Fixed Deposit Calculator — Sigma Tech India Banking Toolkit

Sigma Tech India · Banking

Fixed deposits, truthfully calculated.

Cumulative or payout. Senior-citizen rate. TDS handled at the right threshold. The maturity value, the in-hand after tax, and the post-tax yield — printed on an A4 statement.

01 Deposit Inputs

From the bank's deposit slip or your application form.

Deposit Amountprincipal

₹

Interest Ratep.a.

Compounding

Tenure · Years

Months

Days

Senior Citizen

Adds +0.50% to the rate (typical bank top-up).

Apply TDS

10% u/s 194A if interest > ₹40,000 (₹50,000 for seniors) per FY. PAN on record assumed.

Depositor Nameprints on PDF · optional

02 Maturity Snapshot

Live · updates on every change.

Maturity Value

₹0

Matures on —

Total Interest

₹0

— × principal

In-Hand (After TDS)

₹0

TDS · ₹0

Effective Yield (post-tax)

0.00%

Annualised, after TDS

Composition

Principal · ₹0 Interest · ₹0

Year-wise growth

Computed locally. TDS to Section 194A. Verify the card rate with your branch before booking.

Fixed Deposit Maturity Statement

Prepared for valued depositor.

Maturity Value

₹0

On the maturity date

Total Interest

₹0

Earned across tenure

In-Hand After TDS

₹0

Net amount realised

Post-Tax Yield

0.00 %

Annualised, after TDS

Deposit Particulars As Booked

Corpus growth · principal vs interest

Year-wise Growth Annualised

Tax & insurance. Tax Deducted at Source (TDS) under Section 194A is shown indicatively at 10% (20% if PAN is not on record). The threshold for TDS is ₹40,000 per FY for regular depositors and ₹50,000 for senior citizens. Form 15G/15H filing can suppress TDS for eligible depositors. Bank deposits in India are insured by DICGC up to ₹5 lakh per depositor per bank.