Karnataka Bank Fixed Deposit Calculator
The Karnataka Bank Fixed Deposit Calculator is an easy-to-use online tool that helps you estimate the maturity value of your fixed deposit based on key inputs like deposit amount, tenure, and applicable interest rate. It allows you to get a quick overview of the total interest you’ll earn and the amount you’ll receive at maturity, without any manual calculations.
Whether you are planning a short-term deposit or a long-term investment, this calculator helps you make informed decisions by comparing returns across different FD tenures and interest payout options.
Advantages of Using the Karnataka Bank Fixed Deposit Calculator
The Karnataka Bank Fixed Deposit Calculator offers several benefits that make it a valuable tool for planning your investments:
- Accurate Interest Estimations: The calculator provides a precise estimate of the maturity amount and interest earned based on the deposit amount, tenure, and applicable interest rate.
- Convenient and Time-Saving: It eliminates the need to visit the bank or perform manual calculations, allowing you to check returns from the comfort of your home in just a few seconds.
- Minimizes Human Error: Manual calculations can often lead to mistakes. This digital tool ensures error-free results every time.
- Easily Accessible Online: The calculator is available 24/7 on Karnataka Bank’s official website and various trusted financial platforms.
- Flexible Use Anytime: Since it's an online tool, you can use it at any time, whether during banking hours or after, making it convenient for busy schedules.
- Helpful for Account Opening: By giving you a clear picture of expected returns, the calculator aids in making informed decisions when opening a new fixed deposit account.
Benefits of Karnataka Bank Fixed Deposits
Grow your money and secure your future with Karnataka Bank’s Fixed Deposit options.
- Assured Growth: Enjoy guaranteed returns on your savings through a safe and stable investment avenue.
- Flexible Interest Payouts: Choose from monthly, quarterly, half-yearly, or yearly interest payment options as per your convenience.
- Swift and Free Returns: Interest is credited directly to your Karnataka Bank account or transferred via NEFT to accounts in other banks—completely free of charge.
How to Use the Wishfin Karnataka Bank Fixed Deposit Calculator?
Using the Wishfin Karnataka Bank Fixed Deposit Calculator is simple and hassle-free. Just follow these steps:
- Enter the Deposit Amount: Input the principal amount you plan to invest in the fixed deposit.
- Select the Tenure: Choose the duration of your Fixed Deposit, this can be in days, months, or years.
- Enter the Interest Rate: Provide the applicable interest rate for your chosen tenure. You can find this on the bank’s website or the latest rate sheet.
- Choose the Compounding Frequency: Select how often the interest should be compounded—monthly, quarterly, half-yearly, or yearly.
- View the Results: The calculator will instantly display the total interest earned and the maturity amount at the end of the selected tenure.
This tool helps you plan better by comparing returns across different tenures and interest rates before investing.
Benefits of Karnataka Bank Fixed Deposits
- Receive Interest on Your Schedule: Choose how and when you receive your interest—quarterly, half-yearly, or annually—based on what suits you best.
- Monthly Payout Benefits: Opt for monthly interest payouts at a discounted rate, with applicable terms and tenure conditions.
- Senior Citizen Privileges: Senior citizens can enjoy monthly interest payouts without any discount, ensuring maximum returns from their investment.
- Same-Day Deposit Confirmation: Your fixed deposit is confirmed on the same day, allowing for immediate commencement of investment benefits.
- Loan Facility Against Deposit: Get access to loans against your fixed deposit, as per the bank’s rules, giving you greater financial flexibility when needed.
- Nomination Facility: Secure your loved ones’ future by adding a nominee to your fixed deposit account with ease.
Karnataka Bank Fixed Deposit Interest Rates 2025
Find the latest Karnataka Bank fixed deposit interest rates of 2025, for general and senior citizens with different schemes (Effective for Domestic/NRO/NRE Deposits as per the latest schedule) -
Callable Term Deposits (For General Public)
| Maturity Period | Retail (< ₹3 Crore) | Bulk (₹3 Crore to ₹10 Crore) |
|---|---|---|
|
7 days to 45 days |
3.50% p.a. |
3.50% p.a. |
|
46 days to 90 days |
4.00% p.a. |
4.00% p.a. |
|
91 days to 179 days |
5.25% p.a. |
5.25% p.a. |
|
180 days to less than 1 year |
6.25% p.a. |
6.25% p.a. |
|
1 year to 554 days |
7.00% p.a. |
7.00% p.a. |
|
555 days only |
7.15% p.a. |
7.15% p.a. |
|
556 days to 2 years |
6.80% p.a. |
6.80% p.a. |
|
Above 2 years to 3 years |
6.50% p.a. |
6.50% p.a. |
|
Above 3 years to 5 years |
6.50% p.a. |
6.50% p.a. |
|
Above 5 years to 10 years |
5.50% p.a. |
5.50% p.a. |
Non-Callable Term Deposits (Retail & Bulk)
(For Deposits from ₹2 Crore up to ₹10 Crore)
| Maturity Period | Retail: General Public<br>(₹2 Cr to < ₹3 Cr) | Retail: Senior Citizens<br>(₹2 Cr to < ₹3 Cr)* | Bulk: General Public<br>(₹3 Cr to ₹10 Cr) | Bulk: Senior Citizens<br>(₹3 Cr to ₹5 Cr)* |
|---|---|---|---|---|
|
1 year to 554 days |
7.25% p.a. |
7.65% p.a. |
7.25% p.a. |
7.65% p.a. |
|
555 days only |
7.40% p.a. |
7.80% p.a. |
7.40% p.a. |
7.80% p.a. |
|
556 days to 2 years |
7.05% p.a. |
7.45% p.a. |
7.05% p.a. |
7.45% p.a. |
|
Above 2 years to 3 years |
6.75% p.a. |
7.15% p.a. |
6.75% p.a. |
7.15% p.a. |
* Senior Citizens earn an additional 0.40% interest rate.
Note: The additional interest rate offered to senior citizens is applicable only for domestic Fixed Deposit and ACC schemes. It does not apply to deposits under NRE, NRO, or FCNR (B) accounts.
Frequently Asked Questions (FAQs)
