FD Laddering Tool — ₹ Zyada Kamao
90% Indians ko ye nahi pata — FD Laddering se liquidity AUR zyada interest dono milta hai
Apni Details Bharein
🏗️ Aapka FD Ladder
₹25,000 × 1 saal
6.8% rate
₹26,744
+₹1,744
₹25,000 × 2 saal
7% rate
₹28,722
+₹3,722
₹25,000 × 3 saal
6.5% rate
₹30,335
+₹5,335
₹25,000 × 4 saal
6.5% rate
₹32,356
+₹7,356
📅 Maturity Timeline
Agar ek hi FD karte: ₹1.29 lakh
Laddering se liquidity ka fayda milega + har saal ek FD mature hogi! ✅
📊 Single FD vs Laddering
Single FD Maturity
₹1.29 lakh
Interest: ₹29,422
Laddering Maturity
₹1.18 lakh
Interest: ₹18,157 ✅
💡 Kya Aapko Pata Hai?
FD Laddering se aapko liquidity aur better returns dono milte hain. Emergency mein poori FD todne ki zaroorat nahi — sirf ek FD nikalo, baaki safe rahe. Senior citizens ko extra 0.5% interest milta hai!
📋 FD-wise Detailed Breakdown
| FD # | Amount | Tenure | Rate | Interest | Maturity |
|---|---|---|---|---|---|
| #1 | ₹25,000 | 1 saal | 6.8% | ₹1,744 | ₹26,744 |
| #2 | ₹25,000 | 2 saal | 7% | ₹3,722 | ₹28,722 |
| #3 | ₹25,000 | 3 saal | 6.5% | ₹5,335 | ₹30,335 |
| #4 | ₹25,000 | 4 saal | 6.5% | ₹7,356 | ₹32,356 |
📌 Ye calculation indicative hai. Actual returns vary ho sakte hain. Invest karne se pehle qualified advisor se zaroor milein.
FD Laddering Kya Hota Hai? — Poori Jankari Hindi Mein
Socho tumhare paas ₹1 lakh hain aur tum FD karna chahte ho. Zyaadatar log kya karte hain? Ek hi FD banate hain 3-5 saal ke liye. Lekin agar beech mein paise ki zaroorat pad gayi to? FD todna padega aur penalty lagegi!
FD Laddering ka matlab hai: Apne total amount ko alag-alag tenure ki FDs mein split karna. Jaise ₹1 lakh ko 4 parts mein baantna — ₹25,000 ki FD 1 saal ke liye, ₹25,000 ki FD 2 saal ke liye, ₹25,000 ki FD 3 saal ke liye, aur ₹25,000 ki FD 4 saal ke liye.
FD Laddering ke 3 Bade Faayde:
1. Liquidity (Paisa Jaldi Milna): Har saal ek FD mature hoti hai. Matlab har saal tumhare paas option hota hai — ya to paisa nikalo, ya dobara FD kar do.
2. Higher Interest Rate: Lambi FD pe interest rate zyada hota hai. Post Office FD mein 1 saal pe 6.9% milta hai lekin 5 saal pe 7.5%.
3. Re-investment Flexibility: Jab 1 saal wali FD mature hoti hai, tab rate agar badh gaya ho to naye rate pe invest kar sakte ho.
Kaunse Bank Mein FD Karein?
Post Office FD: Government guarantee, slightly higher rates (5 saal pe 7.5%). Tax benefit bhi milta hai 80C mein.
SBI/Private Banks: Online FD banana aasan hai. Senior citizens ko 0.5% extra milta hai.
Rates as of April 2025 | Source: NSI India | Next review: July 2025