FD Calculator India — Fixed Deposit Returns
Calculate FD maturity amount, interest earned, and compare top bank rates side by side
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FD Maturity Result
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FD Calculator India — Best Fixed Deposit Rates 2026
Fixed Deposits (FDs) are India's most popular guaranteed-return investment. With small finance banks now offering 8.5–9.5% p.a., FDs are back as a compelling option, especially for senior citizens and conservative investors.
Is FD interest taxable in India?
Yes — FD interest is added to your income and taxed at your slab rate. TDS of 10% is deducted by banks if interest exceeds ₹40,000/year (₹50,000 for senior citizens). Submit Form 15G/15H if income is below taxable limit.
Which bank gives highest FD rate in 2026?
Small finance banks like Unity Small Finance Bank, Suryoday SFB, and AU Small Finance Bank offer 8.5–9.5% p.a. for regular customers. Scheduled banks (SBI, HDFC) offer 6.8–7.5%. Higher rates come with slightly higher risk.