Plan Your Fixed Deposits Wisely: Using Our FD Calculator for FY 2025-26
Fixed Deposits (FDs) are a cornerstone of safe investing in India, offering guaranteed returns and capital protection. For FY 2025-26, interest rates range from 5.5% to 7.5% across banks like SBI, HDFC, and ICICI. Seniors typically get an additional 0.5%. Use our Fixed Deposit Calculator to estimate maturity accurately.
Factors to Consider
- Interest Rates: SBI 6.5–7%; HDFC/ICICI up to 7.5%; Post Office 6.9–7.5%.
- Tenure: Short (1-2 yrs) for liquidity; 5-yr tax-saving FDs qualify for 80C.
- Compounding: Quarterly compounding edges out yearly. ₹5L at 7% for 5 yrs → ₹5.38L (Q) vs ₹5.35L (Y).
- Senior Citizen Benefits: Extra 0.25-0.5%.
- Premature Withdrawal: 0.5-1% penalty — check before locking.
Top FD Plans for FY 2025-26
- SBI: 6.5-7% for 1-5 yrs; Amrit Vrishti 400-day at 7.25%.
- HDFC Bank: 6.7-7.5% for 1-10 yrs.
- Post Office: 6.9-7.5% for 1-5 yrs, government-backed.
Ladder your FDs (split ₹15L into 1, 3, and 5-yr tranches) to balance liquidity and returns. FD interest is taxable; consider 5-yr tax-saving FDs. Calculate FD maturity →