FD Interest Calculator 2026: FD Ka Byaj Kaise Nikale — 1 Lakh, 5 Lakh, 10 Lakh FD Me Kitna Interest Milta Hai (SBI, HDFC, ICICI, Post Office)
FD Interest Calculator 2026: FD Ka Byaj Kaise Nikale — 1 Lakh, 5 Lakh, 10 Lakh FD Me Kitna Interest Milta Hai (SBI, HDFC, ICICI, Post Office)
Ek line me sach: Agar aap ₹1 lakh ki FD 5 saal ke liye 7% rate par karte ho, toh maturity par ₹1.41 lakh milega — yani ₹41,000 ka pure byaj, bina koi risk liye. Lekin agar aap FD ko sahi tarike se plan karo, toh ye ₹45,000+ bhi ho sakta hai. Fark? Tenure aur bank ka selection.
Fixed Deposit (FD) India ka sabse purana aur trusted savings instrument hai. Yahan aap ek baar paisa lagate ho, aur ek fixed rate par, ek fixed tenure ke liye, guaranteed return milta hai. Koi market risk nahi, koi ups and downs nahi. Sirf stable, predictable income.
Is page par diya gaya FD Interest Calculator 2026 aapko exact maturity amount, total interest aur year-wise breakdown deta hai. SBI, HDFC, ICICI, Post Office, IDFC, AU Bank — kisi bhi bank ke rate ke sath compare karo, aur 2 second me decision lo. Regular aur Senior Citizen — dono options available hain.
2026-27 Me FD Interest Rates — Kya Kuch Badla Hai?
RBI ne pichle kuch mahino me repo rate me adjust kiya hai, jiske baad FD rates me bhi changes aaye hain. Lekin competitive banks aur small finance banks me aaj bhi achhe rates mil rahe hain:
- Post Office FD: 7.5% p.a. (5 saal tak) — Government guaranteed[reference:0]
- SBI FD: 6.50% - 7.00% p.a. (1-10 saal)[reference:1]
- HDFC FD: 6.35% - 7.25% p.a. (1-10 saal)[reference:2]
- ICICI FD: 6.50% - 7.25% p.a.[reference:3]
- Small Finance Banks (AU, Ujjivan): 7.25% - 8.25% p.a.
- IDFC First: 6.75% - 7.75% p.a.
Senior citizens ko har jagah 0.50% extra milta hai. Yeh unke liye ek bada advantage hai, kyunki ₹10 lakh ki FD par 0.50% extra interest saal me ₹5,000 ka additional income banata hai[reference:4].
FD Ka Byaj Kaise Nikale — Bank Formula (Hindi + Hinglish)
Dekho, FD me interest quarterly compounding par milta hai — yani har 3 mahine me interest jud kar principal me add ho jaata hai, aur next quarter me us increased amount par bhi interest milta hai. Isi wajah se FD ka byaj simple interest se thoda zyada hota hai[reference:5].
Bank ke andar ka formula ye hai:
Aur Interest = A − P.
Example: ₹1,00,000 × 7% × 5 Saal
- P = ₹1,00,000
- r = 7/100 = 0.07
- t = 5
- A = 1,00,000 × (1 + 0.07/4)^(4×5) = ₹1,41,478
- Total Interest = ₹41,478
Yani ₹1 lakh ki FD 5 saal me ₹41,478 ka interest degi — yahi actual return hai. Agar aap 10 saal tak chhodo, toh ₹1 lakh ₹2 lakh ke aas paas ho jaayega (compound interest ka kamaal).
1 Lakh FD Me Kitna Interest Milta Hai? — Full Table
Yeh sabse common sawal hai. Niche 7% annual rate par different tenure ke liye calculate kiya hua table dekho:
| Tenure | Maturity Amount | Total Interest |
|---|---|---|
| 1 Saal | ₹1,07,186 | ₹7,186 |
| 2 Saal | ₹1,14,888 | ₹14,888 |
| 3 Saal | ₹1,23,143 | ₹23,143 |
| 5 Saal | ₹1,41,478 | ₹41,478 |
| 10 Saal | ₹2,00,159 | ₹1,00,159 |
Yani 10 saal me ₹1 lakh ka aapka paisa double ho jaata hai — 7% rate par, bina koi risk liye.
5 Lakh Aur 10 Lakh FD — Quick Comparison
Different FD amounts ke liye 7% rate par comparison:
| FD Amount | 5 Saal Maturity | Total Interest |
|---|---|---|
| ₹50,000 | ₹70,739 | ₹20,739 |
| ₹1,00,000 | ₹1,41,478 | ₹41,478 |
| ₹5,00,000 | ₹7,07,389 | ₹2,07,389 |
| ₹10,00,000 | ₹14,14,778 | ₹4,14,778 |
| ₹25,00,000 | ₹35,36,945 | ₹10,36,945 |
Dekh rahe ho? ₹10 lakh ki FD 5 saal me ₹4.14 lakh ka byaj degi — yani monthly average ₹6,900 ka passive income[reference:6]. Yeh retirement planning ya regular income ke liye ek badiya option hai.
Post Office FD Interest Calculator 2026
Post Office Time Deposit India me sabse safe FD option hai — Government of India ki guarantee, aur tax benefit under 80C (5 saal ki FD me). Current rate 5 saal ke liye 7.5% p.a. hai[reference:7].
| Tenure | Rate (Regular) | Rate (Senior +20 bps) |
|---|---|---|
| 1 Saal | 6.9% | 7.1% |
| 2 Saal | 7.0% | 7.2% |
| 3 Saal | 7.1% | 7.3% |
| 5 Saal | 7.5% | 7.7% |
Post Office FD ka ek bada fayda — minimum ₹1,000 se shuru kar sakte ho, aur maximum ki koi limit nahi. 5 saal ki FD me Section 80C ke tahat ₹1.5 lakh tak deduction milta hai.
SBI FD Interest Calculator 2026 — Aaj Ki Rates
SBI ki FD rates 2026 me ye hain[reference:8]:
- 1 saal: 6.80% p.a.
- 2 saal: 7.00% p.a.
- 3 saal: 6.75% p.a.
- 5 saal: 6.50% p.a.
Senior citizens ko SBI me 0.50% extra milta hai. SBI ki "Amrit Kalash" scheme (400 din) me 7.10% (general) aur 7.60% (senior) milta hai[reference:9].
HDFC FD Interest Calculator 2026
HDFC Bank ki FD rates 2026 me 7.25% tak hain (18 mahine ke liye)[reference:10]. Senior citizens ko 0.50% extra milta hai. HDFC ka "Sweep-in" FD aur "Super Saver" FD bhi popular hai, jisme current account ke sath auto-sweep facility milti hai.
ICICI FD Interest Calculator 2026
ICICI Bank ki FD rates 6.50% - 7.25% ke beech hain (15 mahine ke liye max 7.25%)[reference:11]. Senior citizens ko 0.50% extra. ICICI ki "iWish" FD aur "Tax Saver" FD popular options hain, aur online FD open karne par thodi extra rate mil sakti hai.
IDFC First Bank FD Interest Calculator 2026
IDFC First Bank ki FD rates competitive hain aur regular FD customers ke liye special rates hain. Senior citizens ko IDFC me 0.75% extra milta hai — jo market me sabse zyada hai.
AU Small Finance Bank FD Interest Calculator 2026
AU Small Finance Bank ki FD rates market me sabse attractive hain (7.25% - 8.25% p.a.). AU Bank RBI ke DICGC insurance ke tahat ₹5 lakh tak safe hai[reference:12], aur Small Finance Bank hone ke naate rates bhi achhi hain.
FD Interest Par Tax — 2026-27 Ke Naye Niyam
Budget 2025 me FD interest par TDS ki limit badha di gayi hai. Ab FY 2026-27 ke liye ye rules hain[reference:13]:
- TDS limit (Regular): ₹50,000 saalana (pehle ₹40,000 thi)
- TDS limit (Senior Citizen): ₹1,00,000 saalana (pehle ₹50,000 thi)
- TDS Rate: 10% (agar PAN diya ho), warna 20%
- Form 15G/15H: Agar aapki income tax slab me nahi hai toh TDS bachane ke liye submit karein
- Interest fully taxable: Aapki income me add hota hai, tax slab ke hisab se tax lagta hai[reference:14]
FD Ka Byaj Calculate Karte Waqt Common Galtiyan
- Quarterly compounding ignore karna: FD me interest quarterly compound hota hai, simple nahi
- Premature withdrawal penalty: Beech me nikalo toh 0.5%-1% penalty lagti hai
- TDS ignore karna: Interest ₹50,000+ (regular) ya ₹1 lakh+ (senior) par TDS kat jaata hai
- Reinvestment plan bhoolna: Maturity par aapko reinvest karna chahiye warna compound ka fayda adhura reh jaata hai
- Laddering na karna: Ek badi FD ke bajaye kai choti FDs alag alag tenure me karo — isse flexibility milti hai[reference:15]
FD Kab Lena Chahiye — Practical Guidance
- Idle paisa hai: Savings account me pada paisa FD me daalo aur byaj kamayo
- Emergency fund: 6 mahine ka kharach alag FD me rakho — liquid aur safe
- Target goals: Shadi, ghar, gaadi ke liye 3-5 saal ka FD plan karo
- Retirement income: Senior citizens ke liye FD best passive income source hai
- Tax saving: 5 saal ki FD 80C ke tahat deduction deti hai
Apna FD Interest Abhi Calculate Karen
2026 me smart saver bane — FD amount, rate aur tenure daal kar turant apna maturity amount dekhen.
Frequently Asked Questions (FAQs)
Nishkarsh — Smart Saver Bane
FD India ka sabse safe aur reliable savings instrument hai. Chahe ₹10,000 ki choti FD ho ya ₹10 lakh ki badi — guaranteed return, zero risk, aur predictable income. Lekin sahi bank aur sahi tenure ka selection zaroori hai.
Yeh FD Interest Calculator 2026 aapko exact maturity amount, total interest aur quarterly breakdown deta hai. SBI, HDFC, ICICI, Post Office, IDFC, AU Bank — kisi bhi bank ke rate ke sath compare karo, aur best offer choose karo.
Yaad rakho — FD me paisa safety ke sath badhta hai, aur compound interest ka fayda lene ke liye jaldi shuru karo.
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