FD Calculator for ₹10 Lakh — 5 Years Returns
Your deposit of ₹10 Lakh at 7% for 5 Years grows to ₹14.15 L.
Maturity Value
₹14.15 L
Total Invested
₹10.00 L
Est. Returns
₹4.15 L
Wealth Gain
41.5%
Breakdown
Invested: ₹10.00 L (71%)
Returns: ₹4.15 L (29%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (9.0%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹10.00 L | ₹10.00 L | ₹10.00 L |
| Maturity Value | ₹14.15 L | ₹15.61 L ↑ ₹1.46 L | ₹20.02 L ↑ ₹5.87 L |
| Est. Returns | ₹4.15 L | ₹5.61 L | ₹10.02 L |
💡 Understanding FD Returns on ₹10 Lakh
A ₹10 Lakh Fixed Deposit at 7% interest with quarterly compounding matures to ₹14.15 L in 5 Years. Your guaranteed interest earnings are ₹4.15 L — that's a 41.5% total gain with zero market risk. FDs remain India's safest investment vehicle, backed by DICGC insurance up to ₹5 Lakh per depositor per bank.
For deposits of ₹10 Lakh and above, consider splitting across multiple banks to maximize DICGC coverage. Each bank provides insurance up to ₹5 Lakh. Senior citizens get an additional 0.25-0.50% rate, which on ₹10 Lakh adds approximately ₹20,000 in extra interest over 5 Years. Compare rates across SBI, HDFC, ICICI, and small finance banks — the spread can be 1-2%.