What compounding do Indian FDs use?

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Compound Interest Calculator

Free compound interest calculator — compound a lump sum yearly, quarterly, or monthly.

Last updated 2026-09-18

Principal₹Rate%YearsyrsCompounds per year

Maturity

₹1,48,595

Interest

₹48,595

How it works

A = P (1 + r/n)^(n t).

How to use this calculator

Enter the inputs shown above (amount, rate, tenure, income, or other fields).
Read the live results — they update as you type.
Check the formula, worked example, and assumptions on this page before you decide.

Formula

A = P (1 + r/n)^(n t).

Worked example

₹1 lakh at 8% for 5 years, quarterly, matures around ₹1.49 lakh.

Reading the result

Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.

See also: calculation methodology and disclaimer.

Frequently asked questions

Many bank FDs compound quarterly. Use the FD calculator for that default.

Assumptions and limits

This is a planning estimate. Your lender, employer, or tax officer may use different inputs or rounding.

Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.

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