Calculate maturity for ₹25 Lakh Fixed Deposit for 2 Years. Compare rates across 25+ banks and NBFCs.
| Year | Deposit | Interest Earned | Maturity Value |
|---|
Investing ₹25 Lakh in a 2 Years FD? At an average rate of 7.12%, your deposit would mature to approximately ₹28,78,986 with ₹3,78,986 as interest earned.
Deposit: ₹25 Lakh · Quarterly compounding
| Bank | General Rate | Senior Rate | Maturity | Interest Earned |
|---|---|---|---|---|
| Shriram Finance | 7.68% | 7.93% | ₹29,10,820 | ₹4,10,820 |
| Mahindra Finance | 7.6% | 7.85% | ₹29,06,253 | ₹4,06,253 |
| Bajaj Finserv | 7.45% | 7.7% | ₹28,97,708 | ₹3,97,708 |
| PNB Housing | 7.35% | 7.6% | ₹28,92,024 | ₹3,92,024 |
| IndusInd Bank | 7.25% | 7.75% | ₹28,86,349 | ₹3,86,349 |
| Yes Bank | 7.25% | 7.75% | ₹28,86,349 | ₹3,86,349 |
| Bandhan Bank | 7.15% | 7.65% | ₹28,80,684 | ₹3,80,684 |
| LIC Housing | 7.15% | 7.4% | ₹28,80,684 | ₹3,80,684 |
| Axis Bank | 7.1% | 7.6% | ₹28,77,855 | ₹3,77,855 |
| Kotak Mahindra Bank | 7.1% | 7.6% | ₹28,77,855 | ₹3,77,855 |
| Federal Bank | 7.1% | 7.6% | ₹28,77,855 | ₹3,77,855 |
| Bank of Baroda | 7.05% | 7.55% | ₹28,75,028 | ₹3,75,028 |
| Indian Bank | 7.05% | 7.55% | ₹28,75,028 | ₹3,75,028 |
| Bank of India | 7.05% | 7.55% | ₹28,75,028 | ₹3,75,028 |
| SBI | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| HDFC Bank | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| ICICI Bank | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| PNB | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| Canara Bank | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| IDBI Bank | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| IDFC First Bank | 7% | 7.5% | ₹28,72,204 | ₹3,72,204 |
| Post Office | 7% | 7% | ₹28,72,204 | ₹3,72,204 |
| Union Bank | 6.9% | 7.4% | ₹28,66,564 | ₹3,66,564 |
| South Indian Bank | 6.9% | 7.4% | ₹28,66,564 | ₹3,66,564 |
| Central Bank | 6.75% | 7.25% | ₹28,58,121 | ₹3,58,121 |
The interest earned on ₹25 Lakh FD depends on the bank, interest rate, tenure, and compounding frequency. At 7% for 1 year (quarterly compounding), you would earn approximately ₹1,79,648 as interest.
For the highest returns on ₹25 Lakh, NBFCs like Bajaj Finserv, Shriram Finance, and Mahindra Finance typically offer higher rates (7.5-8%). Among banks, private banks like IndusInd and Yes Bank offer competitive rates.
TDS at 10% is deducted if FD interest exceeds ₹40,000 per year (₹50,000 for senior citizens). For ₹25 Lakh at ~7%, annual interest would be ~₹1,75,000, so TDS would be applicable.
DICGC covers up to ₹5 Lakh per bank. Since your deposit exceeds \u20B95 Lakh, consider splitting across banks for full insurance coverage. Also compare rates across banks to maximize returns.
At 7% with quarterly compounding, ₹25 Lakh FD would mature to approximately ₹35,36,945 in 5 years, earning ₹10,36,945 as interest.