FD Ladder Calculator
Poora paisa ek lambi FD me daalne se liquidity kam ho jaati hai. FD "laddering" me rakam ko alag-alag saal ki FD me baant dete hain — har saal ek FD khulti hai, paisa haath me bhi rehta hai aur byaj bhi milta hai. Yahan uska hisaab dekhiye.
Neeche hisaab lagayein
Hisaab ke peeche ka tarika
Ladder me total rakam ko barabar hisso me baant kar 1, 2, 3... saal ki FD banate hain. Pehli FD 1 saal me maturity, doosri 2 saal me, aur aise hi. Har maturity par paisa haath me aata hai, jise aap dobara lambi FD me daal sakte hain.
Har FD = total ÷ kitni FD
1 saal, 2 saal, 3 saal... ki alag FD
Har saal ek FD khulti — liquidity + byaj dono
Isse ek saath poora paisa lock nahi hota, aur agar byaj dar badhti hai to maturity par nayi (zyada) dar wali FD me daal sakte hain. Ye risk aur return ka accha balance hai.
Number ke saath 3 udaharan
Misaal 1 — 5 saal ladder. ₹5 lakh ko 5 FD me — har ₹1 lakh, 1 se 5 saal ki. Har saal ek FD (~₹1 lakh + byaj) khulti rehti hai.
Misaal 2 — emergency ready. Ladder me har saal paisa haath me aata hai — kisi bhi saal zaroorat par ek FD milti hai, poora tod-na nahi padta.
Misaal 3 — badhti dar ka faayda. Agar byaj dar badhe, to jaise-jaise FD maturity hoti hai, aap nayi zyada dar par renew kar sakte hain.
Ye galtiyan aksar hoti hain
- Poora paisa ek FD me. Ek lambi FD me sab daalne se beech me zaroorat par poora todna padta hai (penalty ke saath).
- Premature penalty bhoolna. FD samay se pehle todne par 0.5-1% byaj kam milta hai — ladder isse bachata hai.
- TDS chhodna. Saal me ₹40,000 (senior ₹50,000) se zyada FD byaj par TDS katta hai — Form 15G/H de sakte hain.
- Byaj ko tax-free maanna. FD ka byaj poora taxable hai (aapke slab par) — PPF jaisa tax-free nahi.
- Sab FD ek bank me. Ek bank me ₹5 lakh tak hi insured hota hai (DICGC) — bade amount alag bank me baantein.
India me ye dhyaan rakhein
- Liquidity: Ladder se har saal paisa milta hai — emergency me poori FD todne ki zaroorat nahi.
- Dar ka faayda: Badhti byaj dar me maturity par nayi zyada dar par renew kar sakte hain.
- TDS: Saal me ₹40,000+ FD byaj par TDS. Income tax free hai to 15G/H form dein.
- Insurance: Ek bank me ₹5 lakh tak deposit DICGC se insured — bada paisa alag bank me rakhein.
Ek kadam aage
FD ladder ka asli jaadu "liquidity aur return dono" ek saath dene me hai. Agar aap poora ₹5 lakh ek 5-saal ki FD me daal dein, to beech me paisa chahiye to poori FD todni padegi — aur premature todne par 0.5-1% kam byaj milta hai. Ladder me aap us paise ko 1, 2, 3, 4, 5 saal ki alag FD me baant dete hain, taaki har saal ek FD apne aap maturity ho. Zaroorat par sirf us saal wali FD use karein, baaki chalti rahein — na penalty, na poora paisa block.
Ek smart faayda badhti byaj dar me milta hai. Maan lijiye aaj FD dar 7% hai par agle saal 8% ho jaati hai — ladder me har saal ek FD maturity hoti hai jise aap nayi (zyada) dar par renew kar sakte hain. Isse aap ek hi baar me poora paisa purani kam dar par lock nahi karte. Bas do baatein yaad rakhein: FD ka byaj poora taxable hai (aapke slab par), aur saal me ₹40,000 (senior citizen ₹50,000) se zyada byaj par bank TDS kaat leta hai — agar aapki income tax-free hai to Form 15G/15H dena na bhoolein. Ek bank me ₹5 lakh tak jama DICGC se insured hota hai, isliye bade amount ko alag bankon me baantna surakshit rehta hai.
Isi tarah ke aur hisaab ke liye FD Calculator aur RD Calculator bhi kaam ke hain — ek hi jagah se saara kaam nipat jaata hai.
Isse judey kaam ke tools
Aapke sawaal, seedhe jawab
FD ladder kya hota hai?
Total rakam ko alag-alag saal ki FD me baant dena, taaki har saal ek FD maturity ho.
Ladder ka faayda kya?
Liquidity (har saal paisa) + byaj dono milte hain, aur poori FD todni nahi padti.
Byaj par tax lagta hai?
Haan, FD ka byaj poora taxable hai aapke slab par. ₹40,000+ par TDS bhi.
Premature penalty se bachta hai?
Haan, har saal ek FD milti hai to poori FD samay se pehle todne ki zaroorat kam padti hai.
Kitni FD me baantein?
Aam taur par 3-5. Zaroorat aur byaj dar ke hisaab se tay karein.