Fixed Deposit Interest Guide 2026
1 Lakh FD Interest Payout & Maturity Breakdown
Quarterly compounding interest, 1 to 5-year maturity values, senior citizen bonus rates, and tax deduction rules for a ₹1 Lakh deposit.
1-Yr Maturity Value₹1,07,291(at 7.1% p.a.)
Deposit Amount
₹1 Lakh
Principal deposit
1-Yr Interest Earned
₹7,291
At 7.1% interest
3-Yr Maturity
₹1,23,508
+₹23,508 interest
Senior Citizen 1-Yr
₹1,07,804
At 7.6% rate
Key Takeaways for a ₹1 Lakh Fixed Deposit
- For a ₹1 Lakh Fixed Deposit at 7.1% interest rate with quarterly compounding, you earn ₹7,291 interest in 1 year, reaching a maturity value of ₹1,07,291.
- Over 5 years, a ₹1 Lakh FD generates ₹42,175 total interest, with maturity value growing to ₹1,42,175.
- Senior citizens receive an additional 0.50% interest bonus (7.6% rate), earning ₹7,819 in 1 year.
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