Flexi Deposit Calculator India — FD Returns with Liquidity

Last updated: 29 April 2026 Reviewed by Deepa Krishnan, CFP

A **flexi deposit** (also called multi-option deposit or MOD) is a type of FD where you can withdraw in parts without breaking the entire FD. The remaining amount continues to earn FD interest. It is offered by most major banks as an alternative to standard FDs, giving you liquidity while still earning better than savings account rates.

Deposit Amount (₹)

Interest Rate (% p.a.)

Tenure (Years)

Tenure (Months)

Compounding Frequency

Maturity Amount —

Interest Earned —

Effective Annual Yield —

View Year-by-Year Breakdown

Real-World Examples — 2026

₹1 lakh deposit at 7% for 3 years (quarterly compounding)

Investing ₹1 lakh at 7% p.a. with quarterly compounding for 3 years yields ₹1,23,144. Effective annual yield is 7.19% — slightly higher than the nominal rate due to quarterly compounding.

₹5 lakh deposit for 5 years — FD vs RD

A ₹5 lakh FD at 7.1% for 5 years grows to approximately ₹7,08,867 (quarterly). Contrast with an RD of ₹8,333/month for 5 years at 7.1% — total deposited ₹5 lakh, maturity ₹5,99,714.

Frequently Asked Questions

How accurate is the Flexi Deposit Calculator?

The Flexi Deposit Calculator uses standard financial formulas. Results are indicative; actual figures depend on your lender or financial institution's policies.

Is the Flexi Deposit Calculator free to use?

Yes, the Flexi Deposit Calculator on CalcPhi is completely free with no registration required.

Are my data inputs stored?

No. All calculations happen in your browser. We do not store any of your financial data.

How often are the Flexi Deposit Calculator rates updated?

Rates in examples are updated periodically to reflect current market conditions. Always verify with your bank or advisor.

Can I use the Flexi Deposit Calculator on mobile?

Yes. CalcPhi is fully mobile-optimised. The calculator works on all modern smartphones and tablets.

Who should use this calculator?

Anyone in India planning their finances can benefit from the Flexi Deposit Calculator. It's designed for both beginners and experienced investors.