Fixed Deposit (FD) Calculator

Fixed Deposits (FDs) have long been a favoured choice for investors seeking stability and assured returns on their savings. With IndusInd Bank’s Fixed Deposit Calculator, you can easily estimate your returns before making an investment. Whether you're planning a short-term goal or long-term savings, our calculator gives you a quick snapshot of how your money can grow based on your inputs, like amount, tenure, interest type, and payout frequency. Just plug in your numbers and get instant results with no need for complex formulas or manual calculations.

Planning your investment should be simple, and that's exactly what the IndusInd Bank FD Calculator is designed for. Whether you're a first-time investor or someone fine-tuning a portfolio, here's how our tool makes FD planning smarter and easier: 

• Simple & Easy to Use

No guesswork, no confusion. Just enter a few details and get instant clarity. The calculator is built for everyone.

• Accurate Results, Every Time

With every calculation, you’ll get a clear picture of your potential earnings based on amount, tenure, and interest rate.

• Customise to Your Needs

Change the inputs. Try different tenures. Adjust the interest rate. You can explore multiple scenarios to see what works best.

• Quick, Real-Time Outputs 

See your estimated maturity amount and interest earnings in seconds. No formulas or spreadsheets required.

• Access It Anywhere

Whether you're at home, at work or travelling, the Fixed Deposit Calculator is available online 24/7. It’s ready whenever you are.

Using the IndusInd Bank’s FD returns calculator is simple and quick. It helps you plan your investment and estimate your returns in just a few steps: 

• Step 1. Choose the Customer Category:

Select whether you're a regular customer or a senior citizen. 

• Step 2. Pick the FD Type:

Choose between cumulative, monthly, or quarterly payout options.  

• Step 3. Enter the Deposit Amount:

Start by entering the amount you wish to invest. 

• Step 4. Select the Tenure:

Use the dropdown to set your preferred investment duration. 

Once you have filled these fields, you will be able to see maturity details on the right side. Details include the applicable interest rate, investment amount, the interest you will earn and the total amount (principal + interest) you will receive, and the maturity date on which you will receive it. 

• Step 5. Click on ‘Invest Now’:

Instantly open your FD with IndusInd Bank with just a few clicks. 

The calculator helps you compare different FD options so you can make informed decisions based on your financial goals.

Fixed Deposits aren’t one-size-fits-all, and at IndusInd Bank, they don’t have to be. Whether you're a young professional looking to grow your savings or a retiree seeking steady income, we’ve got tailored FD options to suit your needs.

Fixed Deposits for Regular Customers

Choose from flexible tenures starting at just 7 days and going up to 10 years. Our FDs offer reliable returns and the peace of mind that comes with a secure investment. You can also pick a payout option that fits your financial goals, be it cumulative or periodic.

Fixed Deposits for Senior Citizens 

If you’re a senior citizen, your money works a little harder here. With higher interest rates than standard FDs, this is an ideal option for creating a predictable income stream in your golden years, without compromising on safety.

Choose from a variety of FD types depending on your income needs and financial goals.

Reinvestment (Cumulative) FD

Interest is compounded quarterly and paid at maturity, helping you build wealth over time.

Quarterly Payout FD 

Ideal for those looking for a regular income. Interest is credited to your account every quarter.

Monthly Payout FD

Perfect for supplementing monthly expenses. Interest is disbursed every month, slightly adjusted for frequency.

Short-Term Deposit FD 

Ranging from 7 days to under 6 months, this option is great for parking surplus funds while earning fixed returns.

The maturity date is when your FD term ends, and you receive your invested amount along with the earned interest.

The maturity amount is the total sum you receive at the end of the FD tenure. It includes your initial deposit (principle) plus the interest earned during the investment period. This amount varies based on the interest rate, compounding frequency, and payout frequency.

How Interest is Paid: Monthly vs. Quarterly

Monthly payouts offer liquidity but with slightly lower returns compared to quarterly payouts. Cumulative FDs, on the other hand, pay a lump sum at the end of tenure. 

Limits on FD Investment Amounts and Tenures

Minimum deposit: ₹1,000 (may vary by branch or channel)

Maximum tenure: Up to 10 years

Short-term FDs: The tenure usually ranges between 7 and 180 days 

Understanding these aspects helps you choose the most suitable FD option for your needs.

The calculator uses the standard compound interest formula for cumulative FDs:

For simple interest FD:

M = P + (P x R x T/100), where –

M = Maturity amount

P = Principal amount that you deposit

R = Rate of interest per annum

T = Tenure in years

For compound interest FD:

M= P + P {(1 + I/100) t – 1},

Where:

P = principal amount

I = rate of interest per period

t = tenure

Ready to open your Fixed Deposit?

Now that you’ve understood how returns are calculated, why not take the next step?

With IndusInd Bank’s Fixed Deposits, your money doesn’t just stay safe—it grows with some of the most competitive interest rates in the industry. 

Whether you're planning short-term or long-term, our 100% digital booking process makes it easy to invest anytime, from anywhere. No paperwork. No branch visits. And yes, even if you're not an IndusInd Bank customer, you can open an FD in just a few clicks.

Let your money work harder while you sit back and plan your next move.

FD interest is calculated based on the principal amount, tenure, and applicable interest rate.

Residents

Residents can invest in Regular or Senior Citizen FDs, with tax-saving options also available under Section 80C (for those who choose the Old Tax Regime). Interest is taxable as per your income slab.

NRIs 

Non-Resident Indians can invest in Non-Resident External (NRE) and Non-Resident Ordinary (NRO) FDs:

NRE FD: Tax-free in India, principal and interest are fully repatriable.

NRO FD: Interest is taxable in India, suitable for income earned in India.