Fixed deposit maturity table

FD of ₹1 crore for 5 years: ₹1,41,47,782

At 7% a year, compounded quarterly, ₹1,00,00,000 earns about ₹41,47,782 in 5 years. A monthly-payout FD would pay roughly ₹58,333 a month instead.

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₹1 crore FD maturity by tenure (7%)

Tenure	Interest earned	Maturity value
1 year	₹7,18,590	₹1,07,18,590
2 years	₹14,88,818	₹1,14,88,818
3 years	₹23,14,393	₹1,23,14,393
5 years	₹41,47,782	₹1,41,47,782
7 years	₹62,54,129	₹1,62,54,129
10 years	₹1,00,15,973	₹2,00,15,973

Same FD at different rates (5 years)

Interest rate	Interest earned	Maturity value
6%	₹34,68,550	₹1,34,68,550
6.5%	₹38,04,198	₹1,38,04,198
7%	₹41,47,782	₹1,41,47,782
7.5%	₹44,99,480	₹1,44,99,480
8%	₹48,59,474	₹1,48,59,474

Cumulative FD with quarterly compounding, before tax. Bank rates vary by bank, tenure and age and change over time.

Safety and tax

Bank deposits are insured by DICGC up to ₹5 lakh per depositor per bank, covering principal and interest together — so a ₹1 crore deposit is only partly covered at a single bank; spreading it across banks keeps each part within the limit. Interest is taxed at your slab rate, and TDS applies once a bank pays you more than ₹50,000 of interest in a year (₹1 lakh for senior citizens). For long-term savings, compare with FD vs RD vs PPF.

Frequently asked questions

What is the maturity value of a ₹1 crore FD for 5 years?

At 7% with quarterly compounding, a ₹1,00,00,000 cumulative fixed deposit matures at about ₹1,41,47,782 after 5 years — ₹41,47,782 of interest. Rates differ between banks and change over time, so check your bank's current rate.

How much monthly interest will I get on a ₹1 crore FD?

About ₹58,333 a month at 7% if you choose a monthly-payout (non-cumulative) FD. Banks often pay slightly less on monthly payouts than the quarterly rate. Choosing a cumulative FD instead reinvests the interest and pays more at maturity.

Is interest on a ₹1 crore FD taxable?

Yes. FD interest is added to your income and taxed at your slab rate. Banks deduct TDS once a year's interest from one bank exceeds ₹50,000 (₹1 lakh for senior citizens); first-year interest here is about ₹7,18,590. You can submit Form 15G/15H if your total income is below the taxable limit.

Other FD amounts

Educational estimate by CoinCalc. See how we calculate.