TDS @ 10% deducted on interest above ₹40,000/year (₹50,000 for seniors).
TDS rules per Section 194A
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Year-by-Year Breakdown
InvestedInvestment value
Year
Invested
Returns
Value
1
₹5,00,000
₹35,930
₹5,35,930
2
₹5,00,000
₹74,441
₹5,74,441
3
₹5,00,000
₹1,15,720
₹6,15,720
4
₹5,00,000
₹1,59,965
₹6,59,965
5
₹5,00,000
₹2,07,389
₹7,07,389
End
₹5,00,000
₹2,07,389
₹7,07,389
Formula & SourceFD Calculator
M = P × (1 + R/100/n)^(n×Y)
where n = 4 (quarterly compounding)
Source: Standard FD calculation; RBI guidelines
Frequently Asked Questions
Added to your income and taxed at slab rate. TDS @ 10% if interest exceeds threshold.
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