Calculate Your Fixed Deposit Returns
Plan your investments better
Fixed deposit variants
NRI Fixed Deposit Calculator
Calculate your return to invest better
Frequently asked questions
An FD Calculator is an online tool that helps you figure out how much you’ll earn from your fixed deposit. Just enter the amount you want to invest, the interest rate, and the tenure—and it instantly shows your estimated interest and total maturity value. No need for manual math or spreadsheets.
Here’s how you can calculate it easily using the FD calculator:
First, choose whether you're a senior citizen or a regular investor.
Then, pick the FD type—whether you want interest payouts (monthly, quarterly, etc.) or a lump sum at the end.
The calculator sets today’s date as the start date.
Enter how much you want to invest.
Choose the tenure in years, months, or days—whatever works best for you.
The tool will do the rest—instantly showing the interest rate, total interest, maturity date, and final amount you’ll receive.
Absolutely. With Bajaj Finance Fixed Deposits, you can choose to receive your interest payouts every month. In fact, you can also pick quarterly, half-yearly, or annual payouts—whatever works best for your financial planning. Use the FD calculator to see how much you'll earn with each option.
The maturity amount is what you get when your FD term ends. It includes the amount you invested (called the principal) plus all the interest you have earned over the duration of the deposit.
The key difference is how and when you receive the interest. In a cumulative FD, the interest keeps compounding and you get the full amount (principal + interest) at the end of the term. In a non-cumulative FD, you receive interest at regular intervals—monthly, quarterly, half-yearly, or annually—depending on what you choose.
You can start a Fixed Deposit with Bajaj Finance with an investment of just Rs. 15,000. It’s a simple and accessible way to grow your savings securely.
Senior citizens can earn attractive returns of up to 7.30% p.a. on Bajaj Finance Fixed Deposits, helping them grow their savings securely and steadily.
If you are below 60, you can still enjoy competitive FD rates with Bajaj Finance—going up to 6.95% p.a. depending on the amount and tenure you choose.
With Bajaj Finance, you can start an FD for as little as 12 months, or lock in your investment for up to 60 months, based on your financial goals.
The FD calculator uses the compound interest formula, taking into account your deposit amount, interest rate, tenure, and how often interest is compounded (monthly, quarterly, or annually). This gives you a close estimate of how much your investment will grow over time.
While the calculator doesn’t directly show tax deductions, it helps you estimate your total earnings. You can then use that figure to understand how much tax you might owe, depending on your tax bracket and any TDS that applies.
Absolutely. An FD calculator lets you try out different combinations by changing the deposit amount, tenure, and FD type. Whether you're planning for the short term or long term, it helps you compare returns across various scenarios so you can pick what suits your financial goals best.
For large investments, an FD calculator ensures clarity on interest earnings, maturity amounts, and timelines. It allows you to evaluate different tenure and payout options, enabling better financial planning and helping you maximise returns while avoiding miscalculations.
To avoid TDS on your FD interest, you’ll need to submit Form 15G (if you're under 60) or Form 15H (if you're a senior citizen). These forms let the bank or financial institution know that your total income is below the taxable limit, so TDS won’t be deducted.
This usually means your FD doesn’t earn compound interest or the interest is being paid out to you regularly. In a non-cumulative FD, for example, the interest is paid out monthly or quarterly, so the final maturity amount remains the same as what you initially invested.
If your total income is below the taxable limit, you can submit Form 15G (if you’re below 60) or Form 15H (if you’re a senior citizen) to the bank or NBFC to avoid TDS on your FD interest. Make sure to do this at the start of the financial year for smooth processing.
This usually happens if the FD was closed early, before interest could be earned, or if deductions like TDS or penalties were applied. In rare cases, it could also be a zero-interest FD. It’s best to check with your bank or NBFC for the exact reason.
Yes, in most cases, if you withdraw your FD before it matures, there’s a small penalty. This usually means you’ll earn a lower interest rate than originally promised. It’s a good idea to check the specific terms with your financial institution before you decide to close your FD early.
It’s super simple and takes just a minute:
Pick your category – are you a regular investor (below 60) or a senior citizen?
Choose between cumulative or non-cumulative FD.
Enter the amount you plan to invest.
Select the tenure that suits you.
The calculator will then show you how much interest you’ll earn and the final amount you’ll receive at maturity.
If you're looking to plan better, the Bajaj Finance FD Calculator can help you check returns beforehand—making your investment journey smoother and more confident.
Most FD calculators don’t account for taxes automatically. But you can still estimate your post-tax returns by factoring in TDS (Tax Deducted at Source) or income tax manually. For detailed tax planning, it’s best to speak with a tax advisor.
Absolutely. The FD calculator is a flexible tool—you can tweak the deposit amount, tenure, customer type, and interest payout mode to see how your returns change. It's a great way to test out different plans and see what works best for your financial goals.
When you're investing a large sum, even a small variation in interest or tenure can make a big difference. A fixed deposit calculator gives you clarity on how much you’ll earn, when you’ll earn it, and helps you compare options—so you can plan smarter and avoid surprises.
Many users enter the wrong deposit amount or tenure, select the wrong customer type (like regular instead of senior citizen), or get confused with payout frequencies. Just double-check your details before calculating to make sure the results reflect what you’re actually planning.
If you’re looking to invest a sizeable amount, an FD calculator can be a handy tool. It shows you exactly what returns to expect, helps compare interest rates across tenures, and gives clarity on your earnings. This makes it easier to plan, manage risks, and get the most out of your investment.
