Sweep-in FD Calculator India — Auto-Sweep Returns 2026

Last updated: 29 April 2026 Reviewed by Deepa Krishnan, CFP

A **sweep-in FD** (also called auto-sweep) automatically transfers excess funds from your savings account into a fixed deposit when the balance exceeds a set limit. This earns FD interest rates (6–7.5%) on idle cash while keeping the money accessible — if you need the money, it sweeps back into the account automatically.

Deposit Amount (₹)

Interest Rate (% p.a.)

Tenure (Years)

Tenure (Months)

Compounding Frequency

Maturity Amount —

Interest Earned —

Effective Annual Yield —

View Year-by-Year Breakdown

Real-World Examples — 2026

₹1 lakh deposit at 7% for 3 years (quarterly compounding)

Investing ₹1 lakh at 7% p.a. with quarterly compounding for 3 years yields ₹1,23,144. Effective annual yield is 7.19% — slightly higher than the nominal rate due to quarterly compounding.

₹5 lakh deposit for 5 years — FD vs RD

A ₹5 lakh FD at 7.1% for 5 years grows to approximately ₹7,08,867 (quarterly). Contrast with an RD of ₹8,333/month for 5 years at 7.1% — total deposited ₹5 lakh, maturity ₹5,99,714.

Frequently Asked Questions

How accurate is the Sweep-In FD Calculator?

The Sweep-In FD Calculator uses standard financial formulas. Results are indicative; actual figures depend on your lender or financial institution's policies.

Is the Sweep-In FD Calculator free to use?

Yes, the Sweep-In FD Calculator on CalcPhi is completely free with no registration required.

Are my data inputs stored?

No. All calculations happen in your browser. We do not store any of your financial data.

How often are the Sweep-In FD Calculator rates updated?

Rates in examples are updated periodically to reflect current market conditions. Always verify with your bank or advisor.

Can I use the Sweep-In FD Calculator on mobile?

Yes. CalcPhi is fully mobile-optimised. The calculator works on all modern smartphones and tablets.

Who should use this calculator?

Anyone in India planning their finances can benefit from the Sweep-In FD Calculator. It's designed for both beginners and experienced investors.