Source: https://awesomecalcs.com/compound-interest-calculator/100000-at-8pct-10-years
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹1,00,000 at 8% Compound Interest for 10 Years

> See how ₹1,00,000 grows with 8% p.a. compound interest (compounded quarterly) over 10 years, with a year-by-year interest breakdown.

Interactive calculator: https://awesomecalcs.com/compound-interest-calculator/100000-at-8pct-10-years

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## Scenario inputs

```json
{
  "inputs": {
    "principal": 100000,
    "annualInterestRate": 8,
    "compoundingFrequency": 4,
    "years": 10
  }
}
```

## Frequently asked questions

### What if I invest ₹5,00,000 instead of ₹1,00,000 at the same rate and term?

The compound interest formula scales linearly with the principal, so investing ₹5,00,000 for 10 years at 8% (quarterly) gives exactly 5x the maturity value of the ₹1,00,000 scenario. See the ₹5,00,000 at 8% for 10 years page for the full breakdown.

### What is the effective annual rate (EAR) of 8% compounded quarterly?

The effective annual rate of 8% compounded quarterly is (1 + 0.08/4)^4 - 1 = 8.24% p.a. This means every ₹1,00,000 effectively earns ₹8,240 in year 1, not ₹8,000 as with simple interest. Over 10 years, this makes a meaningful difference to the final corpus.

### How does ₹1,00,000 at 8% CI for 10 years compare to the same in an FD?

Indian bank FDs compound quarterly, the same convention used here. At 8% p.a. quarterly compounding over 10 years, this calculation closely approximates a bank FD's maturity value. The main difference: FD interest is taxable at your income slab rate, while equity investments may attract LTCG at 12.5% on gains over ₹1.25 lakh. Use the FD calculator with the same inputs to confirm.