Source: https://awesomecalcs.com/fd-calculator/500000-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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# ₹5,00,000 FD for 1 Year

> See the maturity value and total interest earned on a ₹5,00,000 fixed deposit for 1 year at 7% p.a., compounded quarterly.

Interactive calculator: https://awesomecalcs.com/fd-calculator/500000-fd-1-year

Keywords: 5 lakh FD 1 year maturity value, 500000 fixed deposit 1 year returns, FD calculator 500000, fixed deposit returns 1 year, FD vs RD 500000, 5 lakh bank FD 7 percent

## Scenario inputs

```json
{
  "inputs": {
    "principal": 500000,
    "interestRate": 7,
    "tenureMonths": 12
  }
}
```

## Frequently asked questions

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

Extending a ₹5,00,000 FD from 1 year to 3 years takes the maturity value from about ₹5,35,894 to about ₹6,15,720, an extra ₹79,826. Note that the interest on a ₹5 lakh FD at 7% is about ₹35,894 in year 1, which is just below the ₹40,000 TDS threshold; over 3 years the total interest crosses that threshold. Try the FD calculator with deposit = ₹5,00,000 and tenure = 36 months.

### What if I deposit ₹10,00,000 instead of ₹5,00,000 for the same 1 year?

Doubling the deposit to ₹10,00,000 for the same 1-year, 7% inputs doubles the maturity value from about ₹5,35,894 to about ₹10,71,859. At ₹10 lakh the annual interest exceeds ₹40,000, so TDS at 10% (20% without PAN) will be deducted by the bank. Try deposit = ₹10,00,000 and tenure = 12 months on the FD calculator to confirm.

### How does a ₹5,00,000 FD for 1 year compare to a liquid mutual fund?

A ₹5,00,000 FD at 7% earns about ₹35,894 over 1 year with full predictability. A liquid fund typically yields 6.5 to 7% pre-tax with daily liquidity, and gains held over 3 years benefit from indexation (if invested before April 2023 rules). For a 1-year lock-up with no liquidity needed, the FD rate is comparable and simpler.