₹5 lakh fixed deposit for 3 years at 6.5%: maturity and interest
₹5,00,000 in an FD at 6.5% for 3 years → maturity ₹6,06,704, interest earned ₹1,06,704 (quarterly compounding).
- Maturity amount
- ₹6,06,704
- Interest earned
- ₹1,06,704
- Compounding
- Quarterly
| Tenure / rate | Maturity | Interest |
|---|---|---|
| 1 year | ₹5,33,301 | ₹33,301 |
| 2 years | ₹5,68,819 | ₹68,819 |
| 3 years | ₹6,06,704 | ₹1,06,704 |
| 5 years | ₹6,90,210 | ₹1,90,210 |
| 6% | ₹5,97,809 | ₹97,809 |
| 6.5% | ₹6,06,704 | ₹1,06,704 |
| 7% | ₹6,15,720 | ₹1,15,720 |
| 7.5% | ₹6,24,858 | ₹1,24,858 |
| 8% | ₹6,34,121 | ₹1,34,121 |
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 ₹5 lakh FD for 3 years at 6.5%?
₹6,06,704, with ₹1,06,704 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.