/* Calculator Styles */
.ubi-fd-container {
max-width: 800px;
margin: 0 auto;
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 20px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.ubi-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 768px) {
.ubi-grid {
grid-template-columns: 1fr;
}
}
.ubi-input-group {
margin-bottom: 15px;
}
.ubi-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
font-size: 14px;
}
.ubi-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.ubi-tenure-group {
display: flex;
gap: 10px;
}
.ubi-tenure-group div {
flex: 1;
}
.ubi-btn {
width: 100%;
background-color: #d71920; /* Union Bank Red-ish color */
color: white;
padding: 12px;
border: none;
border-radius: 4px;
font-size: 16px;
font-weight: bold;
cursor: pointer;
margin-top: 10px;
transition: background 0.3s;
}
.ubi-btn:hover {
background-color: #b01217;
}
.ubi-results {
margin-top: 25px;
padding: 20px;
background-color: #f9f9f9;
border-radius: 4px;
border-left: 5px solid #d71920;
display: none; /* Hidden by default */
}
.ubi-result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #eee;
}
.ubi-result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.ubi-result-label {
color: #555;
font-size: 14px;
}
.ubi-result-value {
font-weight: bold;
color: #333;
font-size: 16px;
}
.ubi-final-val {
color: #d71920;
font-size: 20px;
}
/* Article Styles */
.ubi-article {
max-width: 800px;
margin: 40px auto;
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
line-height: 1.6;
color: #333;
}
.ubi-article h2 {
color: #d71920;
margin-top: 30px;
}
.ubi-article h3 {
color: #444;
margin-top: 20px;
}
.ubi-article ul {
margin-bottom: 20px;
}
.ubi-article table {
width: 100%;
border-collapse: collapse;
margin: 20px 0;
}
.ubi-article th, .ubi-article td {
border: 1px solid #ddd;
padding: 10px;
text-align: left;
}
.ubi-article th {
background-color: #f2f2f2;
font-weight: 600;
}
function calculateUBIFD() {
// 1. Get Inputs
var amount = parseFloat(document.getElementById('ubi_amount').value);
var rate = parseFloat(document.getElementById('ubi_rate').value);
var years = parseFloat(document.getElementById('ubi_years').value) || 0;
var months = parseFloat(document.getElementById('ubi_months').value) || 0;
var days = parseFloat(document.getElementById('ubi_days').value) || 0;
// 2. Validation
if (isNaN(amount) || amount <= 0) {
alert("Please enter a valid deposit amount.");
return;
}
if (isNaN(rate) || rate <= 0) {
alert("Please enter a valid interest rate.");
return;
}
if (years === 0 && months === 0 && days === 0) {
alert("Please enter a valid tenure (Years, Months, or Days).");
return;
}
// 3. Convert Tenure to Years for calculation
// Note: Banks often use Days/365 for exact calculation, but for FD formula logic we convert to years.
var totalYears = years + (months / 12) + (days / 365);
// 4. Calculation Logic (Quarterly Compounding is standard for Indian Bank Cumulative FDs)
// Formula: A = P * (1 + r/n)^(n*t)
// P = Principal
// r = Rate/100
// n = 4 (Quarterly)
// t = Time in years
var frequency = 4; // Quarterly
var r = rate / 100;
// Calculate Maturity Amount
var maturityAmount = amount * Math.pow((1 + r / frequency), (frequency * totalYears));
// Calculate Interest Earned
var interestEarned = maturityAmount – amount;
// 5. Formatting Helper
var formatCurrency = function(num) {
return "₹" + num.toLocaleString('en-IN', { maximumFractionDigits: 0 });
};
// 6. Display Results
document.getElementById('res_invested').innerHTML = formatCurrency(amount);
document.getElementById('res_interest').innerHTML = formatCurrency(interestEarned);
document.getElementById('res_maturity').innerHTML = formatCurrency(maturityAmount);
document.getElementById('ubi_results_box').style.display = 'block';
}
Union Bank of India FD Calculator
Total Investment–
Interest Earned–
Maturity Value–
Understanding Union Bank of India FD Rates and Returns
A Fixed Deposit (FD) is one of the most secure investment instruments available to Indian investors. When you invest with a public sector giant like the Union Bank of India, you combine the safety of a government-backed entity with attractive interest earnings. Our Union Bank of India FD Rates Calculator helps you estimate your maturity returns quickly and accurately before you commit your funds.
How the Union Bank FD Calculator Works
This calculator is designed to compute the maturity value of a Cumulative Fixed Deposit. In a cumulative scheme, the interest earned is re-invested (compounded) quarterly, leading to a higher payout at the end of the tenure. The calculator uses the standard formula for compound interest:
A = P × (1 + r/n)^(n × t)
A: Maturity Amount
P: Principal Deposit Amount (₹)
r: Annual Interest Rate (decimal)
n: Compounding Frequency (Standard is 4 times a year/quarterly)
t: Tenure in years
Current Interest Rate Trends
Union Bank of India periodically revises its FD interest rates based on RBI Repo rates and market liquidity. Generally, the bank offers different rates for:
General Citizens: Standard base rates.
Senior Citizens (60+ years): Usually receive an additional 0.50% interest over the standard rate.
Super Senior Citizens (80+ years): May receive even higher preferential rates depending on active schemes.
Note: Always verify the latest interest rates directly from the official Union Bank of India website or your nearest branch, as rates are subject to change without prior notice.
Example Calculation
To understand how your money grows, let's look at a practical example of investing ₹1,00,000 for a period of 3 years at an interest rate of 7.25% p.a.
Component
Value
Deposit Amount
₹1,00,000
Tenure
3 Years
Interest Rate
7.25% (Quarterly Compounding)
Total Interest Earned
₹24,055
Maturity Value
₹1,24,055
Tax Implications (TDS)
While calculating your FD returns, it is important to remember that interest income on Fixed Deposits is fully taxable. The Union Bank of India deducts Tax Deducted at Source (TDS) if the interest income exceeds ₹40,000 in a financial year (₹50,000 for Senior Citizens).
If you submit Form 15G/15H, TDS may not be deducted if your total income is below the taxable limit.
The calculator above displays the pre-tax maturity value.