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# ₹1,00,000 Senior Citizen FD for 5 Years

> See the maturity value and total interest earned on a ₹1,00,000 senior citizen fixed deposit for 5 years at 7.5% p.a., compounded quarterly.

Interactive calculator: https://awesomecalcs.com/fd-calculator/100000-senior-citizen-fd-5-years

Keywords: 1 lakh senior citizen FD 5 years maturity value, 100000 senior citizen fixed deposit 5 years returns, FD calculator 100000 senior citizen, senior citizen FD 100000, senior citizen fixed deposit interest, extra 0.5 percent FD senior citizen

## Scenario inputs

```json
{
  "inputs": {
    "principal": 100000,
    "interestRate": 7.5,
    "tenureMonths": 60
  }
}
```

## Frequently asked questions

### How much more does a senior citizen earn compared to a regular FD on ₹1,00,000 for 5 years?

At 7.5% p.a. a ₹1,00,000 senior citizen FD matures to about ₹1,44,565 after 5 years. The same FD at the regular 7% rate matures to about ₹1,41,478. The extra 0.5% adds roughly ₹3,087 over 5 years, as the compounding effect on the higher rate grows with each passing quarter.

### What is the TDS rule for senior citizen FD interest?

The ₹50,000 annual TDS exemption for senior citizens (Section 194A) applies per bank, not across all banks. On a ₹1,00,000 FD at 7.5% the annual interest is about ₹7,500, well below the limit, so no TDS. If you have multiple FDs at the same bank with total interest above ₹50,000 per year, submit Form 15H at the start of the financial year if your income is below the taxable threshold.

### How does a 5-year senior citizen FD compare to SCSS?

SCSS at 8.2% p.a. paid quarterly typically beats bank senior citizen FD rates on pre-tax returns for a 5-year tenure and also qualifies for Section 80C deduction up to ₹1.5 lakh. The key difference: SCSS interest is paid out quarterly (not reinvested), which suits those needing regular income. A 5-year FD reinvests the interest, giving a slightly higher lump-sum maturity value via compounding. Decide based on whether you need periodic income or a lump sum at the end.