RBI Quarterly Compounding Benchmark
Fixed Deposit (FD) & RD Calculator
Calculate maturity values for Fixed Deposits (FD) and Recurring Deposits (RD) with authentic RBI quarterly compounding. Features senior citizen bonus rates and Section 194A TDS threshold alerts.
Guaranteed Maturity Payout
₹2,86,452at 7.25% p.a.
Interest Profit: ₹86,452 (5 Years Tenure)
Total Deposit Amount
₹2,00,000
Lumpsum principal
Sec 194A TDS Status
Zero TDS (Under ₹40k)
Est. ₹17,290/year interest
₹
7.25%
5 Years
Senior Citizen Special Rate (+0.50%)
Age 60 years or above qualifies for higher interest & ₹50k TDS limit
Interest Compounding Schedule
Total Deposit Amount₹2,00,000
Compounded Quarterly Interest+₹86,452
Maturity Value at 5 Years₹2,86,452
Average Annual Interest Income₹17,290 / year
Avoid 10% TDS with Form 15G / 15H:
If your total taxable income is below the basic exemption limit, you can submit Form 15G (or Form 15H for senior citizens) to your bank at the start of the financial year to prevent 10% TDS deduction on your deposit interest.