Maturity value and interest for fixed deposits from ₹50,000 to ₹50 lakh at 6.5% a year, compounded quarterly as most banks do. Choose an amount for other rates and tenures, senior citizen rates and quarterly payouts.
FD maturity at 6.5% a year
| Deposit | Interest in 1 year | Maturity after 3 years | Maturity after 5 years |
|---|---|---|---|
| ₹50,000 | ₹3,330 | ₹60,670 | ₹69,021 |
| ₹1 lakh | ₹6,660 | ₹1,21,341 | ₹1,38,042 |
| ₹2 lakh | ₹13,320 | ₹2,42,682 | ₹2,76,084 |
| ₹3 lakh | ₹19,980 | ₹3,64,022 | ₹4,14,126 |
| ₹5 lakh | ₹33,301 | ₹6,06,704 | ₹6,90,210 |
| ₹10 lakh | ₹66,602 | ₹12,13,408 | ₹13,80,420 |
| ₹15 lakh | ₹99,902 | ₹18,20,111 | ₹20,70,630 |
| ₹20 lakh | ₹1,33,203 | ₹24,26,815 | ₹27,60,840 |
| ₹25 lakh | ₹1,66,504 | ₹30,33,519 | ₹34,51,049 |
| ₹50 lakh | ₹3,33,008 | ₹60,67,038 | ₹69,02,099 |
How these figures are worked out
Maturity = deposit × (1 + rate ÷ 4) ^ (4 × years), the quarterly compounding used for cumulative FDs. 6.5% is an example rate; check your bank’s current card rate.
For a figure that is not in the table, or to change the assumptions, use the FD calculator.
Cumulative FD with quarterly compounding. FD interest is taxable at your slab rate. Rates vary by bank and change often. An estimate.