FD Mein Kitna Milega? — ₹1 Lakh se ₹10 Lakh FD ki Maturity Amount 2026
S1 — Safe Rakhna Hai, Par Return Bhi Chahiye
Kavita ke papa ne retire hoke ₹5 lakh ki FD karwani thi. Bank wala bola “7.5% milega” — papa ne haan kar diya. Ghar aakar Kavita ne poochha: “Papa, 5 saal mein kitna milega?” Papa ke paas jawab nahi tha. FD mein kitna milega — yeh sawaal sirf seniors ka nahi, har us insaan ka hai jo apni savings safely invest karna chahta hai bina market ke jhamele ke.
Short answer: ₹1 lakh ki FD 7.5% par 5 saal (quarterly compounding) mein ₹1,43,563 ban jaati hai — ₹43,563 ka pure interest, zero risk. Aur ₹5 lakh lagao to ₹7,17,815 milenge. Apna exact amount CalcDesk FD calculator par seconds mein pata karein — free, koi registration nahi.
S2 — FD Kya Hoti Hai?
FD matlab Fixed Deposit — bank ya post office mein ek fixed time ke liye paise rakhna ek fixed interest rate par. RBI ke Banking Regulation Act ke under banks yeh deposits lete hain. DICGC (Deposit Insurance and Credit Guarantee Corporation) ke under ₹5 lakh tak ka deposit insured hota hai — matlab bank band bhi ho to ₹5 lakh aapko milenge.
FD ka interest quarterly, monthly, ya maturity par lete hain — aapki choice. Interest rate fixed rehti hai puri tenure ke dauran — isi liye “fixed” deposit.
Common misconception: log sochte hain FD par interest tax-free hota hai — bilkul galat. FD interest aapki income mein add hota hai aur aapke slab rate par tax lagta hai. Sirf ₹40,000 (senior citizen ₹50,000) tak interest per year par TDS nahi kattaa — usse zyada par 10% TDS automatically katega. Yeh PPF se bilkul alag hai jahan interest EEE hai.
S3 — FD Formula Kaise Kaam Karta Hai
A = P × (1 + r/4)^(4 × t)
Jahaan:
A = Maturity Amount
P = Principal (jaise ₹1,00,000)
r = Annual interest rate decimal (7.5% = 0.075)
t = Time in years (jaise 5)
Example: ₹1,00,000, 7.5%, 5 saal:
A = 1,00,000 × (1 + 0.075/4)^(4×5)
A = 1,00,000 × (1.01875)^20
A = 1,00,000 × 1.43563 = ₹1,43,563
Monthly compounding mein thoda zyada milta hai — (1 + r/12)^(12×t) formula use hota hai. Annual compounding mein thoda kam. Zyaadatar banks quarterly compounding karte hain India mein.
Manually calculate karna tedious hai — CalcDesk FD calculator instant result deta hai, saath mein year-by-year breakdown bhi.
S4 — Real Examples: Teen Alag Cases
Example 1 — Ravi, Jaipur, ₹1 Lakh, Different Rates Compare
Ravi ne teen banks ke rates dekhe — SBI, HDFC, aur ek small finance bank. ₹1 lakh, 5 saal:
- SBI 7.0%: Maturity ₹1,41,478 (interest ₹41,478)
- HDFC 7.25%: Maturity ₹1,42,520 (interest ₹42,520)
- Small Finance Bank 8.5%: Maturity ₹1,51,690 (interest ₹51,690)
Small finance bank mein ₹10,212 zyada — lekin risk bhi thoda zyada (DICGC ₹5 lakh insurance cover hai to ₹1 lakh safe hai wahan bhi). Rate difference chhota lagta hai par 5 saal mein meaningful fark aata hai.
Example 2 — Sunita (Senior Citizen), Pune, ₹5 Lakh FD
Sunita ki umra 63 saal hai. Senior citizen benefit milega:
- SBI regular rate 7.0% → Senior rate 7.5%
- ₹5 lakh, 7.5%, 5 saal: Maturity ₹7,17,815
- vs regular rate (7.0%): Maturity ₹7,03,961
- Extra sirf senior citizen hone par: ₹13,854
Sunita ne Form 15H bhi submit kiya — TDS nahi katega kyunki uski total income taxable limit se neeche hai. Poora ₹2,17,815 interest unke haath mein aayega bina kisi deduction ke.
Example 3 — Amit, Delhi, ₹2 Lakh, Tax Impact
Amit 30% tax bracket mein hai (income ₹25 lakh+). Usne ₹2 lakh FD ki 7.5% par 3 saal ke liye:
- Maturity: ₹2,49,588 (interest ₹49,588)
- Tax on interest at 30%: ₹14,876
- After-tax return: ₹34,712 → Effective rate: ~5.25%
Yahi wajah hai ki high-income logon ke liye FD utna attractive nahi — after-tax return kaafi low ho jaata hai. Unke liye PPF ya debt mutual funds better options hain tax efficiency ke hisaab se. Debt funds mein LTCG indexation benefit bhi tha — check current rules before investing.
S5 — Tables: FD Numbers At a Glance
Table 1: ₹1 Lakh FD — Different Rates aur Tenures (Quarterly Compounding)
| Interest Rate | 1 Saal | 3 Saal | 5 Saal |
|---|---|---|---|
| 6.5% | ₹1,06,659 | ₹1,21,365 | ₹1,37,713 |
| 7.0% | ₹1,07,186 | ₹1,23,144 | ₹1,41,478 |
| 7.5% | ₹1,07,714 | ₹1,24,944 | ₹1,43,563 ✓ |
| 8.0% | ₹1,08,243 | ₹1,26,765 | ₹1,48,594 |
| 9.0% | ₹1,09,308 | ₹1,30,477 | ₹1,56,047 |
Table 2: Bank-wise Best FD Rates — July 2026
| Bank / Lender | Regular Rate (5yr) | Senior Citizen Rate |
|---|---|---|
| SBI | 6.5% – 7.0% | 7.0% – 7.5% |
| HDFC Bank | 7.0% – 7.25% | 7.5% – 7.75% |
| Axis Bank | 7.0% – 7.5% | 7.5% – 8.0% |
| IDFC First Bank | 7.5% – 7.75% | 8.0% – 8.25% |
| Jana Small Finance Bank | 8.25% – 8.5% | 8.75% – 9.0% |
| Ujjivan Small Finance Bank | 8.0% – 8.5% | 8.5% – 9.0% |
*Rates indicative — July 2026 ke hisaab se. Invest se pehle bank ki official website check karein. Small finance bank deposits DICGC insured hain ₹5 lakh tak.
S6 — Common Galtiyan
S7 — Tips Aur Tricks
FD Calculator — Free aur Instant
CalcDesk ke FD calculator mein principal, rate aur tenure daalein — maturity amount aur interest instantly milega. Senior citizen option bhi available hai. Koi registration nahi, bilkul free.
FD Calculator Open Karein →S9 — Related Articles
Aksar Pooche Jane Wale Sawaal
FD mein quarterly payout lena chahiye ya maturity par?
Yeh aapki zaroorat par depend karta hai. Agar aapko regular income chahiye — retired log ya monthly expenses ke liye — to quarterly payout better hai. Lekin agar paise ki abhi zaroorat nahi to maturity par lena better hai kyunki compounding ka full fayda milta hai. Example: ₹1 lakh, 7.5%, 5 saal. Quarterly payout mein total interest ₹37,500 (roughly simple interest). Cumulative mein ₹43,563 — ₹6,063 zyada sirf compounding ki wajah se. Long-term goal ke liye hamesha cumulative FD chunein. Regular income ke liye FD ladder strategy use karein — alag-alag maturities par FDs banao.
Senior citizens ko FD par kitna extra milta hai?
Senior citizens (60 saal ya usse zyada) ko zyaadatar banks 0.25% se 0.50% extra interest dete hain regular FD rate ke upar. Kuch small finance banks 0.75% tak bhi dete hain. Example: SBI regular FD 7.0% to senior citizen 7.5%. ₹5 lakh FD par 5 saal mein regular: ₹7,03,961 vs senior citizen: ₹7,17,815 — ₹13,854 extra. TDS threshold bhi zyada hai seniors ke liye — ₹50,000 per year interest tak TDS nahi katega (regular ke liye ₹40,000). Form 15H bharo financial year ke shuru mein agar total income taxable limit se neeche ho — TDS completely bachega.
TDS se bachne ke liye kya karein?
FD interest agar ₹40,000 per year (seniors ₹50,000) se zyada ho to bank automatically 10% TDS kaat leta hai. TDS se bachne ke teen tarike hain. Pahla: Form 15G (non-senior, income taxable limit se neeche ho) ya Form 15H (senior citizen) bank ko submit karo financial year ki shuruwaat mein — har saal karna padega. Doosra: FDs alag-alag banks mein split karo — ek hi bank mein interest limit se neeche rakho. Teesra: Spouse ya family members ke naam par FDs karo agar unki income low ho. Note: TDS kata matlab tax paid nahi — ITR mein TDS credit milta hai aur agar tax liability kam hai to refund bhi milta hai.
Tax-saving FD aur normal FD mein kya fark hai?
Tax-saving FD mein deposit Sec 80C ke under ₹1.5 lakh tak deduction milti hai — old regime mein sirf. Lock-in 5 saal mandatory hai, premature closure allowed nahi. Normal FD mein koi minimum tenure nahi — 7 din se 10 saal tak koi bhi. Tax-saving FD ka interest fully taxable hai — sirf investment par deduction milti hai, return par nahi. Normal FD par bhi interest taxable hi hai. Comparison: tax-saving FD tabhit faydemand hai jab 80C limit bhari nahi — EPF, PPF wagera se ₹1.5 lakh pehle hi ho to koi extra benefit nahi. ELSS better option hai agar returns bhi chahiye.
FD tod kar nikaal sakte hain kya — penalty kitni hogi?
Haan — FD premature tod sakte hain, lekin penalty lagti hai. Typically 0.5% to 1% penalty actual applicable rate par lagti hai. Example: ₹1 lakh, 7.5%, 5 saal ki FD. 2 saal baad toda — 2 saal ka applicable rate (maan lo 6.5%) minus 0.5% penalty = 6.0% interest milega instead of 7.5%. Small finance banks mein penalty zyada ho sakti hai. Kuch banks mein 1 saal se pehle toda to sirf savings account rate milti hai. Tax-saving FD premature closure allowed hi nahi. FD todne se pehle: calculate karo ki interest loss kitna hai — CalcDesk FD calculator se dono scenarios compare karein.
SIP better hai ya FD — kab kaun sa chunein?
FD chunein jab: paise 1-3 saal mein chahiye (short-term goal), risk bilkul nahi uthani, emergency fund banana hai, ya retired hain aur guaranteed income chahiye. SIP chunein jab: 5+ saal ka goal hai, market risk sahne ki capacity hai, inflation se protect karna chahte hain, ya long-term wealth banana hai. Numbers: ₹5,000/month, 5 saal. FD (7%): ~₹3,57,000. SIP equity (12%)*: ~₹4,12,000. Fark significant hai 5 saal mein bhi — 10-20 saal mein crores ka ho jaata hai. *SIP returns guaranteed nahi — market risk hai. Dono apni jagah sahi hain — goal ke hisaab se decide karo.
CalcDesk FD calculator kaise use karein?
calcdesk.in/investment/fd-calculator/ kholen. Inputs daalein: principal amount (jaise ₹1,00,000), annual interest rate (jaise 7.5%), tenure (jaise 5 saal), aur compounding frequency (quarterly default). Calculator turant dikhata hai: maturity amount aur total interest earned. Senior citizen option bhi hai — tick karein to 0.5% extra automatically add ho jaata hai. Cumulative vs payout option compare kar sakte hain. Bank-wise comparison ke liye alag-alag rates enter karein. Koi registration nahi, bilkul free. RD calculator bhi dekhen agar monthly invest karna ho — calcdesk.in/investment/rd-calculator/.
Yeh article sirf educational purpose ke liye hai. FD rates banks time-to-time change karte hain — invest karne se pehle bank ki official website se confirm karein. Tax treatment apni income slab ke hisaab se vary karta hai. Poora disclaimer padhein →