Indian Banking & Fixed Income Calculators
Statutorily verified banking calculators for Indian retail investors, senior citizens, and depositors. Benchmark fixed deposits, annuity schemes, demand drafts, and regular monthly income vehicles with zero estimation errors.
Gold Jewellery Price & Making Charges Calculator
Calculate transparent gold jewellery invoices with 22K (916) and 18K (750) purity rates, making charges (8%–25%), stone weight deductions, 3% GST, BIS HUID fees, and old gold exchange credit.
Sovereign Gold Bond (SGB) Redemption & Returns Calculator
Calculate SGB premature exit and 8-year maturity payouts based on official RBI October 2026 redemption rates, 2.50% semi-annual interest, and Section 47(viic) zero tax exemption.
Home Loan Prepayment vs. Equity SIP Calculator
Compare home loan prepayment interest savings vs mutual fund SIP wealth creation under Budget 2024 rules (12.5% LTCG) and New Tax Regime zero Section 24(b) deduction.
SBI Annuity Deposit Scheme Calculator
Calculate equated monthly annuity payouts, total interest, and Section 194A TDS on lump sum deposits across 3, 5, 7, and 10 year tenures at official SBI interest rates.
SBI Demand Draft (DD) Charges Calculator
Calculate official draft issuance commission, 18% GST, online courier charges, and draft cancellation fees across all 4 statutory slabs.
SBI Multi Option Deposit (MOD) Calculator
Calculate auto-sweep surplus transfer, quarterly compounded term deposit interest, LIFO reverse sweep breaks, and extra wealth gained over standard 2.70% savings accounts.
SBI Amrit Vrishti (444 Days) & Amrit Kalash (400 Days) Special FD Calculator
Calculate maturity payouts at peak 7.25% p.a. (7.75% for seniors) across Special Tenure schemes, quarterly compounding, Section 194A TDS, and 90% loan against deposit.
SBI FD Premature Withdrawal Penalty Calculator
Calculate exact penalty (0.50% vs 1.00%), interest loss, and net payout when breaking an SBI Fixed Deposit before maturity under official RBI lesser rate guidelines.
LIC Policy Surrender Value & Bonus Calculator
Calculate Guaranteed Surrender Value (GSV) vs Special Surrender Value (SSV), simple reversionary bonus accrual, paid-up value, and capital loss across Jeevan Anand, Jeevan Labh, and Endowment plans.
Credit Card Cash Withdrawal Charges Calculator
Calculate upfront ATM cash advance fees (2.5% or min ₹500), 18% GST, and daily finance charges from Day 1 across SBI Card, HDFC, ICICI, Axis, and Kotak.
Senior Citizen Savings Scheme (SCSS) Calculator
Calculate quarterly pension income at 8.20% p.a., revised ₹30 Lakh single and ₹60 Lakh couple statutory caps, 5 & 8 year tenures, and Section 80TTB tax savings.
National Savings Certificate (NSC) Calculator
Calculate official 5-year maturity value at 7.70% p.a. annual compounding, Section 80C deemed reinvestment tax benefits (Years 1–4), and zero-TDS payout schedules.
Kisan Vikas Patra (KVP) Calculator
Calculate guaranteed doubling maturity payouts in 115 months (9Y 7M) at 7.50% p.a., official Ministry of Finance Table-5 premature exit schedules, and zero-TDS reporting.
Post Office Monthly Income Scheme (POMIS) Calculator
Calculate guaranteed monthly interest payouts at 7.40% p.a., statutory single (₹9L) and joint (₹15L) ceilings, premature exit penalties, and 5-year RD reinvestment.
Post Office Recurring Deposit (RD) Calculator
Calculate 5-year and 10-year maturity payouts at official 6.70% p.a. quarterly compounded interest, advance deposit cash rebates, and 50% loan eligibility under DoP rules.
Post Office Monthly Income Scheme (MIS) Calculator
Official quarterly interest rate payouts, joint account limits, and premature closure rules under Ministry of Finance notifications.
Statutory & Banking Accuracy Guarantee
All banking calculators reflect official Reserve Bank of India (RBI) notifications, State Bank of India domestic term deposit interest rates, and official service charges schedules. Calculations are deterministic and executed client-side without storing personal financial data.