CALCULATORS COMPATIBLE WITH BANKS IN

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 AMOUN

PREPARED AND PRESENTED BY:

FILL CELLS COLOURED >>>>>

V RAMACHANDRA SHENOI
EMAIL: veearess@gmail.com
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

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

FD QUARTERLY INT

FILL

ANNUITY

FILL

AMOUNT OF DEPOSIT TO RECEIVE RS.1000 OF ANNUITY

(FOR THE ABOVE RATE AND PERIOD)
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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

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 P
ASSUME THAT WE WISH TO ACHIEVE A TARGET AMOUNT OF SAY, 100000, OR 1000000,
WE CAN ACHIEVE THIS TARGET BY STARTING AN RD FOR A PERIOD, AND DEPOSITING
BUT ON THE SAME DAY AND SAME PERIOD. THIS IS IMPORTANT TO EARN SAME RATE
RD INSTALLMENT SHOULD BE ROUND AMOUNTS, MULTIPLES OF 100 OR 500. MINIM
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, INTER
LOOK FOR THE MATURITY VALUE OF THE RD.
4. NOW JUST FILL YOUR TARGET AMOUNT, WHICH MAY/SHOULD BE HIGHER THAN TH
5. NOW YOU WILL OBTAILN A DATA SPECIFYING THE THE AMOUNT OF FD CUMULATIV
FD CUMULATIVE - RD STRATEGY

RD MATURITY VALUE.

FILL AT >>

INSTALMENT
RD>>>

PERIOD

800

96

TARGET AMOUNT>>>>

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

(SUMMARY OF DEPOSIT)
800
74355.91
96
11

THE MATURITY VALUE OF RD

THE MATURITY VALUE OF FD CUMULATIVE
TOTAL

122852.89
177147.11
300000.00

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

TIBLE WITH BANKS IN INDIA.

TERLY INTEREST BASIS.

MULTIPLES OF 3.

LOOK BELOW FOR FD RD STRATEGY

EING 6 MONTHS.

FOR ACHIEVING A ROUND TARGET AMOUNT

BY DEPOSITING ODD AMOUNTS

LLS COLOURED >>>>>

Downloaded from AllBankingSolutions.com
Developed by : You v ramachandra shenoi
email address: veearess@gmail.com

AMOUNT

INT RATE

PERIOD

MAT VALUE/

(MONTHS)

10000

9.25

63

16162.2802

10000

72

5862.4668

500

10

120

50000

60

372.2221

100000

72

2250.00

50000

8.75

60

1030.34

8.75

60

48527.77

102784.2710

INTEREST BUT AT A DISCOUNT.)

D PERIOD)

Disclaimer : This is a free tool. All efforts have been made so that it can

andra shenoi

users and is accurate as far as possible. However, in case, any inaccuracy

AllBankingSolutions.com nor the developer of the tool will be responsible

ER OF DAYS.

THESE DAYS BANKS ACCEPT SPECIAL DEPOSITS

IN NUMBER OF DAYS LIKE 333 DAYS, 555,DAYS, 370 DAYS.

a target maturity date)

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

email address: veearess@gmail.com

E -RD COMBINATION.

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

AY, 100000, OR 1000000, SAY AFTER A PERIOD.
RIOD, AND DEPOSITING AN ODD AMOUNT FD CUMULATIVE,
NT TO EARN SAME RATE OF INTEREST.
OF 100 OR 500. MINIMUM AMOUNT MAY VARY FROM BANK TO BANK.

S WEBSITE.
OF INSTALMENT, INTEREST RATE AND PERIOD.

D BE HIGHER THAN THE MATURITY VALUE OF RD.

UNT OF FD CUMULATIVE, RD INSTALLMENT, PERIOD, AND MATURITY VALUE.

INTEREST

11
300000
11
TOTAL

MATURITY

Downloaded from AllBankingSolutions.com

VALUE

Developed by : You v ramachandra shenoi

122852.89

email address: veearess@gmail.com

<<<FILL

177147.11
300000.00

<<< THIS AMOUNT MAY BE ROUNDED UP TO HIGHER 1000 TO GET TARGET PLU
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.

click for >>>

RD FD GROWTH CHART'!A1

RGET AMOUNT

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

<<MATURITY VALUE

<<<MONTHLY INT.

<<QUARTERLY INT.

TOTAL INTEREST>>

22333.33

TOTAL INTEREST>>>

54000.00

(INTEREST RATE IS AT QUARTERLY RESTS

orts have been made so that it can be of use to the maximum

e. However, in case, any inaccuracy is found, neither

loper of the tool will be responsible for any loss or

om AllBankingSolutions.com
v ramachandra shenoi

veearess@gmail.com

TO GET TARGET PLUS

AS ZERO,

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

11

72

THE NEXT TWELVE MONTHS OF AN EMI SCHEDULE:

LIABILITY AS ON 1ST APRIL

FILL

>>>

EMI

FILL

>>>

INTEREST RATE
APRIL
MAY
JUNE
JULY
AUGUST
SEPTEMBER
OCTOBER
NOVEMBER
DECEMBER
JANUARY
FEBRUARY
MARCH

FILL

PRINCIPAL
INTEREST
3349.90
3380.61
3411.60
3442.87
3474.43
3506.28
3538.42
3570.86
3603.59
3636.62
3669.96
3703.60
42288.76
TOWARDS PRINCIPAL
TOWARDS INTEREST

>>>
1150.10
1119.39
1088.40
1057.13
1025.57
993.72
961.58
929.14
896.41
863.38
830.04
796.40
11711.24

REMITTANCE
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
4500.00
54000.00
42288.76
11711.24
54000.00

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

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

Disclaimer : This is a free tool. All efforts have been made so that it can be of use to the ma
users and is accurate as far as possible. However, in case, any inaccuracy is found, neither

4,758.52
52537.35

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

Downloaded from AllBankingSolutions.com

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

125465.00

<OPENING BALANCE
<MONTH END BALANCE

This schedule is useful to ascertain the principal

and interest portion for a financial year, which
can be used for tax purposes.
ALSO PERQUISITE VALUE CAN ALSO BE
ASCERTAINED, BY JUST CHANGING THE INTEREST RATE
Downloaded from AllBankingSolutions.com
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so that it can be of use to the maximum

any inaccuracy is found, neither

be responsible for any loss or

HOW THE RD AND FD VALUE REACH THE TA

THE STRATEGY.
1. AMOUNT OF RD INSTALMENT

800

2. AMOUNT OF FD CUMULATIVE

74355.91

3. PERIOD OF DEPOSIT

96

5. INTEREST RATE

11

RD SEGMENT OF THE STRATEGY

MONTH

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

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

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

FD CUMULATIVE SEGMENT OF THE S

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

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
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

29600
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

5712.82
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

35312.82
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

37
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
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

65600
66400
67200
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

32076.25
32970.80
33880.74
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

97676.25
99370.80
101080.74
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

82
83
84
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

Downloaded from AllBankingSolutions.com

Developed by :

v ramachandra shenoi

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

FD VALUE REACH THE TARGET AMOUNT

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

2.SUCH MONTHLY BALANCES WILL NOT BE AVAILABLE IN BANK STATEMENT.
3. THE CHART IS FOR 120 MONTHS. BUT THE TARGET AMOUNT ATTAINS ITS VALUE AT SPECIF
4.THIS SCHEDULE WILL NOT WORK IF TAX IS DEDUCTED FROM INTEREST.
MONTHLY
FD CUMULATIVE SEGMENT OF THE STRATEGY
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

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

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

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

Downloaded from AllBankingSolutions.c

Developed by :
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<<total of fd cumulative + r

Downloaded from AllBankingSolutions.c

Developed by :
email address: veearess@gmail.com

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

29546.29
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

103902.198
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

139215.02
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

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

81725.86
83143.70
84574.41
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

156081.774
157499.605
158930.316
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

253758.02
256870.40
260011.05
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

ABLE BELOW.
ATEMENT.
TTAINS ITS VALUE AT SPECIFIED MONTH END.

ownloaded from AllBankingSolutions.com

v ramachandra shenoi

mail address: veearess@gmail.com

<total of fd cumulative + rd at first month end

ownloaded from AllBankingSolutions.com

v ramachandra shenoi

mail address: veearess@gmail.com