CALCULATORS COMPATIBLE WITH BANKS IN INDIA.

1.THESE ARE THE CALCULATORS, WHERE DEPOSITS ARE ACCEPTED AT QUARTERLY INTEREST BASIS.
2. THERE MAY BE SMALL DIFFERENCES IN RD, WHERE THE PERIOD IS NOT IN MULTIPLES OF 3.
GENERALLY, RD IS ACCEPTED IN STEPS OF 3 MONTHS, MINIMUM PERIOD BEING 6 MONTHS.
3 CASH CERTIFICATE SCHEME ENABLES TO GET ROUND MATURITY VALUES BY DEPOSITING ODD AMOUNTS
PREPARED AND PRESENTED BY:

FILL CELLS COLOURED >>>>>

V RAMACHANDRA SHENOI
EMAIL: veearess@gmail.com
AMOUNT

FILL DATA AT PLACES COLOURED >>>

FD CUMULATIVE
FILL
(THE INTEREST IS QUARTERLY COMPOUNDED)
CASH CERTIFICATE
FILL
( THE INTEREST IS QUARTERLY COMPOUNDED.)
RECURRING DEPOSIT
FILL
(THE INTEREST IS QUARTERLY COMPOUNDED)
FD MONTHLY INT
FILL

10000
10000
500
50000

(GENERALLY INTEREST IS PAYABLE QUARTERLY. BUT BANKS PAY MONTHLY INTEREST BUT AT A DISCOUNT.)

FD QUARTERLY INT

FILL

100000

ANNUITY

FILL

50000

AMOUNT OF DEPOSIT TO RECEIVE RS.1000 OF ANNUITY

(FOR THE ABOVE RATE AND PERIOD)
Downloaded from AllBankingSolutions.com
Developed by : Your Name
v ramachandra
and email address
shenoi
email address: veearess@gmail.com
OTHERS
TO ARRIVE MATURITY DATE AFTER A CERTAIN NUMBER OF DAYS.
START DATE

5/1/2011

NO OF

MATURITY

DAYS

DATE

555

11/6/2012

THESE DAYS BANKS ACCEPT SPE

IN NUMBER OF DAYS LIKE 333 D

TO ARRIVE NO OF DAYS BETWEEN TWO DATES

(this will be useful to go for a deposit for a target maturity date)

maturity date
today,s
no of
date
days
12/31/2014
4/20/2012
985
V RAMACHANDRA SHENOI
EMAIL: veearess@gmail.com

A STRATEGY CALLED FD CUMULATIVE -RD COMBINATION.

1.BANKS GENERALLY PAY SAME INTEREST RATE FOR FD CUMULATIVE AND RD, ON A PARTICULAR
ASSUME THAT WE WISH TO ACHIEVE A TARGET AMOUNT OF SAY, 100000, OR 1000000, SAY AFTER A P
WE CAN ACHIEVE THIS TARGET BY STARTING AN RD FOR A PERIOD, AND DEPOSITING AN ODD A
BUT ON THE SAME DAY AND SAME PERIOD. THIS IS IMPORTANT TO EARN SAME RATE OF INTERE
RD INSTALLMENT SHOULD BE ROUND AMOUNTS, MULTIPLES OF 100 OR 500. MINIMUM AMOUNT M
FD CUMULATIVE CAN BE AN ODD AMOUNT.
REQUIREMENTS FOR THE STRATEGY.
1. FIX A TARGET AMOUNT AND A TARGET DATE.
2. ASCERTAIN THE INTEREST RATE FROM THE BANK OR BANK,S WEBSITE.
3. FIX YOURE YOUR RD INSTALLMENT AND FILL THE DETAILS OF INSTALMENT, INTEREST RATE A
LOOK FOR THE MATURITY VALUE OF THE RD.
4. NOW JUST FILL YOUR TARGET AMOUNT, WHICH MAY/SHOULD BE HIGHER THAN THE MATURIT
5. NOW YOU WILL OBTAILN A DATA SPECIFYING THE THE AMOUNT OF FD CUMULATIVE, RD INSTA
FD CUMULATIVE - RD STRATEGY

RD MATURITY VALUE.

FILL AT >>

INSTALMENT
RD>>>

800

PERIOD

INTEREST

96

11
300000
11

TARGET AMOUNT>>>>

FD (CUM.)
74355.91
96
RD - FD COMBINATION MAT VALUE
THE STRATEGY.
(SUMMARY OF DEPOSIT)
1. AMOUNT OF RD INSTALMENT
800
2. AMOUNT OF FD CUMULATIVE
74355.91
3. PERIOD OF DEPOSIT
96
5. INTEREST RATE
11
ON MATURITY DATE:
THE MATURITY VALUE OF RD
THE MATURITY VALUE OF FD CUMULATIVE
TOTAL

TOTAL

<<< THIS AMOUNT MAY BE RO

122852.89
177147.11
300000.00

click for >>>

Disclaimer : This is a free tool. All efforts have been made so that it can be of use to the maximum
users and is accurate as far as possible. However, in case, any inaccuracy is found, neither
AllBankingSolutions.com nor the developer of the tool will be responsible for any loss or

inconvenience caused on this account

ANKS IN INDIA.
LOOK BELOW FOR FD RD STRATEGY
FOR ACHIEVING A ROUND TARGET AMOUNT

ODD AMOUNTS

Downloaded from AllBankingSolutions.com

Developed by : Your
v ramachandra
Name and shenoi
email address
email address: veearess@gmail.com

INT RATE

PERIOD

MAT VALUE/

(MONTHS)

9.25

63

72

16162.2802 <<MATURITY VALUE

5862.4668 <<AMOUNT TO BE DEPOSITED.
TO GET A ROUND MATURITY VALUE.

10

120

102784.2710 <<MATURITY VALUE

60

372.2221 <<<MONTHLY INT.

72

2250.00 <<QUARTERLY INT.

8.75

60

1030.34

8.75

60

48527.77

TOTAL INTEREST>>

T AT A DISCOUNT.)
TOTAL INTEREST>>>

(INTEREST RATE IS AT QUARTERLY RESTS

Disclaimer : This is a free tool. All efforts have been made so that it can be of use to the maximum
users and is accurate as far as possible. However, in case, any inaccuracy is found, neither
AllBankingSolutions.com nor the developer of the tool will be responsible for any loss or

AYS BANKS ACCEPT SPECIAL DEPOSITS

ER OF DAYS LIKE 333 DAYS, 555,DAYS, 370 DAYS.

assume that you made deposit

maturing on 31/12/2014.
If you wish to make a deposit
to mature on the same date,
this option will be useful
Downloaded from AllBankingSolutions.com
Developed by : Your Name
v ramachandra
and email address
shenoi
email address: veearess@gmail.com

BINATION.

D RD, ON A PARTICULAR DATE AND FOR A PARTICULAR PERIOD.

R 1000000, SAY AFTER A PERIOD.
DEPOSITING AN ODD AMOUNT FD CUMULATIVE,
SAME RATE OF INTEREST.
. MINIMUM AMOUNT MAY VARY FROM BANK TO BANK.

MENT, INTEREST RATE AND PERIOD.

ER THAN THE MATURITY VALUE OF RD.

CUMULATIVE, RD INSTALLMENT, PERIOD, AND MATURITY VALUE.

MATURITY

Downloaded from AllBankingSolutions.com

VALUE

Developed by : Your
v ramachandra
Name and shenoi
email address

122852.89

email address: veearess@gmail.com

<<<FILL

177147.11
300000.00

S AMOUNT MAY BE ROUNDED UP TO HIGHER 1000 TO GET TARGET PLUS

ANOTHER TIP:
1. WHEN THE RD INSTALMENT IS FILLED AS ZERO,
AND OTHER DATA FILLED, WE WILL GET THE
AMOUNT OF FD CUMULATIVE TO GET
THE TARGET AMOUNT.

RD FD GROWTH CHART'!A1

se to the maximum

22333.33
54000.00

E M I
1. INPUT DATA AT GREEN CELLS AND OBTAIN THE EMI. THE INTEREST IS AT MONTHLY RESTS.
2.THE AMOUNT OF LOAN FOR AN EMI OF RS 1000 WILL BE FURNISHED UNDER THE EMI FIGURE
FILL

>>>>
250000
(FOR THE ABOVE RATE AND PERIOD)
AMOUNT OF LOAN FOR RS.1000 E M I.

11

72

4,758.52

11

72

52537.35

THE NEXT TWELVE MONTHS OF AN EMI SCHEDULE:

LIABILITY AS ON 1ST APRIL

Downloaded from AllBankingSolutio

FILL

>>>

EMI

FILL

>>>

INTEREST RATE

FILL

>>>

PRINCIPAL
INTEREST
REMITTANCE
APRIL
3349.90
1150.10
4500.00
MAY
3380.61
1119.39
4500.00
JUNE
3411.60
1088.40
4500.00
JULY
3442.87
1057.13
4500.00
AUGUST
3474.43
1025.57
4500.00
SEPTEMBER
3506.28
993.72
4500.00
OCTOBER
3538.42
961.58
4500.00
NOVEMBER
3570.86
929.14
4500.00
DECEMBER
3603.59
896.41
4500.00
JANUARY
3636.62
863.38
4500.00
FEBRUARY
3669.96
830.04
4500.00
MARCH
3703.60
796.40
4500.00
42288.76
11711.24
54000.00
TOWARDS PRINCIPAL
42288.76
TOWARDS INTEREST
11711.24
54000.00

125465
4500
11
BALANCE
122115.10
118734.48
115322.88
111880.01
108405.58
104899.29
101360.87
97790.01
94186.42
90549.80
86879.84
83176.24

Developed by : Your Name and emai

email address: veearess@gmail.com

125465.00
<MONTH END BALANCE

This schedule is useful to ascertain

and interest portion for a financial ye
can be used for tax purposes.

ALSO PERQUISITE VALUE CAN A

ASCERTAINED, BY JUST CHANG

Downloaded from AllBankingSolutio

Developed by : Your Name and emai
email address: veearess@gmail.com

Disclaimer : This is a free tool. All efforts have been made so that it can be of use to the maximum
users and is accurate as far as possible. However, in case, any inaccuracy is found, neither
AllBankingSolutions.com nor the developer of the tool will be responsible for any loss or

Disclaimer : This is a free tool. All efforts have been made so that it can be of use to the maximum
users and is accurate as far as possible. However, in case, any inaccuracy is found, neither
AllBankingSolutions.com nor the developer of the tool will be responsible for any loss or

<<THIS OPTION ENABLES TO FIX AN EASY-TO-REMEMBER EMI

oaded from AllBankingSolutions.com

v ramachandra shenoi

address: veearess@gmail.com

<OPENING BALANCE
TH END BALANCE

chedule is useful to ascertain the principal

terest portion for a financial year, which
e used for tax purposes.

PERQUISITE VALUE CAN ALSO BE

RTAINED, BY JUST CHANGING THE INTEREST RATE

oaded from AllBankingSolutions.com

v ramachandra shenoi
address: veearess@gmail.com

se to the maximum

HOW THE RD AND FD VALUE REACH THE TARGET AMO

1.THE COURSE OF GROWTH OF RD AND FD (CU

THE STRATEGY.
1. AMOUNT OF RD INSTALMENT

800

2. AMOUNT OF FD CUMULATIVE

74355.91

3. PERIOD OF DEPOSIT

96

5. INTEREST RATE

11

2.SUCH MONTHLY BALANCES WILL NOT BE AV

3. THE CHART IS FOR 120 MONTHS. BUT THE
4.THIS SCHEDULE WILL NOT WORK IF TAX IS D

RD SEGMENT OF THE STRATEGY

FD CUMULATIVE SEGMENT OF THE STRATEGY

MONTH

BALANCE

MONTH

807.27
1621.87
2443.87
3273.33
4110.34
4954.94
5807.22
6667.24
7535.07
8410.78
9294.45
10186.15
11085.95
11993.92
12910.14
13834.68
14767.62
15709.03
16659.00
17617.60
18584.90
19560.99
20545.95
21539.85
22542.78
23554.83
24576.07
25606.58
26646.45
27695.77
28754.63
29823.10
30901.28
31989.25
33087.10
34194.93
35312.82

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37

PRINCIPAL

800
1600
2400
3200
4000
4800
5600
6400
7200
8000
8800
9600
10400
11200
12000
12800
13600
14400
15200
16000
16800
17600
18400
19200
20000
20800
21600
22400
23200
24000
24800
25600
26400
27200
28000
28800
29600

INT ACCRUAL

7.27
21.87
43.87
73.33
110.34
154.94
207.22
267.24
335.07
410.78
494.45
586.15
685.95
793.92
910.14
1034.68
1167.62
1309.03
1459.00
1617.60
1784.90
1960.99
2145.95
2339.85
2542.78
2754.83
2976.07
3206.58
3446.45
3695.77
3954.63
4223.10
4501.28
4789.25
5087.10
5394.93
5712.82

PRINCIPAL

74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91

INT ACCRUAL

675.44
1357.02
2044.79
2738.80
3439.12
4145.81
4858.91
5578.49
6304.60
7037.32
7776.68
8522.77
9275.63
10035.33
10801.93
11575.50
12356.09
13143.77
13938.61
14740.67
15550.01
16366.71
17190.83
18022.43
18861.58
19708.36
20562.83
21425.06
22295.13
23173.10
24059.04
24953.03
25855.14
26765.45
27684.03
28610.95
29546.29

38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

30400
31200
32000
32800
33600
34400
35200
36000
36800
37600
38400
39200
40000
40800
41600
42400
43200
44000
44800
45600
46400
47200
48000
48800
49600
50400
51200
52000
52800
53600
54400
55200
56000
56800
57600
58400
59200
60000
60800
61600
62400
63200
64000
64800
65600
66400
67200

6040.86
6379.16
6727.79
7086.85
7456.45
7836.67
8227.61
8629.37
9042.05
9465.74
9900.54
10346.57
10803.91
11272.68
11752.97
12244.89
12748.54
13264.04
13791.49
14331.00
14882.67
15446.62
16022.97
16611.81
17213.27
17827.46
18454.50
19094.50
19747.59
20413.87
21093.47
21786.51
22493.12
23213.41
23947.51
24695.55
25457.64
26233.93
27024.54
27829.60
28649.23
29483.58
30332.78
31196.95
32076.25
32970.80
33880.74

36440.86
37579.16
38727.79
39886.85
41056.45
42236.67
43427.61
44629.37
45842.05
47065.74
48300.54
49546.57
50803.91
52072.68
53352.97
54644.89
55948.54
57264.04
58591.49
59931.00
61282.67
62646.62
64022.97
65411.81
66813.27
68227.46
69654.50
71094.50
72547.59
74013.87
75493.47
76986.51
78493.12
80013.41
81547.51
83095.55
84657.64
86233.93
87824.54
89429.60
91049.23
92683.58
94332.78
95996.95
97676.25
99370.80
101080.74

38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91

30490.13
31442.54
32403.60
33373.39
34351.99
35339.49
36335.95
37341.46
38356.11
39379.97
40413.14
41455.69
42507.71
43569.29
44640.51
45721.46
46812.23
47912.91
49023.59
50144.35
51275.30
52416.52
53568.11
54730.16
55902.77
57086.02
58280.03
59484.88
60700.68
61927.52
63165.50
64414.73
65675.31
66947.34
68230.92
69526.17
70833.18
72152.06
73482.93
74825.88
76181.03
77548.49
78928.38
80320.80
81725.86
83143.70
84574.41

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

68000
68800
69600
70400
71200
72000
72800
73600
74400
75200
76000
76800
77600
78400
79200
80000
80800
81600
82400
83200
84000
84800
85600
86400
87200
88000
88800
89600
90400
91200
92000
92800
93600
94400
95200
96000

34806.21
35747.36
36704.33
37677.25
38666.28
39671.56
40693.24
41731.47
42786.40
43858.17
44946.95
46052.89
47176.14
48316.86
49475.21
50651.35
51845.44
53057.65
54288.13
55537.06
56804.60
58090.92
59396.20
60720.60
62064.29
63427.46
64810.28
66212.93
67635.58
69078.43
70541.65
72025.43
73529.95
75055.41
76602.00
78169.89

102806.21
104547.36
106304.33
108077.25
109866.28
111671.56
113493.24
115331.47
117186.40
119058.17
120946.95
122852.89
124776.14
126716.86
128675.21
130651.35
132645.44
134657.65
136688.13
138737.06
140804.60
142890.92
144996.20
147120.60
149264.29
151427.46
153610.28
155812.93
158035.58
160278.43
162541.65
164825.43
167129.95
169455.41
171802.00
174169.89

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91
74355.91

Downloaded from AllBankingSolutions.com

Developed by v
: ramachandra
Your Name and
shenoi
email address
email address: veearess@gmail.com
Disclaimer : This is a free tool. All efforts have been made so that it can be of use to the maximum
users and is accurate as far as possible. However, in case, any inaccuracy is found, neither
AllBankingSolutions.com nor the developer of the tool will be responsible for any loss or

inconvenience caused on this account

86018.11
87474.93
88944.99
90428.40
91925.28
93435.76
94959.97
96498.02
98050.04
99616.15
101196.50
102791.20
104400.39
106024.19
107662.74
109316.18
110984.64
112668.26
114367.17
116081.51
117811.42
119557.05
121318.54
123096.02
124889.66
126699.58
128525.95
130368.91
132228.61
134105.20
135998.84
137909.68
139837.88
141783.60
143746.99
145728.21

THE TARGET AMOUNT

GROWTH OF RD AND FD (CUMULATIVE) IS AVAILABLE BELOW.

BALANCES WILL NOT BE AVAILABLE IN BANK STATEMENT.

OR 120 MONTHS. BUT THE TARGET AMOUNT ATTAINS ITS VALUE AT SPECIFIED MONTH END.
WILL NOT WORK IF TAX IS DEDUCTED FROM INTEREST.
MONTHLY

OF THE STRATEGY
BALANCE

75031.3514
75712.9286
76400.6973
77094.7135
77795.0342
78501.7164
79214.8182
79934.3976
80660.5136
81393.2257
82132.5935
82878.6778
83631.5394
84391.2399
85157.8414
85931.4067
86711.999
87499.682
88294.5204
89096.5789
89905.9233
90722.6197
91546.7348
92378.3362
93217.4917
94064.2701
94918.7404
95780.9727
96651.0375
97529.0058
98414.9495
99308.941
100211.053
101121.361
102039.937
102966.857
103902.198

FD CUM. + RD
BALANCE

75838.62
77334.80
78844.56
80368.05
81905.37
83456.66
85022.04
86601.64
88195.58
89804.01
91427.05
93064.83
94717.49
96385.16
98067.98
99766.09
101479.62
103208.72
104953.52
106714.17
108490.82
110283.61
112092.68
113918.19
115760.28
117619.10
119494.81
121387.55
123297.49
125224.78
127169.58
129132.04
131112.33
133110.61
135127.04
137161.79
139215.02

Downloaded from AllBankingSolutions.com

Developed by
v ramachandra
: Your Name shenoi
and email address
email address: veearess@gmail.com

<<total of fd cumulative + rd at first month end

Downloaded from AllBankingSolutions.com

Developed by
v ramachandra
: Your Name shenoi
and email address
email address: veearess@gmail.com

104846.035
105798.446
106759.508
107729.301
108707.903
109695.395
110691.857
111697.371
112712.018
113735.883
114769.048
115811.599
116863.62
117925.197
118996.418
120077.369
121168.14
122268.819
123379.497
124500.264
125631.212
126772.433
127924.021
129086.07
130258.675
131441.932
132635.937
133840.789
135056.585
136283.425
137521.41
138770.641
140031.22
141303.249
142586.834
143882.078
145189.088
146507.972
147838.835
149181.788
150536.941
151904.403
153284.288
154676.707
156081.774
157499.605
158930.316

141286.90
143377.60
145487.30
147616.16
149764.35
151932.06
154119.47
156326.74
158554.06
160801.62
163069.59
165358.17
167667.53
169997.87
172349.38
174722.26
177116.68
179532.86
181970.99
184431.26
186913.88
189419.06
191946.99
194497.88
197071.95
199669.40
202290.44
204935.29
207604.17
210297.29
213014.88
215757.15
218524.34
221316.66
224134.34
226977.62
229846.73
232741.90
235663.38
238611.39
241586.17
244587.99
247617.07
250673.66
253758.02
256870.40
260011.05

160374.023
161830.845
163300.9
164784.309
166281.193
167791.674
169315.877
170853.926
172405.946
173972.064
175552.409
177147.109
178756.296
180380.1
182018.655
183672.094
185340.553
187024.168
188723.076
190437.418
192167.332
193912.961
195674.447
197451.934
199245.567
201055.494
202881.862
204724.82
206584.52
208461.113
210354.753
212265.594
214193.794
216139.509
218102.898
220084.123

263180.24
266378.21
269605.23
272861.56
276147.47
279463.24
282809.12
286185.40
289592.34
293030.24
296499.36
300000.00
303532.44
307096.96
310693.87
314323.45
317986.00
321681.82
325411.21
329174.48
332971.93
336803.88
340670.64
344572.53
348509.86
352482.95
356492.14
360537.75
364620.10
368739.54
372896.40
377091.02
381323.75
385594.92
389904.89
394254.02