FD & RD Calculator एफडी और आरडी कैलकुलेटर
Fixed Deposit ya Recurring Deposit ki maturity value estimate karein — quarterly compounding ke saath, jaisa zyadatar Indian banks use karte hai.
Years + Months (jaise 2 years 6 months)
Total Deposited
₹0
Interest Earned
₹0
Maturity Value
₹0
Quarterly compounding assume kiya gaya hai — apne bank ka exact compounding method thoda vary kar sakta hai.
Jaankari
FD vs RD — kab kya better hai
💰 Fixed Deposit
Ek saath lump-sum paisa hai (jaise property becha, bonus mila) to FD behtar — poora paisa din 1 se interest kamata hai.
📅 Recurring Deposit
Salary/mazdoori se har mahine thoda bacha sakte hai to RD behtar — discipline ke saath saving ki aadat banti hai.
💡 Tax note
FD/RD interest par TDS katata hai agar ek saal mein interest ₹40,000 (senior citizens ke liye ₹50,000) se zyada ho. Form 15G/15H bank mein jama karke, agar aapki income taxable nahi hai, to TDS bachaya ja sakta hai.
FAQ
अक्सर पूछे जाने वाले सवाल
FD (Fixed Deposit) maturity kaise calculate hoti hai?+
Zyadatar Indian banks FD par quarterly compounding karte hai: Maturity = Principal x (1 + rate/400)^(4 x years). Yeh compound interest hai, simple interest nahi.
RD (Recurring Deposit) FD se kaise alag hai?+
FD mein ek saath poora paisa jama karte hai. RD mein har mahine ek fixed amount jama karte hai — dono par interest milta hai, lekin RD un logo ke liye better hai jo thoda-thoda saving karna chahte hai.
Senior citizens ko extra interest kyu milta hai?+
Zyadatar banks senior citizens (60+ age) ko FD/RD par 0.25% se 0.75% extra interest dete hai — yeh apne bank se confirm kar lein.
Yeh free tool ग्राम दर्पण team ne banaya hai — Mundakhera village (Badli, Jhajjar, Haryana) ka digital panchayat portal.