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FD Calculator

Compare a cumulative deposit with an illustrative payout option using your bank’s quoted rate.

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01 / YOUR ASSUMPTIONS

Make the numbers yours.

Results update as you edit. Use Calculate to check all fields. Rates are editable illustrations; enter a provider quote only where applicable.

₹
% p.a.
months
YOUR ILLUSTRATION, READY TO KEEP

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Inputs, results, charts, sources and the schedule in one branded PDF.

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SEE THE PATHIllustrative, not a forecast

Contributions and illustrative value

INR 6.2 LINR 4.1 LINR 2.1 LINR 0Year 0Year 1.5Year 3Contributed / depositedIllustrative value

Deposit-rate illustration before tax; actual bank conventions and payout discounts may differ.

Contribution and growth

100%
  • Contributed / deposited₹5,00,000 81.2%
  • Illustrative growth₹1,15,720 18.8%
CHANGE THE ASSUMPTION

Assumption sensitivity

Same inputs; only the annual rate assumption changes. These are illustrations, not forecasts.

5.00% assumption₹5,80,377
7.00% assumption₹6,15,720
9.00% assumption₹6,53,025
FOLLOW THE NUMBERS

Year-by-year illustration

YearContributed / paidGrowth / interestClosing value
1₹5,00,000₹35,930₹5,35,930
2₹5,00,000₹74,441₹5,74,441
3₹5,00,000₹1,15,720₹6,15,720
A NUMBER WORTH UNDERSTANDING₹60,518 crore

Unclaimed PSB deposits transferred to RBI DEA Fund

31 January 2026
WHAT THIS NUMBER MEANS

Public-sector-bank deposits only, across account types. Not an FD-only total and not the amount across all banks.

Published byMinistry of Finance / PIB
Source last checked4 Nov 2026
Read the original source Industry or scheme context, separate from your personal calculation.
KNOW WHAT YOU ARE CALCULATING

Want to understand FD?

A simple guide with a worked example, practical limitations and linked references. Read it before turning an illustration into a decision.

Read the FD guide →730 words · General education · Prasar Knowledge Studio
HOW THE ILLUSTRATION WORKS

Formula, timing and limits.

Cumulative maturity = P × (1 + annual rate / m)^(m × years). The payout illustration uses principal × annual rate × years without reinvestment.

  • Cumulative deposits use the selected compounding frequency with a fractional-period model. Payout mode uses simple undiscounted interest and does not reinvest payouts. Actual bank payout discounts, rounding, days, TDS and premature withdrawal terms can differ.
Read before acting

Estimate before taxes or TDS. Rate, compounding, payout discounts, premature closure rules and deposit-protection conditions depend on the provider. Prasar does not certify a bank offer through this calculator.

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