₹50,000 fixed deposit for 3 years at 6.5%: maturity and interest
₹50,000 in an FD at 6.5% for 3 years → maturity ₹60,670, interest earned ₹10,670 (quarterly compounding).
- Maturity amount
- ₹60,670
- Interest earned
- ₹10,670
- Compounding
- Quarterly
| Tenure / rate | Maturity | Interest |
|---|---|---|
| 1 year | ₹53,330 | ₹3,330 |
| 2 years | ₹56,882 | ₹6,882 |
| 3 years | ₹60,670 | ₹10,670 |
| 5 years | ₹69,021 | ₹19,021 |
| 6% | ₹59,781 | ₹9,781 |
| 6.5% | ₹60,670 | ₹10,670 |
| 7% | ₹61,572 | ₹11,572 |
| 7.5% | ₹62,486 | ₹12,486 |
| 8% | ₹63,412 | ₹13,412 |
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 ₹50,000 FD for 3 years at 6.5%?
₹60,670, with ₹10,670 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.