National Housing Bank (NHB) FD Calculator
Calculate your fixed deposit returns with government-backed security and compare with other investment options
FD Calculation Results
9.8
Safety Score
Government-Backed Security
NHB FDs are backed by the Government of India, providing one of the safest investment options with guaranteed returns.
✓ Sovereign Guarantee
✓ RBI Regulated
✓ DICGC Insured
₹
Total Investment
-
💰
Total Interest
-
📈
Maturity Amount
-
📊
Effective Yield
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Tax Impact Analysis
Estimated TDS
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Post-Tax Returns
-
TDS Recommendation
Submit Form 15G/H if eligible
Compare with Other FD Options
NHB FD
Best Safety7.5%
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Post Office FD
Govt Backed7.1%
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Bank FD
Private6.8%
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Year-on-Year Growth
Inflation-Adjusted Real Returns
Nominal Returns
-
Inflation Impact (6%)
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Real Returns
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Create an FD Ladder for Better Returns
Spread your investment across multiple tenures to optimize returns and maintain liquidity.
Year 1
25% Amount
Year 2
25% Amount
Year 3
25% Amount
Year 4
25% Amount
Premature Withdrawal Rules
Understand the implications of breaking your FD before maturity.
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Penalty Charges
0.5-1% lower interest rate than contracted rate
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Minimum Tenure
3 months lock-in period for premature withdrawal
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Interest Payment
Interest paid for actual period at applicable rate
Multi-FD Portfolio Builder
Create a diversified FD portfolio with different amounts and tenures.
Total Portfolio Value: ₹0
Weighted Average Yield: 0%
Historical NHB Interest Rate Trends
Track how NHB FD rates have changed over time.
Insight: NHB rates have remained competitive with bank FDs, offering better safety.
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