SmartBachao → 💳 FD Calculator India 2026 — Fixed Deposit Returns💳 FD Calculator India 2026 — Fixed Deposit Returns
💳 FD Calculator India 2026 — Fixed Deposit Returns
💳 FD Calculator India 2026 — Fixed Deposit Returns
FD में पैसे डालने पर कितना मिलेगा? Free calculator से जानें। Best FD rates 2026, tax, tips।
How much will you get from FD investment? Free calculator. Best FD rates 2026, tax, tips.
🗓 Last Updated: May 2026✍️ SmartBachao Editorial Team🔍 Fact checked: May 2026
💳 FD Calculator — Maturity Amount जानें
💳 FD Calculator — Know Your Maturity Amount
FD क्या है और कहाँ करें?
What is FD and Where to Do It?
Fixed Deposit (FD) सबसे popular और safe investment है India में। Bank में पैसे deposit करो — fixed tenure के लिए fixed return। Guaranteed return, no market risk। Emergency fund और short-term savings के लिए best।
Fixed Deposit (FD) is India's most popular and safe investment. Deposit money in a bank — fixed return for a fixed tenure. Guaranteed return, no market risk. Best for emergency fund and short-term savings.
Best FD Rates India 2026 — Major Banks
Best FD Rates India 2026 — Major Banks
Bank
1 Year Rate1 Year Rate
3 Year Rate3 Year Rate
Senior CitizenSenior Citizen
SBI
6.8%
6.8%
0.5% extra0.5% extra
HDFC Bank
7.0%
7.0%
0.5% extra0.5% extra
ICICI Bank
6.9%
7.0%
0.5% extra0.5% extra
Post Office
6.9%
7.1%
——
Small Finance BanksSmall Finance Banks
8-9%
8-9%
Higher (but more risk)Higher (but more risk)
नोट: ये approximate rates हैं। Actual rates check करने के लिए bank की website देखें। Rates बदलती रहती हैं।
Note: These are approximate rates. Check bank website for actual rates. Rates keep changing.
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DICGC Insurance
Scheduled banks में ₹5 lakh तक DICGC insurance। Bank डूबे तो भी ₹5 lakh safe।
DICGC insurance up to ₹5 lakh in scheduled banks. Even if bank fails, ₹5 lakh is safe.
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Senior Citizen Benefit
60+ age पर 0.25-0.50% extra interest। Senior citizens के लिए FD extra beneficial।
0.25-0.50% extra interest above 60 years of age. FD is extra beneficial for senior citizens.
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Tax on FD Interest
FD interest आपकी income में add होता है। Income tax slab के according tax लगता है।
FD interest is added to your income. Tax is charged according to income tax slab.
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Premature Withdrawal
Emergency में तोड़ सकते हैं — 0.5-1% penalty। Liquid investment है।
Can break in emergency — 0.5-1% penalty. It is a liquid investment.
FD vs Savings Account vs Inflation
FD vs Savings Account vs Inflation
Option
Return
Inflation (4%)Inflation (4%)
Real ReturnReal Return
Savings AccountSavings Account
3-3.5%
4%
Negative
FD (1 yr)
6.8-7%
4%
+2.8-3%
FD (3 yr)
7-7.5%
4%
+3-3.5%
PPF
7.1%
4%
+3.1% (tax-free)
SmartBachao Tip: FD को ladder strategy से करें — ₹1 lakh को 3 FDs में divide करें: ₹33,333 × 1 year, ₹33,333 × 2 year, ₹33,333 × 3 year। इससे liquidity भी रहती है और better rates भी मिलती हैं।
SmartBachao Tip: Use ladder strategy for FD — divide ₹1 lakh into 3 FDs: ₹33,333 × 1 year, ₹33,333 × 2 year, ₹33,333 × 3 year. This maintains liquidity while getting better rates.
FD के interest पर कितना tax लगता है?How much tax on FD interest?+
FD interest आपकी total income में add होता है। अगर total income ₹2.5 lakh से कम है — no tax। ₹2.5-5 lakh — 5% tax। ₹5-10 lakh — 20% tax। ₹10 lakh+ — 30% tax। TDS: Bank ₹40,000+ (senior ₹50,000+) interest पर 10% TDS काटती है।
FD interest is added to your total income. If total income is below ₹2.5 lakh — no tax. ₹2.5-5 lakh — 5% tax. ₹5-10 lakh — 20% tax. ₹10 lakh+ — 30% tax. TDS: Bank deducts 10% TDS on interest above ₹40,000 (₹50,000 for seniors).
Small Finance Bank FD safe है?Are Small Finance Bank FDs safe?+
RBI regulated हैं और DICGC insurance ₹5 lakh तक है। इससे ज्यादा amount है तो risk बढ़ता है। Higher rates = higher risk। Conservative investors के लिए SBI/HDFC/ICICI better है — even at slightly lower rates।
They are RBI regulated and DICGC insurance covers up to ₹5 lakh. Risk increases above this amount. Higher rates = higher risk. SBI/HDFC/ICICI is better for conservative investors — even at slightly lower rates.