How can FD complement mutual fund investments?

FD Calculator

Principal amount

Interest earned

Currency

Deposit amount

₹

Interest rate (p.a)

Tenure

Principal amount ₹1,00,000

Interest earned ₹12,000

Maturity amount ₹1,12,000

Tools

How to use FD Calculator

On MutualMint (calculator-sip.com), this FD calculator helps mutual fund investors projecting SIP maturity values. Mutual fund SIP returns, corpus projection, and lumpsum comparison. Educational SIP return estimates for mutual fund planning.

How FD maturity is calculated

A Fixed Deposit locks a lump sum for a set tenure at a stated rate. Compounding frequency (monthly, quarterly, or yearly) changes the maturity value.

Compound interest maturity is approximately A = P × (1 + r/n)^(n×t), where P is principal, r is annual rate, n is compounding frequency per year, and t is tenure in years.

Worked example

₹5,00,000 at 7% for 5 years with quarterly compounding typically yields a higher maturity than simple annual compounding at the same headline rate.

Use the FD calculator to compare tenures and rates before booking a deposit.

FD planning tips

Ladder deposits across dates to manage reinvestment risk. Check premature-withdrawal penalties and senior-citizen rate benefits where applicable.

FD returns are generally more predictable than equity SIPs but may lag inflation after tax—match FDs to short- and medium-term goals.

Figures on MutualMint are estimates for education only—not financial, tax, or investment advice. Confirm rates, fees, and terms with your lender or fund house.

Commonly Asked Questions

FDs provide stability and guaranteed returns, complementing the growth potential of mutual funds. They're ideal for emergency funds, short-term goals, or as a conservative portion of your portfolio. A balanced portfolio includes both FDs and mutual funds.