Up to 7.85% return, rate benefit on renewal and deposits starting Rs. 25,000. Think It. Done


Home > Fixed Deposits > Learn

How Fixed Deposit is Calculated

How to Calculate Fixed Deposit Interest Rates?

The interest earned is the actual return of your Fixed Deposit. The rate of interest on FD and the frequency of interest define the amount of return on your FD investment. Most FDs pay a compound interest.

Following factors affect the interest amount:
-> Deposit or principal amount: Higher deposit amount means higher interest.
-> Deposit tenor: A longer tenor will result in higher interest.
-> Rate of interest: Higher percentage of interest rate means higher interest amount.
-> Type of deposit (Cumulative or Non-Cumulative): Cumulative FDs give better interest.
-> Frequency of interest : (Monthly/quarterly/half-yearly/ annually): Higher frequency can decrease the interest amount.
-> Type of customer (Senior citizen, new customer, and existing customer): Senior Citizens and existing customers get additional interest rate over the regular customers.
-> You can use the FD Online Calculator and enter all the above mentioned details to calculate your FD’s interest amount. The calculator automatically gives you the interest calculation without any manual work.

Fixed Deposit - Request a Call Back

Please enter your first and last name
Please enter 10 digits mobile number

Subscribe to our Newsletter

People Also Considered

Loan Against Fixed Deposit

Secured and hassle-free finance for all your needs


Mutual Fund

The smart way to generate wealth via diversified investments


Flexi Loan

Withdraw when you need, prepay when you can

Home Loan People Considered Image

Home Loan

High top up amount on Balance Transfer