DCB Bank FD Rates Calculator
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border-top: 5px solid #005b9f; /* DCB Blue-ish tone */
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DCB Bank FD Rates Calculator
Deposit Amount:
₹ 100,000
Interest Earned:
₹ 7,978
Total Maturity Amount:
₹ 107,978
Note: DCB Bank typically compounds interest quarterly for Fixed Deposits. This calculator uses the standard compound interest formula.
Understanding DCB Bank Fixed Deposit Rates
Fixed Deposits (FDs) are one of the most secure investment instruments in India, and DCB Bank is known for offering competitive interest rates compared to many large public and private sector banks. Whether you are a regular depositor or a senior citizen, understanding how your money grows over time is crucial for financial planning.
How to Use This DCB FD Calculator
Our tool helps you estimate the returns on your investment with precision. Follow these steps:
- Enter Deposit Amount: Input the total lump sum amount (in Rupees) you wish to invest.
- Input Interest Rate: Enter the current DCB Bank FD rate. (Tip: Senior citizens typically receive an additional 0.50% interest rate benefit).
- Select Tenure: Define how long you want to keep the money invested using the Years, Months, and Days fields.
- Calculate: Click the button to see your Maturity Amount and Total Interest Earned immediately.
Formula Used for Calculation
DCB Bank, like most Indian banks, calculates interest on Fixed Deposits using the quarterly compounding formula:
A = P x (1 + R/400)(4 x N)
Where:
- A = Maturity Amount
- P = Principal Deposit Amount
- R = Rate of Interest per annum
- N = Tenure in Years
Benefits of Investing in DCB Bank FDs
- High Interest Rates: DCB Bank often provides higher yields than the industry average.
- Flexible Tenure: You can choose tenures ranging from 7 days up to 10 years.
- Senior Citizen Privilege: Individuals above 60 years of age enjoy preferential rates.
- Safety: FDs up to ₹5 Lakhs are insured by DICGC.
Example Calculation
If you invest ₹5,00,000 for a tenure of 3 years at an interest rate of 8.00% p.a.:
| Component |
Value |
| Investment Amount |
₹ 5,00,000 |
| Interest Rate |
8.00% |
| Tenure |
3 Years |
| Total Interest Earned |
₹ 1,34,121 |
| Maturity Value |
₹ 6,34,121 |
*The figures above are for illustrative purposes assuming quarterly compounding. Actual bank calculations may vary slightly based on day counts and leap years.
function calculateDCBFD() {
// 1. Get Input Values
var P = parseFloat(document.getElementById('investmentAmount').value);
var R = parseFloat(document.getElementById('interestRate').value);
var years = parseFloat(document.getElementById('tenureYears').value) || 0;
var months = parseFloat(document.getElementById('tenureMonths').value) || 0;
var days = parseFloat(document.getElementById('tenureDays').value) || 0;
var frequency = parseFloat(document.getElementById('compoundingFreq').value);
// 2. Validation
if (isNaN(P) || P <= 0) {
alert("Please enter a valid deposit amount.");
return;
}
if (isNaN(R) || R <= 0) {
alert("Please enter a valid interest rate.");
return;
}
if (years === 0 && months === 0 && days === 0) {
alert("Please enter a valid tenure.");
return;
}
// 3. Convert Tenure to Years for the standard formula
// Standard financial approximation: 30 days per month, 365 days per year
// However, for precise banking calc, we usually convert everything to years.
var totalYears = years + (months / 12) + (days / 365);
// 4. Calculate Maturity Amount (A)
// Formula: A = P * (1 + r/n)^(nt)
// r = R/100
// n = frequency (4 for quarterly)
var r = R / 100;
var n = frequency;
// Handling very short tenures (Standard practice: Simple Interest if < 1 quarter usually,
// but for a general calculator, compounding formula is preferred for consistency unless specified).
// Let's stick to the compound formula as it's the 'Yield' calculation.
var amountBase = 1 + (r / n);
var powerFactor = n * totalYears;
var A = P * Math.pow(amountBase, powerFactor);
// 5. Calculate Interest Component
var I = A – P;
// 6. Format numbers for Display (Indian Currency Format)
var formatter = new Intl.NumberFormat('en-IN', {
style: 'currency',
currency: 'INR',
maximumFractionDigits: 0
});
// 7. Update DOM
document.getElementById('displayPrincipal').innerText = formatter.format(P);
document.getElementById('displayInterest').innerText = formatter.format(I);
document.getElementById('displayMaturity').innerText = formatter.format(A);
// 8. Update Visual Bars
var total = A;
var principalPct = (P / total) * 100;
var interestPct = (I / total) * 100;
document.getElementById('barPrincipal').style.width = principalPct + "%";
document.getElementById('barInterest').style.width = interestPct + "%";
}