FD Premature Withdrawal Calculator

Calculator
Results

Original FD Details

Actual Holding Details

Rate applicable for your actual holding period

Penalty Details

Bank's penalty for premature withdrawal

Information
Enter the interest rate applicable for your actual holding period (check your bank's rate chart) and the penalty rate your bank charges for premature withdrawal.

FD Premature Withdrawal Results

Analysis of your premature FD withdrawal

Original FD Amount

₹5,00,000

Original Interest Rate

7.25%

Applicable Rate

6.50%

For actual holding period

Penalty Applied

1.00%

Bank's premature withdrawal penalty

Final Adjusted Rate

5.50%

After applying penalty

Interest Earned

₹38,500

Based on adjusted rate for actual tenure

Total Loss

₹77,500

Compared to original plan

Effective Yield

5.25%

Annualized return post-penalty

Maturity Value

₹5,38,500

Amount you'll receive on premature withdrawal

Comparison Chart

Visual comparison of original vs. premature withdrawal

Total Loss Due to Premature Withdrawal

₹77,500

12.58% of potential earnings lost

Original Maturity Value

₹6,16,000

If held till full tenure

Actual Maturity Value

₹5,38,500

After premature withdrawal