FD & CalculatorLumpsum
Calculate your Fixed Deposit or one-time investment maturity value. Supports monthly, quarterly, and yearly compounding.
FD / Lumpsum Calculator
Fixed deposit & one-time investment maturity estimator
Principal
₹1.00L
Interest Earned
₹23,144
Maturity Value
₹1.23L
Effective Annual Rate (Quarterly compounding)
7.19%
Total Growth
+23.1%
Year-by-Year Growth
FD vs Mutual Fund SIP — Which is better?
Fixed Deposits offer guaranteed returns at a fixed interest rate, making them low-risk. A typical Indian bank FD offers 6–7.5% per annum. Mutual funds via SIP can offer higher returns (10–15% historically) but carry market risk.
Formula used: M = P × (1 + r/n)^(n×t), where P = principal, r = annual rate, n = compounding frequency per year, t = tenure in years.
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