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:
Start by selecting your category—senior citizen or regular investor.
Next, decide on the FD option: do you prefer receiving periodic interest payouts (monthly, quarterly, etc.) or a lump sum at maturity?
The calculator sets today’s date as the start date.
Enter the amount you would like to deposit.
Select your preferred tenure: Whether in years, months, or even days.
Once you fill in these details, the calculator instantly displays the applicable interest rate, total interest earned, maturity date, and the final payout you can expect.
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.
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.
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.
Yes. With Bajaj Finance FDs, you have the option to receive interest every month. If you prefer, you can also choose quarterly, half-yearly, or yearly payouts—or let the interest accumulate and receive the full amount at maturity. The FD calculator can help you see exactly how much you’ll earn under each option.
The maturity amount is the total sum you receive once your FD tenure ends. It includes both your original investment (the principal) and the interest earned during the deposit period.
The difference lies in how interest is paid out.
In a cumulative FD, the interest is compounded and added to your deposit, and you receive the lump sum (principal + interest) at maturity.
In a non-cumulative FD, the interest is paid out at regular intervals—monthly, quarterly, half-yearly, or annually—depending on what you choose.
You can start a Bajaj Finance FD with as little as Rs. 15,000, making it accessible to all types of investors.
Senior citizens can earn interest rates of up to 7.30% p.a., which is higher than the regular rates, providing them with a safe and rewarding way to grow their savings.
General investors can earn up to 6.95% p.a., depending on the tenure and amount invested.
You can invest in a Bajaj Finance FD for as short as 12 months or as long as 60 months, based on your financial plans.
The FD calculator uses the compound interest formula. It takes into account the deposit amount, interest rate, tenure, and compounding frequency (monthly, quarterly, etc.) to give you an accurate estimate of your maturity value.
The calculator itself doesn’t show tax deductions, but it does give you the total returns. You can then apply your tax bracket and TDS rules to see the post-tax earnings.
Yes. You can try out various combinations—changing the deposit amount, tenure, or payout option. This makes it easy to compare returns and pick the option that fits your financial goals.
For big-ticket deposits, the FD calculator helps you clearly see how much interest you’ll earn, the maturity amount, and when you’ll receive it. This makes planning easier and helps you choose the best tenure and payout option.
If your total income is below the taxable limit, you can submit Form 15G (if you’re under 60) or Form 15H (if you’re a senior citizen). Submitting these forms at the beginning of the financial year ensures smooth processing.
This can happen if:
You opted for a non-cumulative FD, where interest is paid out periodically instead of being added to the principal.
The FD was closed prematurely, so no interest accrued.
TDS or penalties were deducted.
In rare cases, it may be a zero-interest FD. It’s best to check with your bank or NBFC to confirm the reason.
Yes, premature withdrawals usually attract a small penalty. This typically means the interest rate applied will be lower than the original contracted rate. Always review the terms and conditions before breaking your FD.
Yes. The FD calculator is designed to be flexible—you can adjust the deposit amount, tenure, customer type (regular or senior citizen), and payout option to see how your returns change. It’s a simple way to explore multiple plans and find one that best fits your financial needs.
When you’re putting in a significant amount, even small differences in tenure or interest rates can affect your earnings. An FD calculator gives you a clear picture of your expected returns and maturity timeline, making it easier to compare options and plan with confidence.
Some common errors include entering the wrong deposit amount or tenure, choosing the incorrect customer category, or mixing up payout modes. Double-checking these details ensures the calculator reflects your actual investment plan and gives accurate results.
If you’re investing a large sum, an FD calculator can be very useful. It shows you your exact maturity value, helps compare interest across different tenures, and gives clarity on earnings. This way, you can manage risks better and maximise your returns.
