Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Fixed Deposit
  • 11 Months ago
  • Comments
 Cumulative or Non-Cumulative Interest Rate

The magic of compounding is what attracts millions toward structured savings and investments. After all, everyone wants their money to grow safely and securely and create wealth through dependable instruments. And what better way to do that than through fixed-term deposits?

Fixed deposits allow investors to securely park their money for a specific term with a bank or financial institution. As the term reaches maturity, investors get their principal investment back with an assured interest amount. Therefore, for investors seeking low risk and assured returns, fixed deposits have always been the preferred investment option.

However, for many new investors, starting with fixed-term deposits can get confusing. Fixed deposit ROI (rate of interest) varies as per the financial institution offering the scheme and the term of the deposit. Furthermore, the two fixed deposit options—cumulative and non-cumulative—can complicate things and make investors more confused.

If you are also wondering whether cumulative or non-cumulative options have the same ROI and which one you should choose, then this piece is for you. Here is a look at both the fixed deposit options and a simplified explanation of cumulative ROI and non-cumulative ROI.

Fixed deposit cumulative rate of interest

Cumulative fixed deposits, as the name suggests, accumulate the total interest to be paid out on the principal amount and pay it on maturity. The interest value at the end of every term unit is calculated on the total amount of principal and interest accrued previously.

For instance, if an investor chooses a fixed deposit option for growing their investment of Rs. 10,00,000 (10 lakh rupees) with a 7% cumulative ROI for 2 years, then at the end of the first year they will earn an interest of Rs. 70,000. Things get interesting after that. This interest amount will get added to the principal amount, making the cumulative investment for the second year Rs. 10,70,000. In the second year, therefore, they will earn an interest of Rs. 74,900 (Rs. 10,70,000 x 7%).

Finally, on maturity, they will receive the total amount of Rs. 11,44,900 against the initial investment of Rs. 10,00,000 (subject to TDS, as applicable). This kind of multiplier effect makes fixed deposits with a cumulative rate of interest an ideal financial instrument to grow wealth and let money make money.

Fixed deposit non-cumulative rate of interest

By comparison, fixed deposits with a non-cumulative rate of interest do not accumulate interest over time. Instead, interest earned on a principal amount is periodically paid out to the investors as per the pay-out frequency selected by them.

For instance, let’s assume a person invests Rs. 10,00,000 for a tenure of 2 years at 7% fixed deposit ROI. Under the non-cumulative option, the investor chooses a monthly payout of interest. At 7% ROI, the investor would earn Rs. 70,000 every year on the principal investment, making the monthly interest payout Rs. 5,833 (Rs. 70,000/12).

At the end of the 2-year tenure, they will still get the principal investment of Rs. 10 lakhs back, having earned Rs. 1,40,000 of interest in monthly installments; this makes the non-cumulative fixed deposit option a great investment choice for retired individuals or people who want a periodic income from a lump sum amount, without spending it.

Difference between cumulative ROI and non-cumulative ROI

Now, in the above two examples, the ROI was the same but the net interest earned by the investor with cumulative ROI option (Rs. 1,44,900) was more than the investor with the non-cumulative ROI option (Rs. 1,40,000). This is exactly the point that confuses investors and makes them wonder if the interest rates are the same for both fixed deposit variants.

To understand how the same ROI can yield different total interest paid for both fixed deposit variants, let’s look at the table below.

Principal (INR)

1,00,000

ROI (%)

8

Tenure (Years)

5

 

Cumulative

Non-cumulative

Year

Interest

Amount

Interest

Amount

1

8,000

1,00,000

8,000

1,00,000

2

8,640

1,08,000

8,000

1,00,000

3

9,331.2

1,16,640

8,000

1,00,000

4

10,077.696

1,25,971.2

8,000

1,00,000

5

10,883.91168

1,36,048.9

8,000

1,00,000

Maturity amount (INR)

 

1,46,932.8

 

1,00,000

Total interest paid (INR)

 

46,932.81

 

40,000

 

When compared side by side, it becomes clear how the interest accumulation with cumulative ROI increases the total interest amount paid to an investor. For the principal amount of Rs. 1,00,000 (1 lakh rupees) invested at 8% ROI over 5 years, the non-cumulative ROI option yields a total interest of Rs. 40,000. Since this interest is paid out annually in equal installments of Rs. 8,000, every year the principal amount returns to Rs. 1,00,000.

In the cumulative ROI option, however, the interest amount earned every year keeps getting added to the principal amount, thereby increasing the base for interest calculation in the subsequent year. In the first year, the cumulative fixed deposit also generates an interest of Rs. 8,000, the same as the non-cumulative option. However, in the second year, this Rs. 8,000 gets added to the principal amount and the interest is calculated at 8% of 1,08,000, amounting to Rs. 8,640.

Over the remaining cumulative ROI fixed deposit tenure, as the interest keeps getting accumulated with the original principal amount, the final interest payout becomes Rs. 46,932.81. When compared to the total interest amount of Rs. 40,000, the internal ROI of the cumulative option seems to have been more, but the additional interest is merely a result of compounding.

In conclusion, cumulative ROI lets investors achieve their financial goals by accumulating the interest and reaping maturity benefits, whereas non-cumulative ROI allows investors to earn a steady interest income from their principal. While the fixed deposit ROI for both options is the same, the total interest earned by an investor varies due to the compounding effect. What investors need is a clear understanding of their own investment needs and a platform to choose the right fixed deposit option for themselves.

Shriram City fixed-term deposits are rated MAA+/ with a stable outlook by ICRA and offer multiple tenure options and easy choice between online and offline investment. Shriram City fixed deposit scheme rate of interest is most rewarding and transparently built for investors of all classes. Moreover, if you still cannot compute your actual returns with cumulative ROI and non-cumulative ROI, then you can use the Shriramcity fixed deposit calculator and invest your money with zero confusion.

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11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

Choosing the right Two Wheeler Loan based on interest rate

  • Dec 09 2021
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  • Two Wheeler Loans

Two Wheeler Loan: Complete Details on Eligibility Criteria

  • Feb 23 2021
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  • Two Wheeler Loans

Eligibility for Two Wheeler Loan

  • Sep 11 2020
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  • Two Wheeler Loans

Commercial Vehicle loan for Bikes

  • Jul 27 2021
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  • Two Wheeler Loans

Gold Loan Vs Credit Card

  • May 23 2022
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  • Gold Loan

Features and Benefits of Two Wheeler Loan

  • May 21 2021
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  • Two Wheeler Loans

Bonds vs Fixed Deposit

  • May 23 2022
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
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  • Business Loans

Market Trends & Developments of Two Wheeler Loan Segment in India

  • Jul 24 2021
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  • Two Wheeler Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans

Two Wheeler Loan Processing Fees and Other Charges

  • Apr 08 2021
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  • Two Wheeler Loans

Is a Two-Wheeler Loan Eligible for Tax Redemption?

  • Apr 21 2021
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  • Two Wheeler Loans

NRI Loan: Apply for Two Wheeler Loan in India

  • May 21 2021
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  • Two Wheeler Loans

How to Apply for Two Wheeler Loan Online

  • Sep 11 2020
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  • Two Wheeler Loans

Two Wheeler Loan Repayment Tips

  • Jul 26 2021
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  • Two Wheeler Loans

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
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  • Two Wheeler Loans

Your two-wheeler loan options are endless with Shriram Finance

  • Feb 24 2021
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  • Two Wheeler Loans

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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  • Two Wheeler Loans

Apply for Two wheeler Top Up Loan

  • Jul 26 2021
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  • Two Wheeler Loans

Interest Rate Charged on a Two Wheeler Loan

  • Mar 29 2021
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  • Two Wheeler Loans

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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  • Two Wheeler Loans

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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  • Two Wheeler Loans

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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  • Two Wheeler Loans

Loan For Women Entrepreneurs

  • May 23 2022
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  • Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
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  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
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  • Recurring Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
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  • Recurring Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
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  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
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  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
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  • Recurring Deposit

Are recurring deposits covered by insurance?

  • Jul 15 2021
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  • Recurring Deposit

What is the Recurring Deposit Scheme offered by Shriram City?

  • Jul 19 2021
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  • Recurring Deposit

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
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  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
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  • Recurring Deposit

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

What makes a fixed deposit different from a recurring deposit

  • Jul 08 2021
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  • Recurring Deposit

12 Things You Must Know About Senior Citizen Fixed Deposit Scheme in India

  • Jul 12 2020
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  • Fixed Deposit

सीनियर सिटीजन के लिए फायदेमंद है एफडी, बिना जोखिम मिलता है हाई रिटर्न

  • Oct 21 2020
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  • Fixed Deposit

What is the Difference Between Fixed Deposit and Recurring Deposit?

  • Dec 09 2021
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  • Fixed Deposit

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
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  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
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  • Recurring Deposit

What is the minimum and maximum investment amount for Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

What are the risks of putting money into a Recurring Deposit?

  • Jul 15 2021
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  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
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  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
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  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
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  • Recurring Deposit

Loan against FD

  • May 23 2022
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  • Fixed Deposit