FD Interest Rate Calculator India

Solve the implied nominal and effective rates from FD maturity payouts using authoritative math.

By Pawan

Formula

i^{(m)} = m \left[\left(\frac{A}{P}\right)^{1/(mn)} - 1\right]

Principal (₹) *

Original deposit without accrued interest.

Maturity Amount (₹) *

Total payout (principal + interest) from FD receipt.

Tenure (years) *

Convert months to years for accuracy (e.g., 18 months = 1.5 years).

Compounding Frequency (per year) *

Quarterly = 4 for banks, monthly = 12 for reinvestment schemes.

Inverts the compound interest relationship to reveal nominal and effective FD rates.

Lets investors decode implied rates from post office or corporate FD payout tables.
Grounded in Broverman’s nominal vs effective rate equivalence for EEAT credibility.
Supports compliance by showing both nominal and effective returns.

Broverman, S.A. (2015). Mathematics of Investment and Credit (6th ed.). Chapter 1, Section 1.2, pages 8-10; Example 1.10, pages 31-32.

M.Tech Data Science, BITS Pilani | Mathematics, Statistics, Linear Algebra & Discrete Mathematics

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