Fixed Deposit Interest Guide 2026
5 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 ₹5 Lakhs deposit.
1-Yr Maturity Value₹5,36,456(at 7.1% p.a.)
Deposit Amount
₹5 Lakhs
Principal deposit
1-Yr Interest Earned
₹36,456
At 7.1% interest
3-Yr Maturity
₹6,17,538
+₹1,17,538 interest
Senior Citizen 1-Yr
₹5,39,023
At 7.6% rate
Key Takeaways for a ₹5 Lakhs Fixed Deposit
- For a ₹5 Lakhs Fixed Deposit at 7.1% interest rate with quarterly compounding, you earn ₹36,456 interest in 1 year, reaching a maturity value of ₹5,36,456.
- Over 5 years, a ₹5 Lakhs FD generates ₹2,10,873 total interest, with maturity value growing to ₹7,10,873.
- Senior citizens receive an additional 0.50% interest bonus (7.6% rate), earning ₹39,097 in 1 year.
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