AwesomeCalcsMoney tools that make sense

SIP Calculator
Lumpsum Calculator
SWP Calculator
Step-Up SIP Calculator
STP Calculator
MF Returns Calculator
IRR Calculator
XIRR Calculator
Crorepati Calculator

EMI Calculator
Home Loan EMI Calculator
Education Loan Calculator
Car Loan EMI Calculator
Down Payment Calculator
Flat vs Reducing Rate Calculator
Home Affordability Calculator
Rent vs Buy Calculator

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

Retirement Planning

FIRE Calculator
Retirement Calculator
NPS Calculator
Goal Planning Calculator

Life Insurance Calculator
HLV Calculator
Term Insurance Calculator

Income Tax Calculator
HRA Calculator
Tax Saving Calculator
TDS Calculator
GST Calculator
GSTR-3B 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
LTCG Calculator
Discount Calculator

Loading

About Contact Privacy Policy Terms of Use

© 2026 AwesomeCalcs

₹5,00,000 FD for 1 Year | AwesomeCalcs

Home
Savings
FD Calculator
₹5,00,000 FD for 1 Year

₹5,00,000 FD for 1 Year

See the maturity value and total interest earned on a ₹5,00,000 fixed deposit for 1 year at 7% p.a., compounded quarterly.

A ₹5,00,000 fixed deposit for 1 year at 7% p.a. (quarterly compounding) matures to ₹5,35,930, earning ₹35,930 in interest. FD interest is taxable at your income slab rate; for someone in the 30% bracket, the post-tax interest would be roughly ₹25,151. 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: ₹5,00,000
FD interest rate: 7% p.a.
Tenure: 12 months

Customise this calculation →

Your projected returns

Maturity value

7% p.a.

₹5.36 Lakhs

₹5,35,930

after 1 year

Invested amount

₹5 Lakhs

₹5,00,000

Total interest earned

₹35,930

+7% gain

7%is returns

Invested₹5.0L

Returns₹35.9K

Balance growth over time

Compare FD scenarios

₹50k / 1 yr

₹53.59k

₹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

+7%current

₹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

₹5L at 6.5%

₹5.33L

₹5L at 8.5%

₹5.44L

Related calculators

PPF Calculator
PPF at 7.1% tax-free vs this FD at 7% taxable: which wins?
EPF Calculator
Estimate your Employee Provident Fund balance at retirement.
RD Calculator
Compare: recurring deposit vs this ₹5,00,000 FD over 1 years
SSY Calculator
Estimate the maturity amount for a Sukanya Samriddhi Yojana account.

This calculator assumes a one-time deposit of ₹5,00,000 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	₹5,00,000		₹35,930	₹5,35,930

What the numbers mean

At 6% annual inflation, ₹5,35,930 after 1 years has the purchasing power of ₹5,05,594 in today's money, a real gain of only ₹5,594. 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 ₹35,930 would be ₹11,210. At 20%, it would be ₹7,473. 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 ₹5,35,930 as a new FD for another 1 year at 7% gives ₹5,74,441. The power of renewal is that your interest now earns interest, compounding works even in fixed deposits if you keep reinvesting.

If you invested ₹41,667/month in an equity fund (matching total FD deposit spread monthly) at 12% for 1 years, the SIP corpus would be roughly ₹5,33,726. That is ₹2,203 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 ₹5,00,000 FD from 1 year to 3 years takes the maturity value from about ₹5,35,894 to about ₹6,15,720, an extra ₹79,826. Note that the interest on a ₹5 lakh FD at 7% is about ₹35,894 in year 1, which is just below the ₹40,000 TDS threshold; over 3 years the total interest crosses that threshold. Try the FD calculator with deposit = ₹5,00,000 and tenure = 36 months.

Doubling the deposit to ₹10,00,000 for the same 1-year, 7% inputs doubles the maturity value from about ₹5,35,894 to about ₹10,71,859. At ₹10 lakh the annual interest exceeds ₹40,000, so TDS at 10% (20% without PAN) will be deducted by the bank. Try deposit = ₹10,00,000 and tenure = 12 months on the FD calculator to confirm.

A ₹5,00,000 FD at 7% earns about ₹35,894 over 1 year with full predictability. A liquid fund typically yields 6.5 to 7% pre-tax with daily liquidity, and gains held over 3 years benefit from indexation (if invested before April 2023 rules). For a 1-year lock-up with no liquidity needed, the FD rate is comparable and simpler.