FD, RD aur PPF: 3 alag tarah ka badhna.
FD, RD aur PPF saath-saath, har ek ke interest ke saath.
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Fixed deposit
₹5,00,000.00 par 7% se 60 mahine mein maturity ₹7,07,389.10 hai. Usme ₹2,07,389.10 interest hai.
Ek fixed deposit, sab kuch katne ke baad
- Aap jama karte ho₹5,00,000.00
- Jo interest banta hai₹2,07,389.10
- Maturity ka bada figure · wahi figure jo bank batata hai₹7,07,389.10
- 31.20% par tax · aapka slab aur uske upar cess₹64,705.40
- Tax ke baad · maturity par rupaye₹6,42,683.70
- Aaj ke paison mein kitna kaam aata hai · tax aur aapke daale inflation ke baad — 0.14% saalana₹5,03,559.50
Tax ke baad aur inflation se pehle 5.15% saalana. Dono ke baad 0.14% saalana. Interest har quarter ke aakhir mein judta hai. Isliye effective rate quote kiye rate se zyada hai. Interest par aapke chune slab aur cess se tax lagta hai. Aakhri row aapka inflation input use karti hai. Yeh hisaab hain, forecasts nahi.
Bada figure sab kuch katne ke baad kitna reh jaata hai
- Jo bacha, aaj ke paison mein₹5,03,559.50
- Mehngai ne jo le liya₹1,39,124.20
- Aapke chune slab par tax₹64,705.40
Yeh 3 hisse milkar ₹7,07,389.10 ka bada figure bante hain. Aapke daale slab aur inflation par, unme se ₹5,03,559.50 hi woh hai jo aaj ke bhaav par kaam aata hai.
Quarter-dar-quarter schedule (20 rows)
| Kaunsa period | Shuruaat | Interest | Aakhir |
|---|---|---|---|
| Quarter 1 | ₹5,00,000.00 | ₹8,750.00 | ₹5,08,750.00 |
| Quarter 2 | ₹5,08,750.00 | ₹8,903.13 | ₹5,17,653.13 |
| Quarter 3 | ₹5,17,653.13 | ₹9,058.93 | ₹5,26,712.05 |
| Quarter 4 | ₹5,26,712.05 | ₹9,217.46 | ₹5,35,929.52 |
| Quarter 5 | ₹5,35,929.52 | ₹9,378.77 | ₹5,45,308.28 |
| Quarter 6 | ₹5,45,308.28 | ₹9,542.89 | ₹5,54,851.18 |
| Quarter 7 | ₹5,54,851.18 | ₹9,709.90 | ₹5,64,561.07 |
| Quarter 8 | ₹5,64,561.07 | ₹9,879.82 | ₹5,74,440.89 |
| Quarter 9 | ₹5,74,440.89 | ₹10,052.72 | ₹5,84,493.61 |
| Quarter 10 | ₹5,84,493.61 | ₹10,228.64 | ₹5,94,722.25 |
| Quarter 11 | ₹5,94,722.25 | ₹10,407.64 | ₹6,05,129.88 |
| Quarter 12 | ₹6,05,129.88 | ₹10,589.77 | ₹6,15,719.66 |
| Quarter 13 | ₹6,15,719.66 | ₹10,775.09 | ₹6,26,494.75 |
| Quarter 14 | ₹6,26,494.75 | ₹10,963.66 | ₹6,37,458.41 |
| Quarter 15 | ₹6,37,458.41 | ₹11,155.52 | ₹6,48,613.93 |
| Quarter 16 | ₹6,48,613.93 | ₹11,350.74 | ₹6,59,964.68 |
| Quarter 17 | ₹6,59,964.68 | ₹11,549.38 | ₹6,71,514.06 |
| Quarter 18 | ₹6,71,514.06 | ₹11,751.50 | ₹6,83,265.55 |
| Quarter 19 | ₹6,83,265.55 | ₹11,957.15 | ₹6,95,222.70 |
| Quarter 20 | ₹6,95,222.70 | ₹12,166.40 | ₹7,07,389.10 |
Har file mein har rate ka source aur check date likhi hai. CSV 2 files mein aata hai, figures aur unke sources.
PPF ka default 7.1% 1 October 2026 se 31 December 2026 ke liye notify hua tha aur 5 October 2026 ko jaancha gaya. Small-savings rates har quarter badalte hain, isliye chalu quarter dekh kar rate type kijiye.
FD mein 1 baar deposit hota hai. Poore tenure mein interest har quarter judta hai. RD mein har mahine 1 instalment jaati hai. Har instalment alag samay tak badhti hai. PPF lambe tenure ki scheme hai. Isme deposit ka din matter karta hai. Calculator saare 3 ka alag hisaab aur comparison dikhata hai. FD-RD interest par aapke slab se tax ghatata hai. Phir maani hui inflation se aaj ke paise mein bachi rakam dikhata hai.
FD mein poora deposit poore tenure tak badhta hai. RD mein har instalment ka apna samay hota hai.
PPF mein mahine ki 5 tareekh tak pahuncha paisa us mahine ka interest kamata hai — baad mein pahuncha nahi.
FD aur RD ka interest aapke slab par taxable hai. PPF ka nahi. Headline usse pehle ka number hai, neeche wala uske baad ka.
Yeh rate nahi chunta — jo rate aap daaloge, wahi lagega.
Yeh calculator kya karta hai aur kya nahi
Yeh calculator kya karta hai
- Ek baar jama ki gayi rakam (FD) ka badhna nikaalta hai, di gayi tenure aur rate par, quarterly compounding se — aur poora quarter-by-quarter schedule dikhata hai.
- Har mahine jama hone wali instalment (RD) ka alag alag samay gin kar kul rakam nikaalta hai, aur yeh bhi ki monthly-compounding wala shortcut formula kitna zyada bata deta hai.
- PPF mein deposit ka din gin kar interest nikaalta hai: 5 tareekh tak pahuncha paisa us mahine count hota hai, baad ka nahi — aur dono ka farak alag dikhata hai. Saal ka scheme cap bhi lagata hai.
- Saare 3 ko ek saath compare karta hai — same monthly amount, aapke daale hue rates par — headline, tax ke baad, aur aaj ke paise mein.
- FD aur RD ke interest par aapke slab aur cess ka tax ghata kar, phir aapki maani hui inflation ke baad aaj ke paise mein kitna bacha, yeh dikhata hai. PPF ka interest tax-free hai aur waisa hi ginta hai.
Yeh kya nahi karta
- Kaunsa account chunna chahiye, yeh nahi batata. Compare sirf arithmetic hai, recommendation nahi.
- Aaj ka rate nahi jaanta — rate aapko dena hota hai. PPF ka pre-filled rate ek dated reference hai jise har quarter check karna padta hai.
- TDS ki katauti, penalty aur samay se pehle nikalne ke niyam isme nahi hain.
Method aur assumptions dekho
Method
- FD: jama rakam par interest har quarter compound hota hai.
- RD: har monthly kisht jitne samay jama rehti hai, utne samay quarterly compound hoti hai.
- PPF: interest saal mein ek baar judta hai, har mahine 5 tareekh ke baad ke sabse kam balance par.
- FD aur RD ke interest par tax aapke slab rate se lagta hai. PPF ka interest tax-free hai.
Yeh kya maan kar chalta hai
- Aapka type kiya rate poori term ke liye maana gaya hai.
- Aaj ke paise ka figure aapke type kiye inflation rate se hai.
Sources, effective dates aur exclusions
- Calculation ki date
- aaj
PPF rate latest notified rate se shuru hota hai. Form mein har rate aap badal sakte ho.
Source: The Ministry of Finance (Budget Division) quarterly small-savings rate notification, and the Public Provident Fund Scheme, 2019 — G.S.R. 915(E) dated 12 December 2019 Source ka naam English mein hai.
- Rules kab se lagu
- 1 Oct 2026
- Source kab publish hua
- listed nahi
- Aakhri review
- 5 Oct 2026
Shaamil nahi
- Live market prices. Yahan har price aap khud type karte ho.
- Bank ka kaata hua TDS.
- Deposit jaldi band karne ki penalty.
Isse kya badal sakta hai?
- Jo rate aap daalte ho. Yahan koi bank quote nahi hota. PPF ka default ek dated notification hai jise har quarter dobara check karna hai.
- Compounding ka tareeka. FD aur RD har amount par alag quarterly compound hote hain. PPF saal mein ek baar, 5 tareekh ke baad ke sabse kam balance par credit hota hai.
- PPF mein deposit ka din. 5 tareekh tak pahuncha paisa us mahine ka interest kamata hai. Baad mein pahuncha nahi.
- Aapka slab aur maani hui inflation. FD aur RD ka interest slab plus cess par taxable hai. PPF exempt hai. Inflation result ko aaj ke paise mein badalti hai.
Ek baar jama, aur har mahine jama
Ek baar jama ki gayi rakam ka hisaab seedha hai: woh poore samay tak lagi rehti hai. Har mahine jama hone wali rakam ka hisaab isse alag hai — pehli instalment poora samay paati hai, aakhri instalment sirf ek mahina.
ek baar jama (FD):
kul = deposit × (1 + rate per quarter) ^ (kitne quarters)
har mahine jama (RD):
har instalment ka apna samay hai, isliye har instalment alag badhti hai
kul = har instalment ke alag alag hisaab ka jod5 TAREEKH
PPF mein deposit ka din kyun matter karta hai
PPF ka interest har mahine us balance par ginta hai jo 5 tareekh ke baad se mahine ke aakhir tak sabse kam tha. Matlab: paisa 5 tareekh tak account mein pahunch gaya toh woh poore mahine ka interest kamata hai. 6 tareekh ko pahuncha toh us mahine ka kuch nahi — interest agle mahine se shuru hota hai. Interest saal mein ek baar, March ke aakhir mein credit hota hai.
Isliye calculator se deposit ka din poochhta hai, aur 2 numbers dikhata hai: aapke din par kitna bana, aur 5 tareekh tak pahunchne par kitna banta. Farak chhota lagta hai, lekin 15 saal mein woh jama hota hai, aur wahi is page ka sabse useful takeaway hai.
TULNA
Saare 3 ko ek saath dekhna, aur woh kya nahi hai
Compare wala tab saare 3 par same monthly amount lagata hai — FD ke liye har mahine ek nayi FD, RD ki instalment, PPF ka deposit — aur aapke daale hue rates par 3 numbers saath rakhta hai: headline, tax ke baad, aur aaj ke paise mein.
Yeh arithmetic ki tulna hai, product ki salah nahi. Lock-in, , safety aur aapki apni zaroorat isme nahi hain — woh sawaal calculator ke bahar hain.
TAX AUR MEHNGAI
Headline se aage: tax aur inflation ke baad
FD aur RD ka interest aapki income mein jud kar aapke slab par taxable hota hai — calculator aapke daale hue slab par cess jod kar tax ghatata hai. PPF saare 3 stages par tax-free hai, isliye uska number waisa hi rehta hai. TDS jaan-boojh kar nahi ghataya gaya, kyunki woh tax ka advance payment hai, alag tax nahi.
Uske baad inflation: aapki apni assumption, koi forecast nahi. Woh sirf yeh dikhata hai ki maturity ke din woh rakam aaj ke paise mein kitni hogi. Isi liye aakhri number headline se kaafi chhota dikh sakta hai — aur wahi kaam ka number hai.
DHYAN
Kul jama aur kul bani rakam alag hain
Sabse aam galti in dono ko ek maan lena hai. Kul jama woh hai jo aapne apni jeb se daala. Kul bani rakam usme badhat jodne ke baad ka number hai.
Calculator dono alag dikhata hai. Dono ka antar hi aapki badhat hai, aur wahi ek number hai jise dekh kar tulna ki ja sakti hai — sirf maturity amount dekh kar nahi.
Yeh figure aksar kaise galat padha jaata hai
- Compare table ko ranking samajh lena. Yeh aapke daale rates par arithmetic hai. Saare 3 products lock-in, tax ke tareeke aur guarantee dene wale mein alag hain, aur inme se kuch bhi table mein nahi.
- Recurring deposit par monthly compounding lagana. Bank ki RD har instalment ke apne tenure par quarterly compound hoti hai. Monthly shortcut maturity badha kar dikhata hai, aur calculator batata hai kitna.
- Maan lena ki PPF deposit jis din aaya us din se kamata hai. Mahine ka interest 5 tareekh aur aakhri tareekh ke beech ke sabse kam balance par hai. 5 tareekh ke baad ka deposit agle mahine se kamata hai.
ISKE BAAD KYA
SAWAAL JAWAB
Aksar poochhe jaane wale sawaal
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