Tier-2 widget · Banking Desk
FD Ladder Builder
Split a lumpsum into N staggered-maturity FDs so a slice matures every year. Captures longer-tenure interest rates AND gives you rolling annual liquidity for emergencies or reinvestment when rates move.
Ladder configuration
More rungs = more granular liquidity but smaller per-FD amounts.
Per-tenure rates (your bank's rate card)
Defaults match Q1 FY26 averages. Override with your actual bank's published rate card for accuracy.
Your ladder
| Rung | Tenure | Rate | Principal | Maturity | Interest |
|---|---|---|---|---|---|
| FD #1 | 1 year | 7.00% | ₹2.00 L | ₹2.14 L | ₹14,372 |
| FD #2 | 2 years | 7.15% | ₹2.00 L | ₹2.30 L | ₹30,455 |
| FD #3 | 3 years | 7.25% | ₹2.00 L | ₹2.48 L | ₹48,109 |
| FD #4 | 4 years | 7.25% | ₹2.00 L | ₹2.67 L | ₹66,592 |
| FD #5 | 5 years | 7.50% | ₹2.00 L | ₹2.90 L | ₹89,990 |
| Totals | ₹10.00 L | ₹12.50 L | ₹2.50 L | ||
Total gross maturity
₹12.50 L
Tax on interest @ 30%: ₹74,855
Post-tax maturity
₹11.75 L
Assumes TDS settled at slab via ITR
vs single longest-tenure FD
₹-1,40,301
Single 5y FD post-tax: ₹13.15 L
Year-1 rollover plan
When FD #1 matures
Principal returned
₹2.14 L
Reinvest as new 5y FD @
7.50%
Rolled-over maturity (5y later)
₹3.11 L
Repeat the rollover every year. After 5years, every FD in your ladder is on the longest tenure (= highest rate) but one still matures every year — that's the laddering advantage. If rates rise, the maturing FD captures the new higher rate immediately; if rates fall, the long-tenure FDs are locked at the older higher rate.
Math basis:RBI quarterly compounding for scheduled commercial banks. Tax on interest treated as slab-rate (TDS 10% deducted at source on interest > ₹40K/yr, settled via ITR). DICGC insurance covers ₹5L per depositor per bank — when laddering across > ₹5L, spread across multiple banks for maximum cover.
Compare FD vs Debt MF tax treatment at /calculators/fd-vs-debt-mf.