A ₹25 lakh fixed deposit at 6.5% a year earns about ₹1,66,504 of interest in the first year. Left for 5 years with interest compounded quarterly, it matures to ₹34,51,049, of which ₹9,51,049 is interest.
₹25 lakh FD after 5 years (6.5%, quarterly compounding)
₹34,51,049
- Interest earned
- ₹9,51,049
- Interest in year 1
- ₹1,66,504
- Senior citizen (7%)
- ₹35,36,945
₹25 lakh FD maturity by rate and tenure
| Tenure | 6% | 6.5% | 7% | 7.5% | 8% |
|---|---|---|---|---|---|
| 1 year | ₹26,53,409 | ₹26,66,504 | ₹26,79,648 | ₹26,92,840 | ₹27,06,080 |
| 2 years | ₹28,16,231 | ₹28,44,097 | ₹28,72,204 | ₹29,00,554 | ₹29,29,148 |
| 3 years | ₹29,89,045 | ₹30,33,519 | ₹30,78,598 | ₹31,24,291 | ₹31,70,604 |
| 5 years | ₹33,67,138 | ₹34,51,049 | ₹35,36,945 | ₹36,24,870 | ₹37,14,868 |
| 7 years | ₹37,93,055 | ₹39,26,048 | ₹40,63,532 | ₹42,05,653 | ₹43,52,561 |
| 10 years | ₹45,35,046 | ₹47,63,897 | ₹50,03,993 | ₹52,55,873 | ₹55,20,099 |
Interest earned on ₹25 lakh at 6.5%
| Tenure | Maturity | Total interest | Average per year |
|---|---|---|---|
| 1 year | ₹26,66,504 | ₹1,66,504 | ₹1,66,504 |
| 2 years | ₹28,44,097 | ₹3,44,097 | ₹1,72,049 |
| 3 years | ₹30,33,519 | ₹5,33,519 | ₹1,77,840 |
| 5 years | ₹34,51,049 | ₹9,51,049 | ₹1,90,210 |
| 7 years | ₹39,26,048 | ₹14,26,048 | ₹2,03,721 |
| 10 years | ₹47,63,897 | ₹22,63,897 | ₹2,26,390 |
If you choose quarterly interest payouts instead (a non-cumulative FD), ₹25 lakh at 6.5% pays about ₹40,625 every quarter, and you get the ₹25 lakh back at maturity. Senior citizens usually get about 0.5% more, which on this deposit adds ₹85,896 over 5 years.
At 6.5%, yearly interest of about ₹1,66,504 is above ₹50,000, so the bank will deduct TDS unless you submit Form 15G/15H where eligible. FD interest is added to your income and taxed at your slab rate.
Compare nearby deposits
| Deposit | Interest in 1 year | After 5 years |
|---|---|---|
| ₹10 lakh | ₹66,602 | ₹13,80,420 |
| ₹15 lakh | ₹99,902 | ₹20,70,630 |
| ₹20 lakh | ₹1,33,203 | ₹27,60,840 |
| ₹25 lakh | ₹1,66,504 | ₹34,51,049 |
| ₹50 lakh | ₹3,33,008 | ₹69,02,099 |
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Frequently asked questions
How much interest will I get on ₹25 lakh FD for 1 year?
About ₹1,66,504 at 6.5% with quarterly compounding, or ₹1,79,648 at 7%.
What will ₹25 lakh FD become after 5 years?
About ₹34,51,049 at 6.5%, or ₹36,24,870 at 7.5%, with interest compounded quarterly.
Is interest on a ₹25 lakh FD taxable?
Yes. FD interest is taxed at your income tax slab rate. At 6.5%, yearly interest of about ₹1,66,504 is above ₹50,000, so the bank will deduct TDS unless you submit Form 15G/15H where eligible.
Cumulative FD with quarterly compounding. FD interest is taxable at your slab rate. Rates vary by bank and change often. An estimate. Related: All FD amounts · FD calculator · RD maturity table · PPF returns