CoinFixed deposit maturity table
FD of ₹1 lakh for 5 years: ₹1,41,478
At 7% a year, compounded quarterly, ₹1,00,000 earns about ₹41,478 in 5 years. A monthly-payout FD would pay roughly ₹583 a month instead.
₹1 lakh FD maturity by tenure (7%)
| Tenure | Interest earned | Maturity value |
|---|---|---|
| 1 year | ₹7,186 | ₹1,07,186 |
| 2 years | ₹14,888 | ₹1,14,888 |
| 3 years | ₹23,144 | ₹1,23,144 |
| 5 years | ₹41,478 | ₹1,41,478 |
| 7 years | ₹62,541 | ₹1,62,541 |
| 10 years | ₹1,00,160 | ₹2,00,160 |
Same FD at different rates (5 years)
| Interest rate | Interest earned | Maturity value |
|---|---|---|
| 6% | ₹34,686 | ₹1,34,686 |
| 6.5% | ₹38,042 | ₹1,38,042 |
| 7% | ₹41,478 | ₹1,41,478 |
| 7.5% | ₹44,995 | ₹1,44,995 |
| 8% | ₹48,595 | ₹1,48,595 |
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. 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 lakh FD for 5 years?
At 7% with quarterly compounding, a ₹1,00,000 cumulative fixed deposit matures at about ₹1,41,478 after 5 years — ₹41,478 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 lakh FD?
About ₹583 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 lakh 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 ₹7,186. You can submit Form 15G/15H if your total income is below the taxable limit.
Other FD amounts
- FD of ₹2 lakh
- FD of ₹3 lakh
- FD of ₹5 lakh
- All FD amounts →
- Recurring deposit calculator →
- Senior Citizens Savings Scheme →
Educational estimate by CoinCalc. See how we calculate.