FD Calculator for ₹1 Crore — 5 Years Returns
Your deposit of ₹1 Crore at 7% for 5 Years grows to ₹1.41 Cr.
Maturity Value
₹1.41 Cr
Total Invested
₹1.00 Cr
Est. Returns
₹41.48 L
Wealth Gain
41.5%
Breakdown
Invested: ₹1.00 Cr (71%)
Returns: ₹41.48 L (29%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (9.0%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹1.00 Cr | ₹1.00 Cr | ₹1.00 Cr |
| Maturity Value | ₹1.41 Cr | ₹1.56 Cr ↑ ₹14.57 L | ₹2.00 Cr ↑ ₹58.68 L |
| Est. Returns | ₹41.48 L | ₹56.05 L | ₹1.00 Cr |
💡 Understanding FD Returns on ₹1 Crore
A ₹1 Crore Fixed Deposit at 7% interest with quarterly compounding matures to ₹1.41 Cr in 5 Years. Your guaranteed interest earnings are ₹41.48 L — that's a 41.5% total gain with zero market risk. FDs remain India's safest investment vehicle, backed by DICGC insurance up to ₹5 Lakh per depositor per bank.
For deposits of ₹10 Lakh and above, consider splitting across multiple banks to maximize DICGC coverage. Each bank provides insurance up to ₹5 Lakh. Senior citizens get an additional 0.25-0.50% rate, which on ₹1 Crore adds approximately ₹2.00 L in extra interest over 5 Years. Compare rates across SBI, HDFC, ICICI, and small finance banks — the spread can be 1-2%.