Does this LIC FD calculator use live LIC interest rates?

No. The annual rate is user-entered. LIC and LIC Housing Finance publish terms separately. Copy the figure from the product you actually hold or were offered, then run the compound check here. This page does not fetch LIC tables. As a dated illustration only: LIC Housing Finance’s public-deposit sheet effective 19 June 2025 listed 6.90% p.a. for a 5-year cumulative deposit up to ₹3 crore, with annual rest. If a circular changes, update the percent yourself; the calculator will not notice on its own.

Is this an official LIC quotation?

No. It is an in-browser compound-interest check. Policy charges, bonuses, TDS, and premature-withdrawal rules are not modelled. An LIC illustration or a housing-finance deposit sheet remains the document to trust. Use this page to sanity-check the arithmetic, then confirm with LIC or the intermediary who issued the terms.

What does money-plus style mean on this LIC FD calculator?

Some LIC-linked products are described like deposits even when they are plans or housing-finance FDs. This calculator only compounds principal at the rate and frequency you enter. It does not price a ULIP, a life cover, or a bonus. If your sheet uses a different formula, this page will not match — and that is expected, because the widget is a generic compound check with LIC-oriented labels.

How is compounding calculated?

Maturity is P × (1 + r/n)^(n×t) with quarterly compounding as the default (n = 4). Monthly uses n = 12; yearly uses n = 1. Tenure in months is converted to years before the exponent is applied. The annual rate is the percent you typed. Results are formatted in Indian rupees (en-IN). The math matches the Post Office FD calculator; only the labels and caveats differ.

Does my input leave the browser?

No. Arithmetic runs locally. We do not upload principal, rate, or tenure, and we do not write them to localStorage. Closing the tab drops the numbers. Hosting logs may record the page request, not the rupee amounts. That is the same privacy rule as the other live calculators on Page Utils.

Where can I open an LIC-linked deposit?

The Where to open box lists LIC of India and LIC Housing Finance as public pages, plus a bank FD comparison option. If a partner URL is configured we may earn a commission when you use that link; partner links are labelled. Opening an account happens on the issuer’s site, not inside this calculator. Confirm product availability yourself — this page does not sell deposits.

Is this the same as the Post Office FD calculator?

The compounding math is the same. Labels, caveats, and Where to open links differ because India Post and LIC are different issuers with their own circulars. Use the Post Office page when you are checking a POSB or National Savings time deposit, and this page when you are checking an LIC or LIC Housing Finance style figure. Do not mix the two issuers’ rates on the wrong page.

Should I use this LIC FD calculator for a loan EMI?

No. This page estimates deposit maturity. There is no EMI calculator URL on Page Utils until that tool is actually live, and we do not publish a stub path that 404s. Reducing a loan uses a different formula than compounding a deposit. If you need an EMI check, use a dedicated EMI tool you trust, not this maturity widget.

LIC FD Calculator

An LIC FD calculator estimates money-plus style deposit maturity from principal, the annual rate you type, and tenure. This one compounds in your browser with A = P × (1 + r/n)^(n×t); it is a check, not an LIC quotation.

Rates are user-entered. This page does not fetch LIC of India or LIC Housing Finance tables. Copy the percent from the illustration, circular, or public-deposit sheet that applies to you. Quarterly compounding (n = 4) is the default on this checker; some LIC Housing Finance cumulative deposits use annual rest (n = 1) — switch the compounding control if your sheet says so. Output is formatted in Indian rupees and is a local arithmetic check only.

Worked example, using LIC Housing Finance’s public-deposit interest sheet effective 19 June 2025 (the dated PDF published on lichousing.com): a 5-year cumulative deposit up to ₹3 crore was listed at 6.90% p.a. with annual rest. For ₹1,00,000 at 6.90% over five years with yearly compounding, A = 1,00,000 × (1.069)^5 ≈ ₹1,39,601.00 (interest ≈ ₹39,601.00). Confirm the current sheet before you invest — this calculator will not notice a rate change on its own.

How does the LIC FD Calculator work?

1. Enter principal in rupees
Type the amount and keep the work in this tab. The default example is ₹1,00,000. Nothing is uploaded.
2. Type the annual rate yourself
Use the percent from your LIC illustration, circular, or LIC Housing Finance deposit sheet. This page does not scrape live LIC rates. A dated example on this page uses the 19 June 2025 public-deposit sheet; your current terms may differ.
3. Set tenure and compounding
Choose years or months. Quarterly is the default. Switch to monthly or yearly if the product compounds that way, or to see how n changes the result.
4. Read maturity and copy the result
Maturity is A = P × (1 + r/n)^(n×t), the same compound formula as the Post Office checker, computed entirely in the browser. Output is formatted in Indian rupees and is a local check, not an LIC quote.

Questions about LIC FD Calculator

Does this LIC FD calculator use live LIC interest rates?: No. The annual rate is user-entered. LIC and LIC Housing Finance publish terms separately. Copy the figure from the product you actually hold or were offered, then run the compound check here. This page does not fetch LIC tables. As a dated illustration only: LIC Housing Finance’s public-deposit sheet effective 19 June 2025 listed 6.90% p.a. for a 5-year cumulative deposit up to ₹3 crore, with annual rest. If a circular changes, update the percent yourself; the calculator will not notice on its own.
Is this an official LIC quotation?: No. It is an in-browser compound-interest check. Policy charges, bonuses, TDS, and premature-withdrawal rules are not modelled. An LIC illustration or a housing-finance deposit sheet remains the document to trust. Use this page to sanity-check the arithmetic, then confirm with LIC or the intermediary who issued the terms.
What does money-plus style mean on this LIC FD calculator?: Some LIC-linked products are described like deposits even when they are plans or housing-finance FDs. This calculator only compounds principal at the rate and frequency you enter. It does not price a ULIP, a life cover, or a bonus. If your sheet uses a different formula, this page will not match — and that is expected, because the widget is a generic compound check with LIC-oriented labels.
How is compounding calculated?: Maturity is P × (1 + r/n)^(n×t) with quarterly compounding as the default (n = 4). Monthly uses n = 12; yearly uses n = 1. Tenure in months is converted to years before the exponent is applied. The annual rate is the percent you typed. Results are formatted in Indian rupees (en-IN). The math matches the Post Office FD calculator; only the labels and caveats differ.
Does my input leave the browser?: No. Arithmetic runs locally. We do not upload principal, rate, or tenure, and we do not write them to localStorage. Closing the tab drops the numbers. Hosting logs may record the page request, not the rupee amounts. That is the same privacy rule as the other live calculators on Page Utils.
Where can I open an LIC-linked deposit?: The Where to open box lists LIC of India and LIC Housing Finance as public pages, plus a bank FD comparison option. If a partner URL is configured we may earn a commission when you use that link; partner links are labelled. Opening an account happens on the issuer’s site, not inside this calculator. Confirm product availability yourself — this page does not sell deposits.
Is this the same as the Post Office FD calculator?: The compounding math is the same. Labels, caveats, and Where to open links differ because India Post and LIC are different issuers with their own circulars. Use the Post Office page when you are checking a POSB or National Savings time deposit, and this page when you are checking an LIC or LIC Housing Finance style figure. Do not mix the two issuers’ rates on the wrong page.
Should I use this LIC FD calculator for a loan EMI?: No. This page estimates deposit maturity. There is no EMI calculator URL on Page Utils until that tool is actually live, and we do not publish a stub path that 404s. Reducing a loan uses a different formula than compounding a deposit. If you need an EMI check, use a dedicated EMI tool you trust, not this maturity widget.

These tools run in your browser. Page Utils does not store, upload, or write to localStorage the keys, tokens, or text you paste. Results are a convenience aid, not legal, tax, or security advice.

LIC FD Calculator

How does the LIC FD Calculator work?

Questions about LIC FD Calculator

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