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
Your result
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
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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.
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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.