What is an FD ladder?

An FD ladder is a strategy where you divide your investment into multiple Fixed Deposits with different maturity dates (e.g., 1, 2, 3, 4, and 5 years) to ensure regular liquidity.

Is laddering better than a single FD?

Yes, it protects you from 'reinvestment risk'. If rates rise, you can reinvest maturing FDs at higher rates. If you need money, only one small FD needs to be broken.

FD Ladder Planner

Design an FD ladder to maintain liquidity and capture rising interest rates. Automated split of principal into 1-5 year buckets.

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Quick Summary: FD Ladder Planner

An FD Ladder Planner helps investors distribute capital into multiple bank Fixed Deposits with staggered maturities in FY 2026-27. This strategy maintains liquidity and minimizes interest rate risk while capturing higher long-term yields.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

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