Source: https://awesomecalcs.com/fd-calculator/1000000-fd-3-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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# ₹10,00,000 FD for 3 Years

> See the maturity value and total interest earned on a ₹10,00,000 fixed deposit for 3 years at 7% p.a., compounded quarterly.

Interactive calculator: https://awesomecalcs.com/fd-calculator/1000000-fd-3-years

Keywords: 10 lakh FD 3 years maturity value, 1000000 fixed deposit 3 years returns, FD calculator 1000000, fixed deposit returns 3 years, FD vs RD 1000000, 10 lakh bank FD 7 percent

## Scenario inputs

```json
{
  "inputs": {
    "principal": 1000000,
    "interestRate": 7,
    "tenureMonths": 36
  }
}
```

## Frequently asked questions

### What if I extend this FD from 3 years to 5 years?

Extending a ₹10,00,000 FD from 3 to 5 years takes the maturity value from about ₹12,31,439 to about ₹14,14,778, an increase of about ₹1,83,339. At ₹10 lakh the total interest over 3 years is about ₹2,31,439, and TDS at 10% applies on interest above ₹40,000 per year. Try the FD calculator with deposit = ₹10,00,000 and tenure = 60 months.

### What if I deposit ₹5,00,000 instead of ₹10,00,000 for the same 3 years?

Halving the deposit to ₹5,00,000 for the same 3-year, 7% inputs halves the maturity value from about ₹12,31,439 to about ₹6,15,720. Try deposit = ₹5,00,000 and tenure = 36 months on the FD calculator to confirm.

### How does a ₹10,00,000 FD for 3 years compare to an SIP?

A ₹10,00,000 FD at 7% earns a guaranteed ₹2,31,439 over 3 years. An equity lump-sum investment of the same size has historically earned more over 3 years, but markets can be flat or down in any 3-year window. If this corpus is earmarked for a specific goal and you cannot afford to lose capital, the FD gives certainty that equities cannot.