Banking & Savings
Choose and manage bank deposits by understanding access, contribution patterns, maturity, protection and product terms, then use calculators to explore FD, RD and PPF projections.
Choose a deposit
Fixed deposits: understand and manage
Overview
Fixed Deposit Explained
How principal, rate, tenure and compounding determine an FD’s maturity amount, with terms to compare before opening one.
5 min read
Guide
How FD Interest Is Calculated: Rate, Tenure and Compounding
How principal, rate, tenure and compounding periods produce an FD's interest earned and maturity amount.
8 min read
Guide
What Premature FD Withdrawal Can Change
The FD calculator estimates a normal full-tenure cumulative deposit. It does not calculate the actual amount payable if you close an FD early.
7 min read
Guide
FD Maturity and Renewal: What to Check Before Reinvesting
Check maturity instructions, access needs and renewed-deposit terms before receiving or reinvesting FD proceeds, with scoped RBI guidance on unpaid domestic deposits.
5 min read
Recurring deposits: understand and manage
Overview
RD Explained: Monthly Deposits, Interest and Maturity
How recurring monthly deposits, the entered rate and tenure build total deposits, estimated interest and RD maturity in the calculator.
7 min read
Guide
How RD Interest Is Calculated: Monthly Installments and Maturity
How beginning-of-month RD installments receive different growth periods and combine into total deposits, interest and estimated maturity.
7 min read
Guide
Why an RD Calculator Projection May Differ From Actual Maturity
Why deposit dates, product terms, missed installments and other events can make actual RD maturity differ from a generic calculator estimate.
7 min read
Guide
Managing an RD: Instalments, Early Closure and Maturity
Check RD instalment terms, changed contribution ability, early-closure treatment and maturity records without assuming universal penalties or calculator-guaranteed proceeds.
4 min read
Deposit safety
Overview
PPF Explained: Contributions, Interest, Tenure and Maturity
How PPF contributions, notified rates, deposit timing and the statutory maturity framework relate to an illustrative calculator projection.
8 min read
Guide
How PPF Interest Is Calculated: Contribution Timing, Rate and Maturity
The PPF calculator's annual projection mechanics, and how its simplified timing differs from actual scheme interest eligibility and crediting.
8 min read
Guide
PPF Tenure and Extension Explained
How the PPF maturity period is defined and how continuation without deposits or extension with deposits works after maturity.
7 min read
Guide
Why a PPF Calculator Projection May Differ From Actual Maturity
Why constant-rate assumptions, annual modeled contributions and actual PPF account timing can produce different maturity values.
7 min read