Scenario calculator
NRE vs NRO / FD yield
Compare maturity values, tax, withholding, inflation and currency effects.
Work with your own figures.
Your figures stay in this tab.
Scope & limits Sources checked 14 Oct 2026
Entered fixed-rate INR deposit scenarios, including optional payouts, a confirmed early-break rate reduction and a same-horizon FCNR / home-currency alternative. Rates and FX are user assumptions, not live offers.
Informational estimate. Official sources checked; not professionally reviewed.
Your scenario
Awaiting figuresNet maturity value
Follow your deposit through to maturity.
- Deposit
- Rates & tax
- Currency
Enter your figures, or load an illustrative example to see how the result works.
Review figures for the household retirement plan
Nothing is merged automatically. Review value, currency, timing and existing plan before applying. This stays in the current tab.
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How to read this result
- Compare the money left after estimated tax and fees, rather than just the advertised interest rate.
- Tax already withheld may differ from the final tax due. Inflation and exchange rates also change what your money can buy.
- Check account eligibility and early-withdrawal rules with your bank. NRE tax benefits depend on meeting the rules.
Calculation details and sources
NRE interest exemption depends on FEMA / RBI conditions. RNOR income-tax status alone does not preserve an NRE account or its exemption after a permanent return.
NRO interest is taxable. Withholding may differ from final Indian tax and treaty relief may need documentation. Enter a confirmed all-in rate; no universal 10% resident TDS shortcut is used.
The gross quoted maturity is a reference. The after-tax model settles tax annually during compounding and at a final partial-year exit. Optional monthly or quarterly payouts accumulate after-tax cash separately. Actual bank day-count and withholding timing can differ.
Foreign tax is the additional effective burden after any permitted home-country credit. Do not enter gross foreign tax again if it is already relieved.
Premature withdrawal, minimum tenor, renewal, joint accounts, deposit insurance aggregation and transfer fees require product-specific review. Rates, exchange rates and inflation are user assumptions.
Before you act
Check your figures and the rules that apply to you with a qualified adviser before making a decision.