How much interest will I get on a ₹1 Lakh fixed deposit?

The interest earned on a ₹1 lakh fixed deposit with depends on several factors:

• Tenure (1 to 5 years)
• Interest rate (varies by tenure and scheme)
• Payout frequency (monthly, quarterly, annually, or cumulative)
• Investor category (regular, senior citizen, or women investor)

Example Estimate (Cumulative FD)

Assuming a regular interest rate of 7.81% p.a. (as per current rates for 3-year tenure):

• 1-year FD:
  • Maturity amount ≈ ₹1,07,800
  • Interest earned ≈ ₹7,800
• 5-year FD:
  • Maturity amount ≈ ₹1,47,000
  • Interest earned ≈ ₹47,000

These figures reflect quarterly compounding, which is used in cumulative FDs.
Preferential Rates

• Senior citizens earn an additional +0.50% p.a.
• Women investors receive an extra +0.05% p.a.
• These bonuses can increase returns by ₹250 to ₹500+ per year, depending on tenure and scheme.

Payout Frequency Options

• Cumulative FD: Interest is compounded quarterly and paid at maturity.
• Non-Cumulative FD: Interest is paid out monthly, quarterly, half-yearly, or annually, based on your selection

For precise returns, use an FD Calculator to simulate your investment based on tenure, category, and payout preference.