Calculator
FCNR(B) Leveraged Deposit Calculator
Indicative & illustrative — not an offer or guarantee of returns.
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FD compounding:
Annualised Return
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Net gain over tenor
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| Your investment | |
| Base investment (equity) | |
| Loan processing fee (on loan amount) | |
| Total outflow | |
| Loan against deposit | |
| Loan ( leverage) | |
| Total FCNR deposit created | |
| At maturity | |
| Maturity value of FCNR deposit (compounding) | |
| Loan repayment — principal + simple interest | |
| Net proceeds after loan closure |
FD deposit grows on selected compounding basis; loan interest is charged as simple interest. Both netted at maturity. Annualised Return = net gain ÷ years ÷ total outflow. Figures are pre-tax, assume rates held constant. FCNR(B) carries a 1-year lock-in; leverage carries interest-rate and margin risk. RBI swap-window deposits accepted till 30 Sep 2026.