GET https://rct.dev.bbntimes.com/financial/how-is-interest-on-fixed-deposits-calculated-by-banks

Response
200 OK
IP
18.119.113.14
Profiled on
Token
c3493a

ArticleController :: show

Request

GET Parameters

None

POST Parameters

None

Uploaded Files

None

Request Attributes

Key Value
_controller 
"App\Controller\ArticleController::show"
_firewall_context 
"security.firewall.map.context.main"
_links 
Symfony\Component\WebLink\GenericLinkProvider {#3535
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    3654 => Symfony\Component\WebLink\Link {#3654
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    3653 => Symfony\Component\WebLink\Link {#3653
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    3652 => Symfony\Component\WebLink\Link {#3652
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      ]
    }
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      ]
    }
    3648 => Symfony\Component\WebLink\Link {#3648
      -href: "/build/scroll-infinite-article.js"
      -rel: [
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      ]
      -attributes: [
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    }
    3647 => Symfony\Component\WebLink\Link {#3647
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    3646 => Symfony\Component\WebLink\Link {#3646
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      ]
      -attributes: [
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    3645 => Symfony\Component\WebLink\Link {#3645
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    3644 => Symfony\Component\WebLink\Link {#3644
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    3643 => Symfony\Component\WebLink\Link {#3643
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}
_route 
"article_show"
_route_params 
[
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]
_security_firewall_run 
"_security_main"
_stopwatch_token 
"6408fd"
category 
"financial"
slug 
"how-is-interest-on-fixed-deposits-calculated-by-banks"

Request Headers

Header Value
accept 
"*/*"
accept-encoding 
"gzip, br, zstd, deflate"
connection 
"close"
cookie 
"PHPSESSID=0k0ehbjg4hojkch84jdin87ogv"
host 
"rct.dev.bbntimes.com"
user-agent 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
x-php-ob-level 
"1"

Request Content

Request content not available (it was retrieved as a resource).

Response

Response Headers

Header Value
cache-control 
"no-cache, private"
content-type 
"text/html; charset=UTF-8"
date 
"Sat, 22 Feb 2025 09:03:27 GMT"
link 
"</build/runtime.js>; rel="preload"; as="script",</build/644.js>; rel="preload"; as="script",</build/502.js>; rel="preload"; as="script",</build/app.js>; rel="preload"; as="script",</build/view-more.js>; rel="preload"; as="script",</build/term-condition.js>; rel="preload"; as="script",</build/contact.js>; rel="preload"; as="script",</build/scroll-infinite-article.js>; rel="preload"; as="script",</build/app.css>; rel="preload"; as="style",</build/cookie-style.css>; rel="preload"; as="style",</build/term-condition-css.css>; rel="preload"; as="style",</build/contact-css.css>; rel="preload"; as="style",</build/comment-css.css>; rel="preload"; as="style""
x-debug-token 
"c3493a"

Cookies

Request Cookies

Key Value
PHPSESSID 
"0k0ehbjg4hojkch84jdin87ogv"

Response Cookies

No response cookies

Session 6

Session Metadata

Key Value
Created 
"Sat, 22 Feb 25 09:02:56 +0000"
Last used 
"Sat, 22 Feb 25 09:03:26 +0000"
Lifetime 
0

Session Attributes

Attribute Value
_csrf/https-comment 
"JmH6ZnA6DZap075XZJG79fT7HIEJewCNGMY2zu2uJzo"
_csrf/https-cookie_accept 
"cquwfEHGh0JQzD30dCWb8OpwOXSTrZW_MYXs-Sl3qWc"

Session Usage

6 Usages
Stateless check enabled
Usage
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:76
Show trace 
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
Show trace 
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
Show trace 
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
Show trace 
[
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    "function" => "run"
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    ]
    "function" => "require_once"
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]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
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    "function" => "getMetadataBag"
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    ]
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]
Symfony\Component\Security\Http\Firewall\ContextListener:171
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-http/Firewall/ContextListener.php"
    "line" => 171
    "function" => "remove"
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    "function" => "onKernelResponse"
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    "function" => "__invoke"
    "class" => "Symfony\Component\EventDispatcher\Debug\WrappedListener"
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    "function" => "callListeners"
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Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN 
"*"
DATABASE_URL 
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY 
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY 
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN 
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD 
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
BASE 
"/public"
CONTEXT_DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE 
"RESPONDER"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_CONNECTION 
"close"
HTTP_COOKIE 
"PHPSESSID=0k0ehbjg4hojkch84jdin87ogv"
HTTP_HOST 
"rct.dev.bbntimes.com"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PHP_SELF 
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX 
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI 
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING 
""
REDIRECT_BASE 
"/public"
REDIRECT_HTTPS 
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_HTTPS 
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
REDIRECT_REDIRECT_SCRIPT_URL 
"/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
REDIRECT_REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS 
"200"
REDIRECT_REDIRECT_UNIQUE_ID 
"Z7mS35DyWLT8YV1VjBpGbAAAAIU"
REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
REDIRECT_SCRIPT_URL 
"/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_STATUS 
"200"
REDIRECT_UNIQUE_ID 
"Z7mS35DyWLT8YV1VjBpGbAAAAIU"
REDIRECT_URL 
"/public/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
REMOTE_ADDR 
"18.119.113.14"
REMOTE_PORT 
"58964"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1740215007
REQUEST_TIME_FLOAT 
1740215007.4747
REQUEST_URI 
"/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
SCRIPT_FILENAME 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME 
"/public/index.php"
SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
SCRIPT_URL 
"/financial/how-is-interest-on-fixed-deposits-calculated-by-banks"
SERVER_ADDR 
"5.196.1.209"
SERVER_ADMIN 
"[no address given]"
SERVER_NAME 
"rct.dev.bbntimes.com"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE 
"Apache"
SSL_TLS_SNI 
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID 
"Z7mS35DyWLT8YV1VjBpGbAAAAIU"

Sub Requests 6

CookieController :: renderAnalysis (token = 58d997)

Key Value
_controller 
"App\Controller\CookieController::renderAnalysis"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"45ac7f"

AppController :: renderHeader (token = 2436fe)

Key Value
_controller 
"App\Controller\AppController::renderHeader"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"8ec9dd"
slug 
"home"

ArticleController :: trendingArticle (token = 740c5e)

Key Value
_controller 
"App\Controller\ArticleController::trendingArticle"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"068a35"
category 
"Finance"

ArticleController :: relatedArticles (token = b445e8)

Key Value
_controller 
"App\Controller\ArticleController::relatedArticles"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"c62425"
current_article 
App\Entity\Article {#1094
  -id: 14634
  -title: "How is Interest on Fixed Deposits Calculated by Banks? "
  -slug: "how-is-interest-on-fixed-deposits-calculated-by-banks"
  -introtext: "<p>Financial planning ensures economic security to support a comfortable retirement era.</p>\r\n"
  -content: """
    \r\n
    <p>The first step in your <a href="companies/importance-of-financial-planning-in-business" target="_blank" rel="noopener">financial plan</a> should be to start saving early and invest in instruments offering good returns to have adequate savings to cover future expenses.&nbsp;</p>\r\n
    <p>Some individuals favour the share market and invest in stocks trading on exchanges such as NSE or BSE. However, some invest in mutual funds that echo stock market indices performances, such as Sensex and NIFTY, for systematic investments. <br /><br />Although market-linked investments have the potential to offer good returns, they come with consolidation risks where the investors can lose a chunk of their investment value quickly. Hence, experienced investors ensure they invest in non-market investment instruments such as Fixed Deposits to create a financial cushion and earn steady returns.&nbsp;</p>\r\n
    <h2>What Are Fixed-Deposits?&nbsp;</h2>\r\n
    <p><img src="/images/What_are_Fixed-Deposits&nbsp;.jpg" alt="What_are_Fixed-Deposits&nbsp;.jpg" width="600" height="400" /></p>\r\n
    <p>Fixed or term or time deposits are instruments offered by banks and NBFCs to allow individuals to earn a guaranteed return on their savings over a specified period. When opening a fixed deposit, an investor infuses a certain amount for a pre-determined duration, ideally ranging from a few months to several years.</p>\r\n
    <p>The interest rate is fixed at the time of <a href="global-economy/a-credit-crunch-is-inevitable" target="_blank" rel="noopener">deposit</a>, ensuring that the investor knows the exact return they will receive at maturity.&nbsp;</p>\r\n
    <h2>How is Interest on Fixed Deposits Calculated by Banks?&nbsp;</h2>\r\n
    <p>Banks offer two types of interest on FDs: simple interest and compound interest.</p>\r\n
    <h3>Simple Interest&nbsp;</h3>\r\n
    <p>In this method, the calculation is based on the principal amount, the interest rate, and the time. It does not consider any previous interest amount paid to the investors. Banks calculate simple interest on the initial principal amount, irrespective of the period of the FD. The formula for simple interest is as follows.</p>\r\n
    <h3>Simple Interest: Principal x interest rate x time divided by 100 or (P x R x T/100).</h3>\r\n
    <p>Where, <br />P= Principal amount.<br />R = Rate of interest per annum.<br />T= No. of periods (in years).&nbsp;</p>\r\n
    <h3>Compound Interest</h3>\r\n
    <p>Unlike simple interest, compound interest considers the initial principal amount and the accumulated interest is reinvested or added to the principal at regular intervals. As time progresses, the interest earned in each compounding period becomes a part of the principal for the next period, leading to exponential growth. The formula for compound interest is given below.</p>\r\n
    <h3>Compound Interest (CI) = P {(1 + i/100)n – 1}</h3>\r\n
    <p>Where, <br /><br />P = Principal amount; <br />n = number of years; <br />i = rate of interest per period</p>\r\n
    <h2>FD Calculator: Calculate Interest In Simple Steps&nbsp;</h2>\r\n
    <p><img src="/images/Calculate_Interest_In_Simple_Steps&nbsp;.jpg" alt="Calculate_Interest_In_Simple_Steps&nbsp;.jpg" width="600" height="400" /></p>\r\n
    <p>One of the best ways to interest is to use an <a href="https://www.5paisa.com/calculators/fd-calculator" target="_blank" rel="noopener">FD calculator</a> online. <br /><br />A <a href="https://www.5paisa.com/calculators/fd-calculator" target="_blank" rel="noopener">fixed deposit calculator</a> is a financial tool that helps individuals calculate the maturity amount and interest earned on their fixed deposit investments. It is designed to provide an accurate and quick estimation of the returns on a fixed deposit based on various parameters. <br /><br />Most FD calculators are free of cost, and you can use them unlimited times to compare various FDs and find an ideal one with an interest rate that can provide you with the desired corpus after a certain period.</p>\r\n
    <p>Here's a step-by-step guide on how to use the calculator.</p>\r\n
    <p><strong><span style="color: #808080;">Step 1 - Gather Information</span>:</strong> Gather all the information related to the FD, such as the principal amount, interest rate and tenure. <br /><br /><span style="color: #808080;"><strong>Step 2 - FD Calculator</strong></span>: Search for a reliable fixed deposit calculator online. Many financial websites and banking portals offer these calculators for free. <br /><br /><strong><span style="color: #808080;">Step 3 - Input Details</span>:</strong> Input the following information into the calculator.</p>\r\n
    <ul>\r\n
    <li aria-level="1">\r\n
    <p>Principal Amount: Enter the principal amount you want to start the FD with.&nbsp;</p>\r\n
    </li>\r\n
    <li aria-level="1">\r\n
    <p>Interest Rate: Enter the interest rate of the chosen or desired FD.&nbsp;</p>\r\n
    </li>\r\n
    <li aria-level="1">\r\n
    <p>Tenure: Enter the FD tenure.&nbsp; &nbsp; &nbsp; &nbsp;</p>\r\n
    </li>\r\n
    </ul>\r\n
    <p><strong><span style="color: #808080;">Step 4 - Calculation</span>:</strong> Once you have entered all the necessary information, click the "Calculate" or "Calculate Interest" button. The calculator will process the data and provide you with the results.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>\r\n
    <p><span style="color: #808080;"><strong>Step 5 -&nbsp;Analyse Results:</strong></span> Review the results and analyse the figures provided by the calculator.&nbsp;</p>\r\n
    <h2>Conclusion</h2>\r\n
    <p>Fixed deposits can be vital in <a href="https://www.forbes.com/advisor/investing/what-is-diversification/" target="_blank" rel="noopener">diversifying investments </a>across asset classes, such as fixed-income instruments that provide low-risk, steady returns. Unlike other investment avenues subject to market fluctuations, fixed deposits offer a pre-determined interest rate, ensuring a fixed and predictable return on the investment. However, as all the FDs come with different interest rates and tenure, it is important to calculate the maturity amount using the FD Calculator to choose an ideal FD capable of achieving the set <a href="https://www.thetimes.co.uk/money-mentor/article/top-financial-goals-for-2023/" target="_blank" rel="noopener">financial goals</a>.&nbsp;</p>
    """
  -user: Proxies\__CG__\App\Entity\User {#1092 …}
  -createdAt: DateTime @1686602460 {#1145
    date: 2023-06-12 20:41:00.0 UTC (+00:00)
  }
  -updatedAt: DateTime @1686602599 {#1150
    date: 2023-06-12 20:43:19.0 UTC (+00:00)
  }
  -deletedAt: null
  -category: App\Entity\Category {#445 …}
  -status: "published"
  -imageCard: Proxies\__CG__\App\Entity\File {#1184 …}
  -ImageHeader: Proxies\__CG__\App\Entity\File {#1184 …}
  -featured: false
  -mainView: false
  -clicks: 1009
  -comments: Doctrine\ORM\PersistentCollection {#1125 …}
  -reviewed_at: DateTime @1686602460 {#1148
    date: 2023-06-12 20:41:00.0 UTC (+00:00)
  }
  -metakey: "How is Interest on Fixed Deposits Calculated by Banks?"
  -metadesc: "Financial planning ensures economic security to support a comfortable retirement era."
  -robots: null
  -publishedAt: DateTime @1686602460 {#1147
    date: 2023-06-12 20:41:00.0 UTC (+00:00)
  }
  -canonical: null
  -superTag: null
}

AppController :: renderFooter (token = b48b92)

Key Value
_controller 
"App\Controller\AppController::renderFooter"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"871330"

CookieController :: renderCookie (token = 372bbd)

Key Value
_controller 
"App\Controller\CookieController::renderCookie"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"5a7050"