FD interest for every amount
What a bank fixed deposit earns, from ₹1 lakh to ₹1 crore — as a monthly payout, or left to compound for 1, 3 or 5 years.
Use your own FD| Deposit | Monthly payout | 1 year | 3 years | 5 years |
|---|---|---|---|---|
| ₹1 lakh | ₹539 | ₹6,660 | ₹21.3K | ₹38K |
| ₹2 lakh | ₹1,078 | ₹13,320 | ₹42.7K | ₹76.1K |
| ₹3 lakh | ₹1,616 | ₹19,980 | ₹64K | ₹1.14 L |
| ₹5 lakh | ₹2,694 | ₹33,301 | ₹1.07 L | ₹1.9 L |
| ₹10 lakh | ₹5,388 | ₹66,602 | ₹2.13 L | ₹3.8 L |
| ₹15 lakh | ₹8,081 | ₹99,902 | ₹3.2 L | ₹5.71 L |
| ₹20 lakh | ₹10,775 | ₹1,33,203 | ₹4.27 L | ₹7.61 L |
| ₹25 lakh | ₹13,469 | ₹1,66,504 | ₹5.34 L | ₹9.51 L |
| ₹50 lakh | ₹26,938 | ₹3,33,008 | ₹10.67 L | ₹19.02 L |
| ₹1 crore | ₹53,876 | ₹6,66,016 | ₹21.34 L | ₹38.04 L |
At 6.5% a year, compounded quarterly. Interest before tax. Tap any row for the full breakdown.
Questions people ask
How is FD interest calculated?
Most banks compound FD interest every quarter: maturity = deposit × (1 + rate ÷ 4)^(4 × years). That’s why 7% a year works out to about 7.19% in practice.
Cumulative or monthly payout?
A cumulative FD reinvests the interest and pays it all at the end, so it earns the most. A payout FD sends interest to your account each month or quarter — useful as income, but it doesn’t compound.
How is FD interest taxed?
Added to your income and taxed at your slab rate, every year — even on a cumulative FD that hasn’t paid out yet. Banks deduct 10% TDS above ₹50,000 of interest a year (₹1 lakh for seniors), unless your income is below the taxable limit and you submit Form 121, which replaced Forms 15G and 15H in April 2026.
What rate are these at?
All at 6.5%, about what large banks pay for 1–5 years in late 2026 (seniors get 0.25–0.75% more). Small finance banks often pay 7.5% or more; each amount’s page shows 6% to 8.5%.