FD · Loni
FD Calculator for Loni
Calculate fixed deposit maturity in Loni, Uttar Pradesh. All major banks (SBI, HDFC, ICICI, Axis, BoB) and small finance banks have branches in Loni. Use this to compare deposit options before locking in.
Inputs
₹
₹1.0 K₹1.00 Cr
%
1.00%15.00%
yr
1 yr20 yr
Maturity value
₹1,90,556
Deposited
₹1,00,000
Interest
₹90,556
Compound growth
Quarterly · 6.50%
FD rates available in Loni (May 2026)
| Bank | 1 year | 3 year | 5 year |
|---|---|---|---|
| SBI | 6.25% | 6.40% | 6.50% |
| HDFC Bank | 6.25% | 6.45% | 6.40% |
| ICICI Bank | 6.50% | 6.70% | 6.50% |
| Axis Bank | 6.50% | 6.70% | 6.50% |
| Equitas / Ujjivan / AU SFB | 7.50–8.50% | 7.75–8.25% | 7.50–8% |
Senior citizens get +0.50% across all banks. DICGC insures up to ₹5L per depositor per bank.
FD vs other options for Loni savers
In Loni, lower cost of living means people often park larger amounts in FDs. But remember — FD interest is fully taxable as per slab. Anyone in 20%+ tax slab loses serious returns to taxes. PPF (7.1% tax-free) and ELSS (12% historical) usually win for amounts beyond emergency reserves.
TDS rules
- • TDS at 10% if FD interest exceeds ₹40,000/year (₹50,000 for seniors) per bank
- • 20% TDS if PAN not provided
- • Submit Form 15G (under 60) or 15H (60+) if total income is below taxable limit
- • Interest is fully taxable in your slab — TDS is just advance tax
Calculator works for any city. Generic FD calculator.