Indian Bank FD Interest Rates 2025 Calculator

Fixed Deposit Formula:

\[ A = P \times \left(1 + \frac{R}{100 \times 4}\right)^{4 \times T} \]

Maturity Amount (A):

Unit Converter ▲

Unit Converter ▼

From:	To:

1. What is the Indian Bank FD Interest Calculator?

The Indian Bank FD Interest Calculator helps you estimate the maturity amount of your fixed deposit investment with quarterly compounding interest. It uses the current interest rates offered by Indian Bank in 2025 to provide accurate projections.

2. How Does the Calculator Work?

The calculator uses the fixed deposit formula:

\[ A = P \times \left(1 + \frac{R}{100 \times 4}\right)^{4 \times T} \]

Where:

\( A \) — Maturity amount (currency units)
\( P \) — Principal amount (currency units)
\( R \) — Annual interest rate (%)
\( T \) — Time period (years)

Explanation: The formula calculates the maturity amount with quarterly compounding, which means interest is calculated and added to the principal four times per year.

3. Importance of FD Calculation

Details: Accurate FD calculation helps in financial planning, investment decision making, and comparing different investment options. It allows you to forecast your returns and plan your finances accordingly.

4. Using the Calculator

Tips: Enter the principal amount in currency units, annual interest rate in percentage, and time period in years. All values must be positive numbers to get accurate results.

5. Frequently Asked Questions (FAQ)

Q1: What are the current FD interest rates at Indian Bank in 2025?
A: Interest rates vary based on tenure and deposit amount. Please check Indian Bank's official website or visit your nearest branch for the most current rates.

Q2: How often is interest compounded in Indian Bank FDs?
A: Indian Bank typically compounds interest quarterly for fixed deposits, as shown in this calculator.

Q3: Are there any taxes on FD interest income?
A: Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS may be deducted if interest exceeds specified limits.

Q4: Can I withdraw my FD before maturity?
A: Yes, but premature withdrawal may attract penalties and result in lower interest rates. Terms vary based on the specific FD scheme.

Q5: Is there a minimum deposit amount for Indian Bank FDs?
A: Yes, Indian Bank typically has a minimum deposit requirement which may vary based on the type of FD and tenure.