive the estimate is.

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How this calculator works

The calculator applies the standard fixed deposit & recurring deposit relationship to the current inputs. Results recalculate immediately whenever a value changes.

The live result above currently shows ₹6,67,605. Change the inputs and compare scenarios to see how sensitive the estimate is.

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Assumptions and factors not included

The estimate does not automatically include every fee, rule, timing difference or personal circumstance. Confirm the assumptions and any India-specific requirements before acting.

The live result above currently shows ₹6,67,605. Change the inputs and compare scenarios to see how sensitive the estimate is.

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How to use the estimate

Use realistic inputs, compare more than one scenario and keep a copy of the result. Revisit the calculation whenever your circumstances or the applicable rules change.

The live result above currently shows ₹6,67,605. Change the inputs and compare scenarios to see how sensitive the estimate is.

Back to calculator topics ↑

Source & review statusOfficial reference ↗
Formula reviewed

India-specific contextValues use Indian numbering and ₹ amounts.

Important noteFor planning and educational use.

Your privacy mattersInputs remain on your device.

Important assumptions

Frequently asked questions

How is this result calculated?+

The result uses the standard formula for this calculator and the live values you entered.

Can I change the assumptions?+

Yes. Every input is editable and the result updates immediately.

Does this include every fee and rule?+

No. Review the limitations and confirm current official guidance before acting.

Can I save or print my result?+

Yes. Use the actions at the top of the page.

Official sources & assumptions

This calculator is for planning. Check the applicable official source before acting on a tax, investment, property, or employment decision.

Primary sourceOfficial reference 1 ↗
Official reference 2 ↗

Review statusFormula and source reviewed
Period: 2026-27

Not includedBank-specific compounding and premature-closure penalties must be confirmed with the provider.

Before you rely on it

Use the result as a planning estimate and complete these checks before making a decision.

Review methodology →

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