PaisaExpert
Banking & savings

FD Laddering Strategy Builder

Get long-tenure FD rates without locking up everything for years. Split your corpus across FDs maturing at staggered intervals.

Your numbers

₹
years
% p.a.

Your result

₹12.47 lakh

Splitting ₹10 lakh across 5 FDs of ₹2 lakh each, with tenures staggered from 1 to 5 years, gives you a maturity total of ₹12.47 lakh at a blended rate of 7.10%. One FD matures each year, giving you scheduled liquidity without breaking long-tenure rates.

Amount per FD
₹2 lakh
Blended interest rate
7.10%
Total interest earned
₹2.47 lakh
Total maturity
₹12.47 lakh

paisaexpert.com

Recommended next

See post-tax FD maturity

The TDS and slab-rate impact on a ladder is materially different. Run individual FDs through the maturity calculator to see net-of-tax totals.

Open it

Read next

Your ladder structure

  • FD #1: 1-year lock at 6.70%

    Deposit ₹2,00,000 today. Matures in year 1.

    ₹2.14 lakh

  • FD #2: 2-year lock at 6.90%

    Deposit ₹2,00,000 today. Matures in year 2.

    ₹2.29 lakh

  • FD #3: 3-year lock at 7.10%

    Deposit ₹2,00,000 today. Matures in year 3.

    ₹2.47 lakh

  • FD #4: 4-year lock at 7.30%

    Deposit ₹2,00,000 today. Matures in year 4.

    ₹2.67 lakh

  • FD #5: 5-year lock at 7.50%

    Deposit ₹2,00,000 today. Matures in year 5.

    ₹2.9 lakh

Why this beats one big FD

  • Liquidity: one FD matures every year. You can use the money or roll it over without penalty.
  • Rate cycle protection: if rates rise next year, the FD that just matured rolls over at the new (higher) rate. You are not stuck with old low rates on the whole corpus.
  • DICGC limit management: split across banks too if your corpus exceeds ₹5 lakh per bank (the deposit insurance ceiling).
  • Tax flexibility: managing maturity timing across years can help spread interest income across financial years for high-bracket investors.