Fixed Deposit Interest Guide 2026
3 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 ₹3 Lakhs deposit.
1-Yr Maturity Value₹3,21,874(at 7.1% p.a.)
Deposit Amount
₹3 Lakhs
Principal deposit
1-Yr Interest Earned
₹21,874
At 7.1% interest
3-Yr Maturity
₹3,70,523
+₹70,523 interest
Senior Citizen 1-Yr
₹3,23,414
At 7.6% rate
Key Takeaways for a ₹3 Lakhs Fixed Deposit
- For a ₹3 Lakhs Fixed Deposit at 7.1% interest rate with quarterly compounding, you earn ₹21,874 interest in 1 year, reaching a maturity value of ₹3,21,874.
- Over 5 years, a ₹3 Lakhs FD generates ₹1,26,524 total interest, with maturity value growing to ₹4,26,524.
- Senior citizens receive an additional 0.50% interest bonus (7.6% rate), earning ₹23,458 in 1 year.
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