Calculate maturity for ₹1 Crore Fixed Deposit for 5 Years. Compare rates across 25+ banks and NBFCs.
| Year | Deposit | Interest Earned | Maturity Value |
|---|
Investing ₹1 Crore in a 5 Years FD? At an average rate of 6.83%, your deposit would mature to approximately ₹1,40,30,062 with ₹40,30,062 as interest earned.
Deposit: ₹1 Crore · Quarterly compounding
| Bank | General Rate | Senior Rate | Maturity | Interest Earned |
|---|---|---|---|---|
| Shriram Finance | 7.61% | 7.86% | ₹1,45,77,961 | ₹45,77,961 |
| Mahindra Finance | 7.55% | 7.8% | ₹1,45,35,103 | ₹45,35,103 |
| Post Office | 7.5% | 7.5% | ₹1,44,99,480 | ₹44,99,480 |
| Bajaj Finserv | 7.4% | 7.65% | ₹1,44,28,483 | ₹44,28,483 |
| PNB Housing | 7.25% | 7.5% | ₹1,43,22,606 | ₹43,22,606 |
| HDFC Bank | 7% | 7.5% | ₹1,41,47,782 | ₹41,47,782 |
| Axis Bank | 7% | 7.5% | ₹1,41,47,782 | ₹41,47,782 |
| IndusInd Bank | 7% | 7.5% | ₹1,41,47,782 | ₹41,47,782 |
| Yes Bank | 7% | 7.5% | ₹1,41,47,782 | ₹41,47,782 |
| IDFC First Bank | 7% | 7.5% | ₹1,41,47,782 | ₹41,47,782 |
| LIC Housing | 7% | 7.25% | ₹1,41,47,782 | ₹41,47,782 |
| ICICI Bank | 6.9% | 7.4% | ₹1,40,78,422 | ₹40,78,422 |
| Canara Bank | 6.7% | 7.2% | ₹1,39,40,669 | ₹39,40,669 |
| SBI | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Kotak Mahindra Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Bank of Baroda | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| PNB | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Union Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Indian Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| IDBI Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Bank of India | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Central Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Federal Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| Bandhan Bank | 6.5% | 7% | ₹1,38,04,198 | ₹38,04,198 |
| South Indian Bank | 6.25% | 6.75% | ₹1,36,35,393 | ₹36,35,393 |
The interest earned on ₹1 Crore FD depends on the bank, interest rate, tenure, and compounding frequency. At 7% for 1 year (quarterly compounding), you would earn approximately ₹7,18,590 as interest.
For the highest returns on ₹1 Crore, 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 ₹1 Crore at ~7%, annual interest would be ~₹7,00,000, 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, ₹1 Crore FD would mature to approximately ₹1,41,47,782 in 5 years, earning ₹41,47,782 as interest.