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How to Calculate Fixed Deposit Maturity Amount

How to Calculate Fixed Deposit Maturity Amount?

The maturity amount of a Fixed Deposit is a combination of deposit amount, deposit tenor, rate of interest, and interest payout frequency.

Here’ how maturity amount is calculated:

• Deposit amount: This is the amount of money you will deposit to open a Fixed Deposit. The higher the deposit amount, higher is the maturity amount.
• Deposit tenor: The amount of time you would stay invested in the Fixed Deposit. Usually, FDs have a lock-in period. Longer tenor results in higher maturity amount.
• Deposit type: There are two types of FDs: Cumulative and Non-Cumulative. Both have different frequencies of interest payouts.
• Interest rate: The percentage of interest that you can earn on your Fixed Deposit. Each financial institution offer different rates, ranging from 3% to 9%. Higher the rate, higher is the maturity amount.
The easiest way to calculate the maturity amount is to use an online FD Calculator and put in the above mentioned details. The calculator will give you the maturity amount without any manual work.

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