FD Ladder Planner
Split your corpus across FDs of different tenures to maintain liquidity and optimize returns.
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FD Ladder Configuration
Per FD Amount
₹2.50 L
Total Maturity Value
₹11.88 L
Total Interest Earned
₹1.88 L
Ladder Schedule
| FD # | Tenure | Principal | Matures | Maturity Value | Interest Earned |
|---|---|---|---|---|---|
| FD 1 | 1 yr | ₹2.50 L | Jun 2027 | ₹2.68 L | +₹17,500 |
| FD 2 | 2 yr | ₹2.50 L | Jun 2028 | ₹2.86 L | +₹36,225 |
| FD 3 | 3 yr | ₹2.50 L | Jun 2029 | ₹3.06 L | +₹56,261 |
| FD 4 | 4 yr | ₹2.50 L | Jun 2030 | ₹3.28 L | +₹77,699 |
How the Ladder Works
Your corpus is split equally across 4 FDs with tenures of 1–4 years. When FD 1 matures after 1 year, you re-invest it as a new 4-year FD. Each subsequent year, one FD matures giving you liquidity. This strategy avoids locking all funds at a single rate while maintaining access to funds annually.