Quarterly Compounding · Actual/365 & Actual/366

Fixed Deposit Ledger

Enter a principal, tenure and rate to run both of the bank's compounding schedules side by side — quarters anchored to your deposit anniversary, and quarters credited on the fixed financial-quarter-end dates.

Deposit Particulars

Form FD‑01
Round each quarter's interest to the nearest rupee
When off, only the final maturity amount is rounded. When on, every quarter's interest is rounded before it compounds into the next.

Method A · Anniversary Quarter

Quarters roll every 3 months from date of deposit
Maturity Amount
₹0
LedgerVerified
Qtr From To Leap Days Non-Leap Opening ₹ Interest ₹ Closing ₹
Total Interest
₹0
Quarters
0
Effective Annual Yield
0.00%
Total Yield (Absolute)
0.00%

Method B · Financial Quarter

Credited 30 Jun · 30 Sep · 31 Dec · 31 Mar
Maturity Amount
₹0
Qtr From To Leap Days Non-Leap Opening ₹ Interest ₹ Closing ₹
Total Interest
₹0
Quarters
0
Effective Annual Yield
0.00%
Total Yield (Absolute)
0.00%

Method C · Simple Interest

No compounding — one calculation for the full tenure
Maturity Amount
₹0
Period From To Leap Days Non-Leap Principal ₹ Interest ₹ Closing ₹
Total Interest
₹0
Periods
0
Effective Annual Yield
0.00%
Total Yield (Absolute)
0.00%

Method D · Full Months + Residual Days

Whole calendar months at 1/12, leftover days at 1/365
Maturity Amount
₹0
Period From Period To Days / Months Principal ₹ Rate Interest ₹ Cumulative ₹ Balance ₹ Credit Date
Total Interest
₹0
Periods
0
Effective Annual Yield
0.00%
Total Yield (Absolute)
0.00%

Full calendar months between deposit and maturity are weighted at rate × months⁄12 on the original principal; the leftover days short of a full month are weighted at rate × days⁄365. Both components use the original principal throughout — interest doesn't compound between the two rows, it simply accumulates and is credited once at maturity.