Fixed Deposit aur Recurring Deposit maturity amount calculate karein
FD (Fixed Deposit) me aap ek saath lumpsum amount jama karte hain. RD (Recurring Deposit) me har mahine ek fixed amount jama hota hai. Dono me interest rate lagbhag same hota hai.
Zyaadatar banks quarterly compounding use karte hain: Maturity = P × (1 + r/4)^(4×t), jahan r annual rate hai aur t saal hain. Hamara calculator yeh automatically karta hai.
Haan, FD ka interest aapki income me jodkar slab rate se tax hota hai. Agar saal me interest ₹40,000 (senior citizens ke liye ₹50,000) se zyada ho toh bank TDS bhi kaatta hai.
Premature withdrawal par banks aam taur par 0.5% se 1% tak interest rate penalty lagate hain. Exact penalty bank ke rules par depend karti hai.
Zyaadatar banks senior citizens (60+) ko normal rate se 0.25% se 0.75% tak zyada interest dete hain.