Festgeldrechner — Festgeldzinsen & Zinsertrag bei Fälligkeit
Berechnet die fest garantierten Zinserträge und das Endkapital bei termingebundener Festgeldanlage.
Formelherleitung & mathematische Grundlagen
Berechnet den fest vereinbarten Zinsanspruch zum Laufzeitende gemäß europäischer Zinsusance (act/act).
Variablendefinitionen & Maßeinheiten
Bank FD of ₹1,00,000 at 7.25% for 5 Years
TDS Rules on Fixed Deposit Interest
Under Section 194A of the Indian Income-tax Act, banks deduct Tax Deducted at Source (TDS) at 10% if total interest earned across all branches exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). If PAN is not provided, TDS is deducted at 20%.
Investors whose total income is below the taxable threshold can submit Form 15G (or Form 15H for senior citizens) at the beginning of the financial year to request zero TDS deduction.
Häufig gestellte Fragen zu Festgeldrechner
Why does bank FD yield exceed simple interest?
Because interest is credited and reinvested every quarter, subsequent quarters earn interest on prior interest, producing an effective annual yield higher than the nominal rate.
What extra interest do senior citizens get on FDs?
Most Indian public and private banks offer an additional 0.50% interest rate premium to senior citizens (aged 60 and above).
Can I withdraw my FD before maturity?
Yes, but banks typically charge a premature withdrawal penalty of 0.5% to 1.0% on the applicable interest rate for the period the deposit was held.
Are 5-year tax-saving FDs eligible for premature withdrawal?
No. 5-year tax-saving fixed deposits under Section 80C have a mandatory 5-year lock-in period with no premature liquidation or loan facility permitted.
Ähnliche Online-Rechner
Häufig zusammen mit Festgeldrechner verwendet.
Ratensparrechner
Berechnet die Zinsakkumulation und den Endbetrag bei monatlichen Einzahlungen auf ein Bank-Sparkonto.
Zinseszinsrechner
Simuliert das exponentielle Kapitalwachstum durch wiederangelegte Zinserträge über beliebige Anlagezeiträume.
Pensions- und Langzeitsparplanrechner
Simuliert staatlich geförderte oder langfristige Spar- und Pensionspläne mit festen jährlichen Einzahlungen.