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Sundaram Finance FD Calculator

RBI / DICGC Insured up to ₹5 Lakh

Sundaram Finance accepts public fixed deposits under a long-standing, highly rated deposit programme, generally for terms of 12 to 36 months. As an NBFC deposit the rate is set commercially rather than by any central authority.

Principal

₹1,00,000

Interest Earned

₹41,478

Maturity Amount

₹1,41,478

Adjust Parameters

Quarterly Compounding
💡

Bank Rate Notice: Interest rates vary by bank, branch, and tenure. Enter the specific rate offered by your bank to calculate your exact returns.

₹
₹5,000₹1,00,00,000
%
1%15%
Time Period
1 Yr10 Yrs

Maturity Date: 03 Sept 2031

Interest Breakdown

Maturity

₹1,41,478

Principal
Interest

Cumulative Growth Over Time

Timeline SnapshotYear 1
Principal Amount₹1,00,000
Interest Earned+₹7,186
Total Value₹1,07,186

💡 Hover or tap any bar to explore other years

YEARS
Principal Amount
Interest Earned

Year-by-Year Interest Accrual

PeriodPrincipalInterest EarnedMaturity Value
1 Year₹1,00,000₹7,186₹1,07,186
2 Years₹1,00,000₹14,888₹1,14,888
3 Years₹1,00,000₹23,144₹1,23,144
4 Years₹1,00,000₹31,993₹1,31,993
5 Years₹1,00,000₹41,478₹1,41,478

Sundaram Finance Fixed Deposits Explained

Sundaram Finance accepts public fixed deposits as a non-banking finance company, so DICGC insurance does not apply — the deposit's safety rests on the issuer's credit rating instead. Founded in Chennai in 1954 to finance commercial vehicles and part of the TVS group, it has run a public deposit programme for decades and is among the longer-established NBFC deposit issuers in India.

Sundaram Finance FD Schemes You Can Open

The public deposit programme divides by how interest is paid:

  • •Cumulative deposit — Interest accumulates and is settled with the principal at maturity — the structure modelled by the calculator above.
  • •Non-cumulative deposit — Interest is paid out at monthly, quarterly or annual intervals for depositors wanting regular income.
  • •Senior citizen variant — An additional increment has typically applied to depositors aged 60 and above over the base schedule.
  • •Renewal benefit — An additional increment has generally applied where a maturing deposit is renewed rather than withdrawn.

Sundaram Finance FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How Sundaram Finance computes interest by tenure band. Rates are deliberately not shown — they change at every revision, and a stale figure is worse than none. Take the current one from the bank's rate card.
Tenure bandInterest basisWhat to know
12 – 24 monthsCompounded per scheme termsThe entry tenure; NBFC deposits do not accept the very short terms a bank will.
24 – 36 monthsCompounded per scheme termsThe standard band for corporate deposit ladders.
36 – 60 monthsCompounded per scheme termsThe long end of the accepted range, typically carrying the best rate on the card.
Premature withdrawalRestrictedGoverned by RBI rules on NBFC deposits, which limit withdrawal within the first three months except in defined hardship cases.

How to Check Sundaram Finance FD Interest Rates

Sundaram Finance FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

Sundaram Finance publishes its public deposit rate card on sundaramfinance.in together with the credit rating on the deposit programme. Read the rating before the rate — with no deposit insurance behind an NBFC deposit, it is the assessment that matters most.

Take the current Sundaram Finance fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to a Sundaram Finance FD

  • •An NBFC public deposit, not a bank deposit — no DICGC cover and no ₹5 lakh protection applies.
  • •Founded in Chennai in 1954 to finance commercial vehicles, and among the longest-running NBFC deposit programmes in India.
  • •Part of the TVS group, with a deposit programme that has historically carried strong credit ratings — verify the current one before depositing.
  • •Rates typically sit above bank deposits, which is compensation for issuer risk rather than a free gain.
  • •Premature withdrawal is restricted under the RBI framework governing NBFC deposits.

Take the current rate for your chosen tenure from the published deposit card and enter it above to see the exact maturity value and the year-by-year interest accrual.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.

Founded

1954

Headquarters

Chennai

Bank Type

NBFC

Tenure Range

1 to 3 Years

Features and Key Rules

  • •Deposit terms typically run from 12 to 36 months.
  • •Senior citizens receive an additional rate benefit.
  • •Cumulative and non-cumulative (monthly or quarterly interest) options are both offered.
  • •NBFC deposits are not covered by DICGC insurance; the deposit rests on the issuer credit rating.
  • •Minimum deposit amounts vary by scheme, so check the current application form.

Frequently Asked Questions

Common questions about the Sundaram Finance FD Calculator.

No. DICGC insurance covers bank deposits, not NBFC deposits. Sundaram Finance deposits rest on the company credit rating instead, which is why the offered rate is usually above a comparable bank FD. Treat the premium as compensation for credit risk rather than a free gain.

Choose cumulative if you want the largest maturity value and do not need interim income, since interest stays invested and compounds. Choose non-cumulative if you need regular monthly or quarterly income, accepting a lower final value because interest leaves the deposit as it is earned.

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