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Calculator
Something maturing every year: set five rungs, see the cash schedule.
Yearly cash ₹2.70 L peak year · avg maturity 3y
No reinvestment assumed — maturing face is cash, not compounded. Total face ₹10.00 L · total coupons ₹2.10 L.
Five ₹2,00,000 rungs maturing in years 1–5 at a 7% coupon assumption pay ₹2,70,000 in year 1 falling to ₹2,14,000 in year 5, with an average maturity of 3 years. Enter each rung's face to see the yearly cash schedule.
Each rung pays its annual coupon every year until it matures, when its face joins the coupon as cash; totals are summed per year with no reinvestment of maturing face, and average maturity is face-weighted.
One shared coupon assumption across rungs (kept simple on purpose); maturing face is shown as cash, not compounded.
Something matures every year, so reinvestment spreads across rate cycles and no single maturity date decides your outcome.
No — it is your assumption. Government coupons are contractual but corporate ones depend on the issuer paying.
Roughly how long your money is locked on average — higher means more rate sensitivity and usually more yield.
Reviewed 24 Sept 2026. Yields move — the RBI portal, CCIL and the tax department are the authority, and this hub links straight to them.