Apne FD ka complete picture dekho ā payout schedule se TDS deduction tak
Har saal ka interest, TDS, aur balance
| Year | Opening Bal. | Interest | TDS | Payout | Closing Bal. | Today's ā¹ |
|---|
Same deposit, same rate ā but payout method changes total earnings significantly!
All 5 payout modes ā same deposit, same rate
| Payout Mode | Payout Amount | Frequency | Total Payouts | Total Interest | Maturity Value | Total Earned |
|---|
Cumulative FD: Interest reinvest hota hai ā compounding ka benefit milta hai ā maturity pe zyada milta hai. Best for wealth building.
Non-Cumulative: Regular income milti hai ā monthly/quarterly/half-yearly/yearly. But since interest nikalta rehta hai, compounding ka full benefit nahi milta. Total earnings kam hoti hain. Best for retirees needing regular income.
Har ek payout ā date, amount, TDS, net amount
Every single payout listed
| # | Period | Gross Interest | TDS Deducted | Net Payout | Cumulative Paid |
|---|
TDS: Bank 10% TDS kaatta hai agar saal ka interest ā¹40,000 se zyada ho (ā¹50,000 for Senior Citizens). Agar PAN nahi diya toh 20% TDS lagta hai.
Tax Slab: FD interest fully taxable hai as per your income tax slab ā TDS sirf advance tax hai, final tax nahi.
Section 80TTB: Senior Citizens ko FD interest pe ā¹50,000 tak deduction milta hai.
Tip: Inflation ke baad FD ka real return often negative hota hai ā isliye FD ko emergency fund / short-term goal ke liye use karo, long-term wealth creation ke liye equity better hai.