Tool

FD Real Return Calculator

Estimate an after-tax, inflation-adjusted return using your assumptions. This simplified tool does not calculate TDS, your final tax liability or a bank's compounding schedule.

FD details

Deposit amount₹10.00L

FD interest rate (%)7.5%

Tenure (years)1 year

Assumed marginal tax rate on interest

Inflation rate (%)5.1%

Assume up to ₹50K eligible interest deduction in each modelled year (only if available for your year, age and regime; other interest may use this limit)

Illustrative rate assumptions (not bank quotes)

Your real return

7.5%

Advertised

→

0.14%

After tax + inflation

Breakdown

Gross interest earned₹75,000

Estimated tax (30% assumption)-₹22,500

Post-tax interest₹52,500

Post-tax rate5.25%

Inflation erosion-₹51,073

Real gain (purchasing power)₹1,427

Positive real return

Your ₹10.00L deposit will grow to ₹10.01L in real purchasing power after 1 year.

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