Source: https://awesomecalcs.com/fd-calculator/200000-fd-1-year
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹2,00,000 FD for 1 Year

> See the maturity value and total interest earned on a ₹2,00,000 fixed deposit for 1 year at 7% p.a., compounded quarterly.

Interactive calculator: https://awesomecalcs.com/fd-calculator/200000-fd-1-year

Keywords: 2 lakh FD 1 year maturity value, 200000 fixed deposit 1 year returns, FD calculator 200000, fixed deposit returns 1 year, FD vs RD 200000, 2 lakh bank FD 7 percent

## Scenario inputs

```json
{
  "inputs": {
    "principal": 200000,
    "interestRate": 7,
    "tenureMonths": 12
  }
}
```

## Frequently asked questions

### What if I extend this FD from 1 year to 3 years?

Extending a ₹2,00,000 FD from 1 year to 3 years takes the maturity value from about ₹2,14,358 to about ₹2,46,288, an extra ₹31,930 from 2 more years of quarterly compounding. Parking a year-end bonus in a short 1-year FD and then rolling it into a 3-year FD is a common low-effort strategy. Try the FD calculator with deposit = ₹2,00,000 and tenure = 36 months.

### What if I deposit ₹1,00,000 instead of ₹2,00,000 for the same 1 year?

Halving the deposit to ₹1,00,000 for the same 1-year, 7% inputs halves the maturity value from about ₹2,14,358 to about ₹1,07,186. Try deposit = ₹1,00,000 and tenure = 12 months on the FD calculator to confirm.

### How does a ₹2,00,000 FD for 1 year compare to an SIP?

A ₹2,00,000 FD at 7% earns a guaranteed ₹14,358 over 1 year. An equity SIP of the same size over 1 year carries volatility risk and short-term capital gains tax. For a goal with a 1-year horizon, the FD is the more predictable option; move to an equity SIP only for goals that are 5 or more years away.