Source: https://awesomecalcs.com/fd-calculator/200000-fd-5-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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# ₹2,00,000 FD for 5 Years

> See the maturity value and total interest earned on a ₹2,00,000 fixed deposit for 5 years at 7% p.a., compounded quarterly.

Interactive calculator: https://awesomecalcs.com/fd-calculator/200000-fd-5-years

Keywords: 2 lakh FD 5 years maturity value, 200000 fixed deposit 5 years returns, FD calculator 200000, fixed deposit returns 5 years, FD vs RD 200000, 2 lakh bank FD 7 percent

## Scenario inputs

```json
{
  "inputs": {
    "principal": 200000,
    "interestRate": 7,
    "tenureMonths": 60
  }
}
```

## Frequently asked questions

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

Cutting the tenure to 3 years takes the maturity value from about ₹2,82,955 down to about ₹2,46,288, giving up roughly ₹36,667 in interest. A 5-year FD is a good fit for savings you are confident you will not need for the full term, such as a child education buffer or a planned home-renovation corpus. 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 5 years?

Halving the deposit to ₹1,00,000 for the same 5-year, 7% inputs halves the maturity value from about ₹2,82,955 to about ₹1,41,478. Try deposit = ₹1,00,000 and tenure = 60 months on the FD calculator to confirm.

### How does a ₹2,00,000 FD for 5 years compare to an equity SIP of the same size?

A ₹2,00,000 FD at 7% earns a guaranteed ₹82,955 over 5 years. A lump-sum equity investment of the same amount historically grows more over 5 years, but with volatility and capital-gains tax on exit. If you need certainty (for a goal like a house down payment), the FD wins; if you can tolerate ups and downs, equity offers higher potential returns over 5 years.