FD Calculator

FD me paisa rakhne se pehle jaan lein ki maturity par kitna milega. Ye calculator rakam, byaj dar aur saal ke hisaab se aapki FD ki poori value nikaal deta hai — compounding ke saath, jaise bank karta hai.

FD ka byaj kaise banta hai

Zyadatar bank FD par quarterly compounding karte hain — yaani har teen mahine ka byaj mool rakam me jud jaata hai aur agle quarter me us badhi hui rakam par byaj lagta hai. Isi liye FD ka asli return (effective yield) bataye gaye rate se thoda zyada nikalta hai.

FD ke fayde aur kamiyan

Fayda: return pehle se tay, market ka koi asar nahi, paisa surakshit. Bank me ₹5 lakh tak DICGC insurance bhi hota hai. Isi wajah se emergency fund aur 1-3 saal ke lakshya ke liye FD sabse theek hai.

Kami: return mehngai se thoda hi upar hota hai. Agar FD 7% de rahi hai aur mehngai 6% hai, to aapki asli badhotri sirf 1% ke aaspaas hai. Lambe samay ke lakshya ke liye sirf FD par nirbhar rehna paise ko peeche chhod deta hai.

Tax ka hisaab

FD ka byaj aapki income me judta hai aur slab ke hisaab se tax lagta hai. Ek tay limit se zyada byaj hone par bank TDS kaat leta hai. Agar aapki total income tax ke daayre me nahi aati, to saal ki shuruaat me bank ko Form 15G (senior citizen ke liye 15H) dekar TDS rukwa sakte hain.

2 chhoti tips

• Senior citizen ko aam taur par 0.5% zyada dar milti hai — ghar me buzurg hain to unke naam FD karwana faydemand.
• FD todne par penalty lagti hai aur byaj kam ho jaata hai. Isliye ek badi FD ki jagah 3-4 chhoti FD banayein — zaroorat par sirf ek todni padegi.

Teen asli misaal — number ke saath

Misaal 1 — aam FD. ₹5,00,000 ki FD, 7% dar, 5 saal, quarterly compounding. Maturity lagbhag ₹7,07,000 — yaani kareeb ₹2.07 lakh byaj.

Misaal 2 — senior citizen. Wahi ₹5 lakh, par senior citizen ko aam taur par 0.5% zyada milta hai — 7.5%. Maturity lagbhag ₹7,25,000. Sirf aadhe percent se ₹18,000 ka farak.

Misaal 3 — tax ka asar. Upar wali FD me ₹2.07 lakh byaj bana. Agar aap 30% slab me hain, to ismein se lagbhag ₹62,000 tax me chala jaayega. Haath me kareeb ₹1.45 lakh bacha — yaani asli return 7% nahi, lagbhag 4.9% nikla.

Log yahan galti kya karte hain

1. Tax ka hisaab na lagana. FD ka byaj poori tarah aapki income me judta hai aur slab ke hisaab se tax lagta hai. 30% slab wale ke liye 7% ki FD asal me ~4.9% deti hai.
2. Form 15G/15H na bharna. Agar total income tax ke daayre me nahi aati, to saal ki shuruaat me ye form dene se TDS katna hi band ho jaata hai. Warna refund ke liye ITR bharna padta hai.
3. Poora paisa ek hi FD me daalna. Zaroorat padne par poori todni padti hai aur penalty lagti hai. Laddering karein — ₹5 lakh ki ek ki jagah ₹1-1 lakh ki paanch FD.
4. Ek hi bank me badi rakam rakhna. Har bank me jama rakam par ₹5 lakh tak DICGC insurance hota hai (mool + byaj milakar). Badi rakam 2-3 banko me baantna zyada surakshit hai.
5. Chhote co-operative bank ke oonche rate ke peeche bhaagna. Wahan thodi zyada dar milti hai par risk bhi zyada hota hai.

Bharat me FD ki khaas baatein

• Compounding: zyadatar bank quarterly compounding karte hain. Isi liye 7% ki FD ka asli yield thoda zyada nikalta hai.
• Premature withdrawal: beech me todne par do nuksan — penalty (aam taur par 0.5-1%) aur byaj us samay tak ki dar par mil jaata hai, poori avadhi wali dar par nahi.
• Tax-saving FD: 5 saal ka lock-in hota hai aur Old Regime me 80C ki chhoot milti hai — par byaj phir bhi taxable rehta hai.
• Sweep-in FD: savings account se juda hota hai — zaroorat padne par paisa apne aap aa jaata hai. Emergency fund ke liye ye sabse suvidhajanak vikalp hai.
• Senior citizen: aam taur par 0.5% extra milta hai, aur unke liye byaj par TDS ki limit bhi zyada hoti hai.

FD ke saath ye tools bhi dekh lein

• RD Calculator — har mahine bachat ke liye
• PPF Calculator — tax-free vikalp
• Compound Interest Calculator
• FD vs RD Guide aur Post Office Yojana Guide

Aksar pooche jaane wale sawaal