AwesomeCalcsMoney tools that make sense

CtrlK

SIP Calculator
Lumpsum Calculator
SWP Calculator
Step-Up SIP Calculator
Advanced SIP Calculator
STP Calculator
MF Returns Calculator
XIRR Calculator
Crorepati Calculator
Goal Planning Calculator
Real Estate Returns Calculator
Cost of Delay Calculator
Impact of Fees Calculator
Bond Yield Calculator

EMI Calculator
Home Loan EMI Calculator
Home Loan Balance Transfer Calculator
Loan Prepayment Calculator
Loan Comparison Calculator
Stamp Duty & Registration Cost Calculator
Education Loan Calculator
Car Loan EMI Calculator
Gold Loan Eligibility Calculator
Personal Loan Eligibility Calculator
Down Payment Calculator
Flat vs Reducing Rate Calculator
Credit Card Interest & Minimum Due Calculator
Home Affordability Calculator
Rent vs Buy Calculator
Rental Yield Calculator
Debt Payoff Calculator: Snowball vs Avalanche

Budget Calculator
Emergency Fund Calculator
Net Worth Calculator

PPF Calculator
EPF Calculator
FD Calculator
RD Calculator
SSY Calculator
NSC Calculator
Post Office MIS Calculator
SCSS Calculator
KVP Calculator

Retirement Planning

FIRE Calculator
Retirement Calculator
NPS Calculator
APY Calculator
Annuity Payout Calculator
Asset Allocation Calculator

Life Insurance Calculator
HLV Calculator
Term Insurance Calculator
Health Insurance Cover Calculator

Income Tax Calculator
HRA Calculator
Tax Saving Calculator
Old vs New Tax Regime Calculator
TDS Calculator
GST Calculator
GSTR-3B Calculator
GST Composition Scheme Calculator
Advance Tax Calculator
TCS on E-commerce Sales Calculator
Property Capital Gains Calculator
LTCG Calculator
44AD vs 44ADA vs Regular Tax Calculator
44AD Presumptive Tax Calculator
44ADA Presumptive Tax Calculator
44AE Presumptive Tax Calculator
Crypto Tax Calculator
Senior Citizen Tax Calculator

Salary Calculator
Take Home Salary Calculator
Salary Hike Percentage Calculator
Salary Hike Amount Calculator

Inflation Calculator
Compound Interest Calculator
Simple Interest Calculator
Gratuity Calculator
ROI Calculator
CAGR Calculator
Discount Calculator
IRR Calculator
NPV Calculator
Rule of 72 Calculator

Resources

Blog

Loading

About Blog Contact Privacy Policy Terms of Use

© 2026 AwesomeCalcs

₹50,000 FD for 1 Year | AwesomeCalcs

Home
Savings
FD Calculator
₹50,000 FD for 1 Year

₹50,000 FD for 1 Year

See the maturity value and total interest earned on a ₹50,000 fixed deposit for 1 year at 7% p.a., compounded quarterly.

A ₹50,000 fixed deposit for 1 year at 7% p.a. (quarterly compounding) matures to ₹53,593, earning ₹3,593 in interest. FD interest is taxable at your income slab rate; for someone in the 30% bracket, the post-tax interest would be roughly ₹2,515. This FD uses quarterly compounding, which is the RBI standard; monthly compounding (offered by some banks) would give marginally higher returns.

This calculation's inputs

Deposit amount: ₹50,000
FD interest rate: 7% p.a.
Tenure: 12 months

Customise this calculation →

Your projected returns

Maturity value

7% p.a.

₹53,593

after 1 year

Invested amount

₹50,000

Total interest earned

₹3,593

+7% gain

Inflation-adjusted value

₹50,559

in today's ₹, at 6% inflation

7%is returns

Invested₹50.0K

Returns₹3.6K

Balance growth over time

Compare FD scenarios

₹50k / 1 yr

₹53.59k

+7%current

₹50k / 3 yrs

₹61.57k

₹1L / 1 yr

₹1.07L

₹1L / 5 yrs

₹1.41L

₹5L / 3 yrs

₹6.16L

₹10L / 5 yrs

₹14.15L

₹10k / 1 yr

₹10.72k

₹10k / 3 yrs

₹12.31k

₹25k / 1 yr

₹26.8k

₹25k / 3 yrs

₹30.79k

₹50k / 2 yrs

₹57.44k

₹50k / 5 yrs

₹70.74k

₹1L / 2 yrs

₹1.15L

₹1L / 3 yrs

₹1.23L

₹2L / 1 yr

₹2.14L

₹2L / 3 yrs

₹2.46L

₹2L / 5 yrs

₹2.83L

₹5L / 1 yr

₹5.36L

₹5L / 2 yrs

₹5.74L

₹5L / 5 yrs

₹7.07L

₹10L / 1 yr

₹10.72L

₹10L / 2 yrs

₹11.49L

₹10L / 3 yrs

₹12.31L

₹20L / 3 yrs

₹24.63L

₹20L / 5 yrs

₹28.3L

₹1L / 1 yr

₹1.08L

₹1L / 3 yrs

₹1.25L

₹1L / 5 yrs

₹1.45L

₹5L / 1 yr

₹5.39L

₹5L / 3 yrs

₹6.25L

₹5L / 5 yrs

₹7.25L

₹10L / 3 yrs

₹12.5L

₹10L / 5 yrs

₹14.5L

₹50k at 6.5%

₹53.33k

₹50k at 8.5%

₹54.39k

Related calculators

RD Calculator
Compare: recurring deposit vs this ₹50,000 FD over 1 years
SSY Calculator
Estimate the maturity amount for a Sukanya Samriddhi Yojana account.
NSC Calculator
NSC at 7.7% for 5 years vs this FD: see the difference
Post Office MIS Calculator
Work out the monthly income you will receive from a Post Office MIS account.

This calculator assumes a one-time deposit of ₹50,000 at 7% p.a., compounded quarterly (the standard convention for Indian fixed deposits), over a tenure of 12 months (1 year). Actual rates offered by banks vary and FD interest is taxable as per your income tax slab.

Year-by-year growth

Year	Invested	Split	Interest	Balance
1	₹50,000		₹3,593	₹53,593

What the numbers mean

At 6% annual inflation, ₹53,593 after 1 years has the purchasing power of ₹50,559 in today's money, a real gain of only ₹559. This FD barely keeps pace with inflation; consider whether this suits your goals.

FD interest is added to your income and taxed at your slab rate. At the 30% slab (income above ₹10 lakh under the new regime), the tax on ₹3,593 would be ₹1,121. At 20%, it would be ₹747. Banks deduct TDS at 10% if FD interest exceeds ₹40,000/year (₹50,000 for senior citizens). If your slab is higher, you will owe additional tax at filing. Estimate your slab with the Income Tax calculator.

Reinvesting ₹53,593 as a new FD for another 1 year at 7% gives ₹57,444. The power of renewal is that your interest now earns interest, compounding works even in fixed deposits if you keep reinvesting.

If you invested ₹4,167/month in an equity fund (matching total FD deposit spread monthly) at 12% for 1 years, the SIP corpus would be roughly ₹53,376. That is ₹216 less than this FD, though equity returns are volatile and unguaranteed. FDs make sense when you need certainty, not maximum growth. Model the SIP scenario with the SIP calculator.

Related questions

Extending a ₹50,000 FD from 1 year to 3 years takes the maturity value from about ₹53,593 to about ₹61,572, an increase of about 15%, because the interest earned in year 1 keeps compounding for 2 more years. Try the FD calculator with deposit = ₹50,000 and tenure = 36 months to see the full year-by-year table.

The FD formula scales linearly with the principal, so doubling the deposit to ₹1,00,000 for the same 1-year, 7% inputs doubles the maturity value too, from about ₹53,593 to about ₹1,07,186. Try deposit = ₹1,00,000 and tenure = 12 months on the FD calculator to confirm.

At 6% p.a. this ₹50,000 grows to about ₹53,068, and at 8% p.a. it grows to about ₹54,122, compared to about ₹53,593 at 7%. Try 6% and 8% instead of 7% on the FD calculator to see this range for a short 1-year deposit.