Calculate fixed deposit maturity or periodic payouts, with quarterly compounding by default and a senior-citizen option.
Cumulative: A = P × (1 + R/(100m))^(periods), m = compoundings per year; leftover months and days earn simple interest P × R × d ÷ 36500. Under 6 months: simple interest (optional). Quarterly payout = P × R ÷ 400. Monthly payout = P × R ÷ 1200 ÷ (1 + R/1200) (approximate; banks differ).
₹1,00,000 at 7% for 5 years, compounded quarterly → ₹1,41,478.