₹5 Lakh FD for 3 Years
₹5 Lakh ki FD 3 saal ke liye 7% annual interest (quarterly compounding) par rakhne se estimated maturity value neeche hai.
Last updated: 7 Oct 2026 · This is an estimate — actual values may vary.
Maturity Value
₹6,15,720
| Deposit Amount (Principal) | ₹5,00,000 |
| Annual Interest Rate | 7% |
| Tenure | 3 years |
| Compounding | Quarterly |
| Interest Earned | ₹1,15,720 |
| Maturity Value (P + Interest) | ₹6,15,720 |
Computed on 7 Oct 2026 with the same formula as our
FD Calculator.
How we calculated it
How we calculated it
Maturity = P × (1 + r/4)^(4t) — quarterly compounding, jo India me bank FDs ka standard hai. r = annual rate ÷ 100, t = years. Interest earned = maturity − principal.
Honest limits
- Kuch banks/NBFCs monthly ya annual compounding bhi dete hain — result thoda alag ho sakta hai.
- TDS (ek saal me ₹40,000 se zyada interest par 10%; senior citizens ke liye ₹50,000) yahan deduct nahi kiya gaya.
- Premature withdrawal par penalty lagti hai — ye full-tenure figure hai.
Frequently asked questions
FD me quarterly compounding kya hoti hai?
Interest har 3 mahine me principal me jud jaata hai, phir agle quarter me us badhe hue amount par interest milta hai. Isliye effective return nominal rate se thoda zyada hota hai.
FD interest par tax lagta hai?
Haan — FD interest taxable hai aur bank TDS kaat sakta hai (threshold se upar). Net return aapke tax slab par depend karega.
FD time se pehle tod sakte hain?
Haan, premature withdrawal allowed hai lekin penalty lagti hai (usually 0.5–1% kam rate).