₹1 lakh fixed deposit for 3 years at 6.5%: maturity and interest
₹1,00,000 in an FD at 6.5% for 3 years → maturity ₹1,21,341, interest earned ₹21,341 (quarterly compounding).
- Maturity amount
- ₹1,21,341
- Interest earned
- ₹21,341
- Compounding
- Quarterly
| Tenure / rate | Maturity | Interest |
|---|---|---|
| 1 year | ₹1,06,660 | ₹6,660 |
| 2 years | ₹1,13,764 | ₹13,764 |
| 3 years | ₹1,21,341 | ₹21,341 |
| 5 years | ₹1,38,042 | ₹38,042 |
| 6% | ₹1,19,562 | ₹19,562 |
| 6.5% | ₹1,21,341 | ₹21,341 |
| 7% | ₹1,23,144 | ₹23,144 |
| 7.5% | ₹1,24,972 | ₹24,972 |
| 8% | ₹1,26,824 | ₹26,824 |
How this is calculated
Maturity = P × (1 + r ÷ 4)^(4 × t), where r is the annual rate and t the tenure in years (quarterly compounding).
FD कैलकुलेटर: फिक्स्ड डिपॉज़िट की मैच्योरिटी राशि और ब्याज जानें — तिमाही चक्रवृद्धि (quarterly compounding), जैसा SBI, HDFC, ICICI और पोस्ट ऑफ़िस करते हैं।
Frequently asked
What is the maturity amount of a ₹1 lakh FD for 3 years at 6.5%?
₹1,21,341, with ₹21,341 earned as interest (quarterly compounding). Annual interest stays under the ₹40,000 TDS threshold for non-senior depositors.
Is FD interest taxable?
Yes. FD interest is added to your income and taxed at your slab. Banks deduct TDS at 10% once interest crosses ₹40,000 a year (₹50,000 for senior citizens); submit Form 15G/15H if your total income is below the taxable limit.
Which is better, FD or debt mutual fund?
FDs give a guaranteed, known return and DICGC insurance up to ₹5 lakh per bank. Debt funds can beat FDs slightly but carry interest-rate and credit risk. For money you need within 1–2 years, an FD is usually the simpler choice.
Do senior citizens get a higher FD rate?
Most banks add 0.25–0.75% for depositors aged 60+. Enter your bank's senior rate in the calculator for the exact maturity amount.
Figures are computed exactly from the stated inputs. Bank rates, processing fees, insurance and taxes vary — treat this as the arithmetic, not an offer. Last computed October 2026.