FD Calculator for ₹5 Lakh — 5 Years Returns
Your deposit of ₹5 Lakh at 7% for 5 Years grows to ₹7.07 L.
Maturity Value
₹7.07 L
Total Invested
₹5.00 L
Est. Returns
₹2.07 L
Wealth Gain
41.5%
Breakdown
Invested: ₹5.00 L (71%)
Returns: ₹2.07 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 | ₹5.00 L | ₹5.00 L | ₹5.00 L |
| Maturity Value | ₹7.07 L | ₹7.80 L ↑ ₹72,866 | ₹10.01 L ↑ ₹2.93 L |
| Est. Returns | ₹2.07 L | ₹2.80 L | ₹5.01 L |
💡 Understanding FD Returns on ₹5 Lakh
A ₹5 Lakh Fixed Deposit at 7% interest with quarterly compounding matures to ₹7.07 L in 5 Years. Your guaranteed interest earnings are ₹2.07 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.
At this deposit amount, ensure you submit Form 15G/15H if your total income is below the taxable limit to avoid TDS deduction. Senior citizens get an additional 0.25-0.50% rate, which on ₹5 Lakh adds approximately ₹10,000 in extra interest over 5 Years. Compare rates across SBI, HDFC, ICICI, and small finance banks — the spread can be 1-2%.