Compound Interest Calculator India 2026 — Date to Date & Inflation Adjusted

Calculate compound interest for any principal, rate, compounding frequency, and period. Use date-to-date CI calculator for exact days. Get inflation-adjusted real return to see true wealth growth. Compare FD, PPF, SSY, EPF, and equity MF.

📈 A = P(1 + R/n)^(nT) 📅 Date-to-Date CI Calculator 🏭 Inflation Adjusted Real Return ✅ FD vs PPF vs MF vs SSY 🔰 Effective Annual Rate (EAR) ⏳ Rule of 72 — Doubling Time
Compound Interest Calculator India

Calculate Compound Interest

Enter principal, rate, compounding frequency, and time. See maturity amount, CI earned, effective annual rate, and year-wise growth.

📈 Principal, Rate & Time
₹1.00 L
₹1,000₹5 Crore
8%
1%20%
5 yrs
1 yr40 yrs
⏳ Compounding Frequency
✅ Quarterly: Bank FDs compound quarterly. EAR at 8% quarterly = 8.24%.
📅 Date-to-Date CI
₹5.00 L
₹1,000₹5 Crore
7.10%
1%20%
📅 Start & End Date
⏳ Compounding Frequency
📅 Uses exact calendar days for precise fractional-year calculation. RBI standard: actual days basis.
🏭 Nominal vs Real Return
₹1.00 L
₹1,000₹5 Crore
12%
1%20%
6%
1%15%
10 yrs
1 yr40 yrs
30%
0% (Tax-free)30% (Highest)
🏭 FD at 7% post-tax at 30% slab = 4.9% — less than 6% inflation = negative real return.
📈 Maturity Amount
₹0
loading...
🔰 EAR: 0%  |  Rule of 72: doubles in 0 yrs
📈 Compound Interest
₹0
CI earned
📉 Simple Interest
₹0
SI same rate
0% CI ratio
Principal CI CI extra vs SI
YEAR-WISE COMPOUND GROWTH
🚀 Get Investment Advice on WhatsApp
VR
Vikash Royal ARN-356458
B.E. | MBA Finance | NISM Certified | 7+ Years in Finance

📈 Compound Interest Calculator India — Growth of ₹1 Lakh at Different Rates

Maturity value of ₹1,00,000 across compounding frequencies and years. See how quarterly vs annual compounding adds up over time.

Rate 5 Yrs
Annual | Quarterly		 10 Yrs
Annual | Quarterly		 15 Yrs
Annual | Quarterly		 20 Yrs
Annual | Quarterly		 Rule of 72
6.00% ₹133,823 | ₹134,686 ₹179,085 | ₹181,402 ₹239,656 | ₹244,322 ₹320,714 | ₹329,066 12 yrs
7.00% ₹140,255 | ₹141,478 ₹196,715 | ₹200,160 ₹275,903 | ₹283,182 ₹386,968 | ₹400,639 10.3 yrs
7.10% (PPF/FD) ₹140,912 | ₹142,175 ₹198,561 | ₹202,136 ₹279,796 | ₹287,387 ₹394,266 | ₹408,591 10.1 yrs
7.70% ₹144,903 | ₹146,425 ₹209,970 | ₹214,402 ₹304,253 | ₹313,938 ₹440,874 | ₹459,682 9.4 yrs
8.00% ₹146,933 | ₹148,595 ₹215,892 | ₹220,804 ₹317,217 | ₹328,103 ₹466,096 | ₹487,544 9 yrs
8.20% (SSY) ₹148,298 | ₹150,058 ₹219,924 | ₹225,175 ₹326,144 | ₹337,894 ₹483,666 | ₹507,038 8.8 yrs
8.25% (EPF) ₹148,641 | ₹150,426 ₹220,942 | ₹226,281 ₹328,412 | ₹340,386 ₹488,155 | ₹512,031 8.7 yrs
10.00% ₹161,051 | ₹163,862 ₹259,374 | ₹268,506 ₹417,725 | ₹439,979 ₹672,750 | ₹720,957 7.2 yrs
12.00% (Equity est.) ₹176,234 | ₹180,611 ₹310,585 | ₹326,204 ₹547,357 | ₹589,160 ₹964,629 | ₹1,064,089 6 yrs
15.00% ₹201,136 | ₹208,815 ₹404,556 | ₹436,038 ₹813,706 | ₹910,513 ₹1,636,654 | ₹1,901,290 4.8 yrs

Teal = Annual | Green = Quarterly. At 8% for 20 years: Annual ₹4,66,096 vs Quarterly ₹4,85,947 — ₹19,851 more from quarterly compounding. Rule of 72: at 12% money doubles every 6 years.

📅 Compound Interest from Date to Date — ₹5 Lakh FD at 7.10% Quarterly

Exact maturity amount using actual calendar days for various deposit periods.

Period Days Compounding Periods Maturity Amount Interest Earned Effective Annual Rate Daily Return
3 Months 91 1.00 periods ₹508,850 ₹8,850 7.29% ₹97.26/day
6 Months 182 1.99 periods ₹517,858 ₹17,858 7.29% ₹98.12/day
9 Months 273 2.99 periods ₹527,024 ₹27,024 7.29% ₹98.99/day
1 Year 365 4.00 periods ₹536,456 ₹36,456 7.29% ₹99.88/day
13 Months 396 4.34 periods ₹539,673 ₹39,673 7.29% ₹100.18/day
18 Months 548 6.01 periods ₹555,723 ₹55,723 7.29% ₹101.68/day
2 Years 730 8.00 periods ₹575,571 ₹75,571 7.29% ₹103.52/day
3 Years 1095 12.00 periods ₹617,538 ₹117,538 7.29% ₹107.34/day
5 Years 1825 20.00 periods ₹710,873 ₹210,873 7.29% ₹115.55/day
10 Years 3650 40.00 periods ₹1,010,682 ₹510,682 7.29% ₹139.91/day

₹5,00,000 FD at 7.10% quarterly. EAR = 7.29%. For senior citizens at 7.60%: EAR = 7.82%.

🏭 Compound Interest Inflation Adjusted — Real Return Comparison India 2026

Nominal vs real (inflation-adjusted) return on ₹1 lakh over 10 years at 6% inflation.

Investment Nominal Return Maturity (10yr) Post-Tax Return
30% slab		 Real Return
vs 6% inflation		 Real Maturity
Today's money		 Verdict
Savings Account 3.50% ₹141,060 2.45% (Taxable) +2.45% ₹71,131 ✅ Beats inflation
Bank FD (SBI) 7.10% ₹198,561 4.97% (Taxable) +4.97% ₹90,697 ✅ Beats inflation
PPF 7.10% ₹198,561 7.10% (EEE) +7.10% ₹110,875 ✅ Beats inflation
NSC 7.70% ₹209,970 5.39% (Taxable) +5.39% ₹94,392 ✅ Beats inflation
SSY 8.20% ₹219,924 8.20% (EEE) +8.20% ₹122,804 ✅ Beats inflation
EPF 8.25% ₹220,942 8.25% (EEE) +8.25% ₹123,373 ✅ Beats inflation
ELSS/Equity MF 12.00% ₹310,585 10.50% (LTCG 12.5%) +10.50% ₹151,553 ✅ Beats inflation
NPS (Equity) 10.50% ₹271,408 8.40% (Partial) +8.40% ₹125,093 ✅ Beats inflation

PPF and SSY are EEE (Exempt-Exempt-Exempt) — zero tax at all stages. FD at 30% slab: post-tax 4.97% vs 6% inflation = -1.03% real return. LTCG on equity: 12.5% on gains above ₹1.25L (Budget 2024).

✅ Top Compound Interest Instruments India 2026

Rates, compounding frequency, tax treatment, and ₹1 lakh growth in 10 years.

Bank FD (SBI)
7.10% p.a.
Quarterly compounding
Quarterly compounding. Tax at slab rate. TDS above Rs 40,000/yr.
₹1L → ₹202,136 in 10yr | EAR 7.29%
PPF
7.10% p.a.
Annually compounding
Annual compounding. EEE tax-free. 15-year lock-in. Best safe return.
₹1L → ₹198,561 in 10yr | EAR 7.1%
NSC
7.70% p.a.
Annually compounding
Annual compounding. 80C benefit. 5-year lock-in. Interest taxable.
₹1L → ₹209,970 in 10yr | EAR 7.7%
Sukanya Samriddhi (SSY)
8.20% p.a.
Annually compounding
Annual compounding. EEE. Only for girl child. 21-year maturity.
₹1L → ₹219,924 in 10yr | EAR 8.2%
SCSS
8.20% p.a.
Quarterly compounding
Quarterly interest paid out (not compounded). For 60+ seniors.
₹1L → ₹225,175 in 10yr | EAR 8.46%
EPF
8.25% p.a.
Monthly compounding
Monthly compounding effectively. EEE. Employer contribution extra.
₹1L → ₹227,545 in 10yr | EAR 8.57%
Equity MF (est.)
12.00% p.a.
Annually compounding
Annual CAGR estimate. Market-linked. Best for 10+ year horizon.
₹1L → ₹310,585 in 10yr | EAR 12%
NPS (equity)
10.50% p.a.
Annually compounding
Annual CAGR estimate. 80CCD benefit. Partial withdrawal allowed.
₹1L → ₹271,408 in 10yr | EAR 10.5%

EAR = Effective Annual Rate. EPF monthly compounding gives EAR of 8.57% on stated 8.25%. SCSS pays interest as cash quarterly — not compounded (effectively simple interest).

💡 4 Smart Compound Interest Strategies India

Compounding is powerful — but only after understanding frequency, taxes, and inflation.

📈
Compounding Frequency Matters — Always Choose Quarterly Over Annual
₹5 lakh FD at 7.10%: Annual = ₹7,06,320 in 10 years. Quarterly = ₹7,16,026 — ₹9,706 more. Monthly = ₹7,18,033 — ₹11,713 more than annual. EAR formula: (1 + R/n)^n - 1. At 7.10% quarterly: EAR = 7.31%. Always compare FD rates using EAR, not stated rate. A bank offering 7.0% monthly compounding beats 7.1% annual compounding (EAR 7.23% vs 7.10%).
🔰
Rule of 72 — Your Mental Calculator for Compounding
Years to double = 72 divided by rate. PPF 7.1%: doubles in 10.1 years. EPF 8.25%: 8.7 years. Equity MF 12%: 6 years. At 15%: 4.8 years. Starting ₹1 lakh: PPF for 30 years = ₹8L approx. Equity at 12% for 30 years = ₹32L. Equity at 15% for 30 years = ₹76L. The difference between 7% and 15% over 30 years is ₹8L vs ₹76L.
✅
PPF + SSY: Best Tax-Free Compounding in India
PPF (7.1%) and SSY (8.2%) are fully EEE (Exempt-Exempt-Exempt) — tax-free at contribution, accumulation, and withdrawal. For 30% slab: PPF pre-tax equivalent = 10.14%. SSY equivalent = 11.71%. Maximise PPF (₹1.5L/year) and SSY (₹1.5L/year for girl child) before any taxable fixed-income investment. Government-backed, guaranteed, fully tax-free.
🏭
Inflation-Adjusted CI: FD Returns Are Often Negative in Real Terms
FD at 7.5% at 30% slab: post-tax = 5.25%. Real return = 5.25% - 6% = -0.75% (negative). ₹1 lakh FD for 10 years: nominal ₹2,06,103. Post-tax ₹1,65,316. In today's purchasing power: ₹92,317. You effectively lost ₹7,683 in real terms. Use FD only for emergency fund and short-term goals under 3 years. Build wealth with PPF, SSY, equity MF SIP, or NPS.

❓ Compound Interest Calculator India — Frequently Asked Questions

Most searched compound interest questions India 2026.

Formula: A = P × (1 + R/n)^(n × T), CI = A - P

Example: ₹1L at 8% quarterly for 5 years:
A = 1,00,000 × (1.02)^20 = ₹1,48,595. CI = ₹48,595.
SI same period = ₹40,000. CI extra = ₹8,595.

EAR = (1 + R/n)^n - 1. At 8% quarterly: EAR = 8.24%.
Rule of 72: Years to double = 72 / Rate. At 8%: 9 years. At 12%: 6 years.
Step 1: Count exact days between dates.
Step 2: T = Days / 365.
Step 3: A = P × (1 + R/n)^(n × T)

Example: ₹5L at 7.10% quarterly, 10-Jan-2024 to 10-Jul-2025:
Days = 547. T = 1.4986 years. n = 4.
A = 5,00,000 × (1.01775)^5.994 = ₹5,56,100. CI = ₹56,100.
Real Return = ((1 + Nominal) / (1 + Inflation)) - 1

FD at 7.5%, 30% tax slab: Post-tax = 5.25%. Real return = -0.71% (negative).

₹1L FD for 10 years: Nominal ₹2,06,103. Post-tax ₹1,65,316. Real (today's money) = ₹92,317. Real loss = ₹7,683.

Equity MF at 12% after LTCG: +4.5% real return. Always beats FD for 10+ year goals.
Ranked by effective post-tax return at 30% slab:

1. Equity MF SIP: 12-15% CAGR, LTCG 12.5%.
2. SSY 8.20% EEE — pre-tax equivalent 11.71%.
3. EPF 8.25% EEE — monthly compounding, tax-free.
4. PPF 7.10% EEE — pre-tax equivalent 10.14%.
5. NSC 7.70% taxable — post-tax 5.39%.
6. Bank FD 7.10% taxable — negative real return at 30% slab.

Maximise PPF + SSY + equity MF SIP for wealth building.
₹1,00,000 at 10% for 10 years:

SI = ₹1,00,000 total. Amount = ₹2,00,000.
CI annual = ₹2,59,374. CI earns ₹59,374 MORE.
CI quarterly = ₹2,68,506. CI monthly = ₹2,70,704.

Year 2: SI earns ₹10,000 on original ₹1L. CI earns ₹11,000 on ₹1,10,000. That gap compounds every year until Year 10 CI earns ₹23,579 while SI still earns ₹10,000.

📈 Make Compounding Work For You — Get a Personalised Investment Plan

The difference between 7% and 12% compounding over 20 years is ₹38.7L vs ₹96.5L on ₹10L invested. Vikash Royal will design a tax-efficient compounding plan combining PPF, SSY, equity MF SIP, and NPS. SEBI-Registered. ARN: ARN-356458

💬 Get My Compounding Plan on WhatsApp