Deposit Calculators

Q: What is the difference between TDR and STDR fixed deposits?

TDR (Term Deposit Receipt) pays interest periodically (monthly/quarterly), ideal for regular income. STDR (Special Term Deposit Receipt) compounds interest quarterly and pays everything at maturity, giving higher total returns through compounding.

Q: Is PPF better than FD for long-term savings?

PPF is generally better for long-term savings due to tax-free interest (EEE status), higher interest rates than most FDs, and government backing. However, PPF has a 15-year lock-in. FD offers more flexibility with tenures from 7 days to 10 years.

Q: How does inflation affect my FD returns?

If your FD earns 7% and inflation is 6%, your real return is only 1%. After tax (30% slab), the effective return might even be negative. Use our Inflation-Adjusted FD Calculator to see your true returns after inflation.

Calculate returns on Fixed Deposits, Recurring Deposits, PPF, and savings goals. Plan your safe investments with accurate interest calculations.

7 calculators available

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Savings Goal Calculator

Plan monthly savings to reach your financial goals. Calculate how much to save each month for a target amount.

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FD Calculator (TDR)

Calculate non-cumulative FD returns with periodic interest payouts. Ideal for regular income from deposits.

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FD Calculator (STDR)

Calculate cumulative FD returns with quarterly compounding. See how your deposit grows to maturity.

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Inflation-Adjusted FD

See real FD returns after accounting for inflation. Understand the true value of your fixed deposit.

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Inflation Impact Calculator

Visualize how inflation erodes money value over time. Plan for rising costs in the future.

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RD Calculator

Calculate Recurring Deposit maturity value. See how monthly deposits grow with compound interest.

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PPF Calculator

Calculate 15-year PPF returns with tax-free interest. Plan your long-term tax-saving investments.

Understanding Deposit Options in India

Bank deposits remain the safest investment option for risk-averse investors. With guaranteed returns and deposit insurance up to ₹5 lakh, FDs, RDs, and PPF form the foundation of conservative portfolios.

Comparison of Deposit Options

Feature	FD	RD	PPF
Investment Type	Lumpsum	Monthly	Flexible (yearly limit)
Lock-in Period	7 days to 10 years	6 months to 10 years	15 years
Interest Rate (2024)	6-7.5%	6-7%	7.1%
Tax on Interest	Taxable	Taxable	Tax-free (EEE)
Premature Withdrawal	Allowed with penalty	Allowed with penalty	Partial after 6 years

When to Choose Each Option

FD: When you have a lumpsum amount and want guaranteed returns for a fixed period
RD: When you want to save monthly and build a corpus gradually
PPF: For long-term, tax-free wealth creation with government safety

Frequently Asked Questions

What is the difference between TDR and STDR fixed deposits?

TDR (Term Deposit Receipt) pays interest periodically - monthly, quarterly, or half-yearly. This is ideal if you need regular income. STDR (Special Term Deposit Receipt) compounds interest quarterly and pays everything at maturity, giving slightly higher total returns through the power of compounding.

Is PPF better than FD for long-term savings?

For long-term savings (15+ years), PPF is generally better due to: (1) Tax-free interest and maturity (EEE status), (2) Higher interest rates than most FDs, (3) Government backing with zero risk. However, the 15-year lock-in is a constraint. FD offers flexibility with tenures from 7 days to 10 years.

How does inflation affect my FD returns?

If your FD earns 7% and inflation is 6%, your real (inflation-adjusted) return is only about 1%. After paying tax (e.g., 30% slab), the effective return might even be negative. Always consider real returns when planning long-term with fixed deposits.