{"id":145059,"date":"2026-08-18T06:44:52","date_gmt":"2026-08-18T06:44:52","guid":{"rendered":"https:\/\/thetaksalnews.com\/?p=145059"},"modified":"2026-08-18T06:44:52","modified_gmt":"2026-08-18T06:44:52","slug":"%e2%82%b950-%e0%a4%b2%e0%a4%be%e0%a4%96-%e0%a4%95%e0%a5%80-fd-%e0%a4%aa%e0%a4%b0-5-%e0%a4%b8%e0%a4%be%e0%a4%b2-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%95%e0%a4%bf%e0%a4%b8-%e0%a4%ac%e0%a5%88%e0%a4%82","status":"publish","type":"post","link":"https:\/\/thetaksalnews.com\/?p=145059","title":{"rendered":"\u20b950 \u0932\u093e\u0916 \u0915\u0940 FD \u092a\u0930 5 \u0938\u093e\u0932 \u092e\u0947\u0902 \u0915\u093f\u0938 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u092e\u093f\u0932\u0947\u0917\u093e \u091c\u094d\u092f\u093e\u0926\u093e \u092a\u0948\u0938\u093e? SBI, HDFC, ICICI \u0938\u092e\u0947\u0924 7 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u092a\u0942\u0930\u093e \u0939\u093f\u0938\u093e\u092c"},"content":{"rendered":"<article class=\"articlecontent\">\n<div id=\"cnt_j0QnRe\" class=\"container-wrapper one_column\">\n<div id=\"cnt_j0QnRe_control\" class=\"column-wrapper\">\n<div class=\"control-wrapper\">\n<div id=\"para_Ttbrkm\" class=\"jg_paragraph\">\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u20b950 \u0932\u093e\u0916 \u0915\u0940 \u092c\u0921\u093c\u0940 \u0930\u0915\u092e \u0939\u0948 \u0914\u0930 \u0906\u092a \u0907\u0938\u0947 \u092c\u093f\u0928\u093e \u091c\u094d\u092f\u093e\u0926\u093e \u091c\u094b\u0916\u093f\u092e \u0915\u0947 5 \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915 FD \u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0938\u0935\u093e\u0932 \u0939\u0948 \u0915\u093f \u0915\u093f\u0938 \u092c\u0948\u0902\u0915 (Bank) \u092e\u0947\u0902 \u20b950 \u0932\u093e\u0916 \u091c\u092e\u093e \u0915\u0930\u0928\u0947 \u092a\u0930 5 \u0938\u093e\u0932 \u092c\u093e\u0926 \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092a\u0948\u0938\u093e \u092e\u093f\u0932\u0947\u0917\u093e?<\/p>\n<h2>\u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092b\u093e\u092f\u0926\u093e \u0915\u093f\u0938\u092e\u0947\u0902?<\/h2>\n<p>\u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 ICICI Bank \u0915\u0940 6.50% \u0926\u0930 \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0939\u0948\u0964 \u20b950 \u0932\u093e\u0916 \u0915\u0940 FD \u0915\u0930\u0940\u092c \u20b969 \u0932\u093e\u0916 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948 \u092f\u093e\u0928\u0940 \u0932\u0917\u092d\u0917 \u20b919 \u0932\u093e\u0916 \u0915\u093e \u092c\u094d\u092f\u093e\u091c\u0964 \u0907\u0938\u0915\u0947 \u092c\u093e\u0926 Axis Bank \u092e\u0947\u0902 \u0915\u0930\u0940\u092c \u20b968.8 \u0932\u093e\u0916 \u0914\u0930 Kotak Mahindra Bank \u092e\u0947\u0902 \u0915\u0930\u0940\u092c \u20b968.2 \u0932\u093e\u0916 \u092c\u0928\u0928\u0947 \u0915\u093e \u0905\u0928\u0941\u092e\u093e\u0928 \u0939\u0948\u0964<\/p>\n<h2>\u0915\u0948\u0932\u0915\u0941\u0932\u0947\u0936\u0928 \u0938\u0947 \u0938\u092e\u091d\u093f\u090f<\/h2>\n<p>\u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u20b950,00,000 \u0915\u094b 5 \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f 6.50% \u0938\u093e\u0932\u093e\u0928\u093e \u092c\u094d\u092f\u093e\u091c \u0935\u093e\u0932\u0940 cumulative FD \u092e\u0947\u0902 \u0932\u0917\u093e\u092f\u093e \u0917\u092f\u093e\u0964 \u0905\u0917\u0930 \u092c\u094d\u092f\u093e\u091c \u0924\u093f\u092e\u093e\u0939\u0940 \u0915\u0902\u092a\u093e\u0909\u0902\u0921\u093f\u0902\u0917 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u091c\u094b\u0921\u093c\u093e \u091c\u093e\u090f, \u0924\u094b \u0917\u0923\u0928\u093e \u0915\u093e \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u0939\u094b\u0917\u093e<\/p>\n<p>\u092c\u0921\u093c\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 5 \u0938\u093e\u0932 \u0915\u0940 FD \u092a\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0915\u0930\u0940\u092c 6% \u0938\u0947 6.50% \u0915\u0947 \u092c\u0940\u091a \u0939\u0948\u0964 \u0935\u0939\u0940\u0902 \u0935\u0930\u093f\u0937\u094d\u0920 \u0928\u093e\u0917\u0930\u093f\u0915\u094b\u0902 \u0915\u094b \u0915\u0908 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div class=\"articlecontent\">\n<h2>\u20b950 \u0932\u093e\u0916 \u0915\u0940 FD \u092a\u0930 \u0915\u093f\u0938 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0915\u093f\u0924\u0928\u093e \u092a\u0948\u0938\u093e \u092e\u093f\u0932\u0947\u0917\u093e?<\/h2>\n<p>5 \u0938\u093e\u0932 \u0915\u0940 cumulative FD \u092e\u0947\u0902 \u092c\u094d\u092f\u093e\u091c \u0915\u094b \u0926\u094b\u092c\u093e\u0930\u093e FD \u092e\u0947\u0902 \u091c\u094b\u0921\u093c\u0915\u0930 \u0909\u0938 \u092a\u0930 \u092d\u0940 \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0940 \u0915\u0902\u092a\u093e\u0909\u0902\u0921\u093f\u0902\u0917 \u0915\u093e \u0935\u091c\u0939 \u0938\u0947 5 \u0938\u093e\u0932 \u092c\u093e\u0926 \u0930\u0915\u092e \u0938\u093e\u0927\u093e\u0930\u0923 \u092c\u094d\u092f\u093e\u091c \u0915\u0947 \u092e\u0941\u0915\u093e\u092c\u0932\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092c\u0928\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p><strong>Maturity Amount = P \u00d7 (1 + R\/4)^(4\u00d7T)<\/strong><\/p>\n<p><strong>\u091c\u0939\u093e\u0902:<\/strong><\/p>\n<p><strong>* P = \u20b950,00,000<\/strong><br \/>\n<strong>* R = 6.50%<\/strong><br \/>\n<strong>* T = 5 \u0938\u093e\u0932<\/strong><br \/>\n<strong>* Compounding = \u0938\u093e\u0932 \u092e\u0947\u0902 4 \u092c\u093e\u0930<\/strong><\/p>\n<p><strong>\u0907\u0938 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0930\u0915\u092e \u0915\u0930\u0940\u092c \u20b969.02 \u0932\u093e\u0916 \u092c\u0928\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0915\u0930\u0940\u092c \u20b919.02 \u0932\u093e\u0916 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/strong><\/p>\n<p>\u092f\u093e\u0928\u0940 \u20b950 \u0932\u093e\u0916 \u0915\u0940 \u0930\u0915\u092e 5 \u0938\u093e\u0932 \u092e\u0947\u0902 \u0915\u0930\u0940\u092c \u20b919 \u0932\u093e\u0916 \u092c\u0922\u093c \u0938\u0915\u0924\u0940 \u0939\u0948, \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 maturity \u092c\u0948\u0902\u0915 \u0915\u0947 \u0932\u093e\u0917\u0942 \u0928\u093f\u092f\u092e, compounding \u0914\u0930 FD \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0925\u094b\u0921\u093c\u0940 \u0905\u0932\u0917 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u092c\u0948\u0902\u0915 \u0915\u0947 FD calculators \u092d\u0940 maturity \u0915\u094b \u092c\u094d\u092f\u093e\u091c \u0926\u0930, \u0905\u0935\u0927\u093f \u0914\u0930 compounding \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964FD \u0938\u0947 \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u093e \u092c\u094d\u092f\u093e\u091c \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u091f\u0948\u0915\u094d\u0938 \u092b\u094d\u0930\u0940 (tax-free) \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 FD interest \u0906\u092a\u0915\u0940 taxable income \u092e\u0947\u0902 \u091c\u0941\u0921\u093c\u0924\u093e \u0939\u0948 \u0914\u0930 \u0906\u092a\u0915\u0940 \u0932\u093e\u0917\u0942 income-tax slab \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u091f\u0948\u0915\u094d\u0938 \u0932\u0917 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f \u092c\u0948\u0902\u0915 \u0915\u0947 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f\u0930 \u092e\u0947\u0902 \u0926\u093f\u0916\u0928\u0947 \u0935\u093e\u0932\u093e \u20b919 \u0932\u093e\u0916 \u0915\u093e \u092c\u094d\u092f\u093e\u091c \u091c\u0930\u0942\u0930\u0940 \u0928\u0939\u0940\u0902 \u0915\u093f \u092a\u0942\u0930\u093e \u092a\u0948\u0938\u093e \u0906\u092a\u0915\u0947 \u0939\u093e\u0925 \u092e\u0947\u0902 \u0906\u090f\u0964<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u20b950 \u0932\u093e\u0916 \u0915\u0940 \u092c\u0921\u093c\u0940 \u0930\u0915\u092e \u0939\u0948 \u0914\u0930 \u0906\u092a \u0907\u0938\u0947 \u092c\u093f\u0928\u093e \u091c\u094d\u092f\u093e\u0926\u093e \u091c\u094b\u0916\u093f\u092e \u0915\u0947 5 \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f&hellip;<\/p>\n","protected":false},"author":3,"featured_media":145060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-145059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-3"],"_links":{"self":[{"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/posts\/145059","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=145059"}],"version-history":[{"count":1,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/posts\/145059\/revisions"}],"predecessor-version":[{"id":145061,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/posts\/145059\/revisions\/145061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=\/wp\/v2\/media\/145060"}],"wp:attachment":[{"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=145059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=145059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thetaksalnews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=145059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}