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3-year FD, pre-filled
This page opens the FD Calculator with the tenure already set to 3 years, so you can go straight to entering your actual deposit amount and rate.
The maturity value at the calculator's defaults
At the default ₹1,00,000 deposit and 7% rate with quarterly compounding — the Indian bank standard — a 3-year FD matures to ₹1,23,144, earning ₹23,144 in interest.
Change the deposit amount or rate
Both the principal and rate fields stay fully editable — enter the exact figures from your bank's current rate card for a precise maturity value.
FD Calculator Pre-Filled to 3 Years
This is the FD Calculator with the tenure field already set to 3 years, so you can jump straight to entering your deposit amount and rate. At the calculator's own defaults of ₹1,00,000 and 7% with quarterly compounding, it matures to ₹1,23,144.
Quarterly Compounding, the Indian Bank Standard
Indian banks almost universally compound cumulative FDs quarterly, which is this calculator's default. The frequency selector lets you switch to monthly, half-yearly or annual if your specific scheme compounds differently — the maturity value updates instantly either way.
Editing Away From the 3-Year Default
The 3-year tenure is only a pre-fill — every field, including the tenure itself, the deposit amount and the rate, stays fully editable. Enter the exact terms from your bank's current rate card for a precise maturity figure.
Tool family
Base tool: FD Calculator
Frequently asked questions
What does a 3-year FD mature to?
At the calculator's default ₹1,00,000 deposit and 7% rate with quarterly compounding, a 3-year FD matures to ₹1,23,144 — ₹23,144 in interest. Both the amount and rate are fully editable.
Can I change the 3-year tenure?
Yes — the tenure is pre-filled to 3 years but stays fully editable, along with the deposit amount, rate and compounding frequency.
Which compounding frequency should I choose?
Quarterly is the standard for almost all Indian bank FDs and is this calculator's default. Some schemes compound monthly or annually — check your deposit receipt.
Is this the same formula as the main FD Calculator?
Yes — the identical compound interest formula, Maturity = P × (1 + r/f)^(f × t), just with the tenure pre-filled.