Calculate Fixed Deposit maturity with Indian bank quarterly compounding, +0.50% Senior Citizen bonus, and automatic TDS threshold check (₹50,000 regular / ₹1,00,000 senior).
| FD Tenure | ₹5L Regular (7.25%) | ₹5L Senior (7.75%) | ₹10L Regular (7.25%) | ₹10L Senior (7.75%) |
|---|---|---|---|---|
| 1 Year (4 Quarters) | ₹5,37,220 | ₹5,39,882 | ₹10,74,439 | ₹10,79,764 |
| 2 Years (8 Quarters) | ₹5,77,199 | ₹5,82,944 | ₹11,54,398 | ₹11,65,889 |
| 3 Years (12 Quarters) | ₹6,20,166 | ₹6,29,442 | ₹12,40,331 | ₹12,58,885 |
| 5 Years (Tax Saver 80C) | ₹7,15,919 | ₹7,33,860 | ₹14,31,838 | ₹14,67,720 |
For tenures of 6 months or more, RBI guidelines require Indian banks to compound FD interest quarterly (every 3 months), yielding a higher effective annual yield than simple interest.
Banks deduct 10% TDS only when annual FD interest at a bank exceeds ₹1,00,000 for Senior Citizens (60+) or ₹50,000 for regular citizens.