₹1 Lakh FD Calculator
Calculate maturity for ₹1 Lakh Fixed Deposit
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₹1 Lakh FD Returns at Different Tenures
🏦 1 Year @7%₹107,000 (+₹7,000)
📈 3 Years @7.5%₹124,230 (+₹24,230)
💰 5 Years @8%₹146,933 (+₹46,933)
⭐ 10 Years @8.5%₹226,098 (+₹126,098)
Bank-wise Returns for ₹1 Lakh
SBI (7.10%) - 5 Years₹140,912
HDFC (7.20%) - 5 Years₹141,571
ICICI (7.20%) - 5 Years₹141,571
Kotak (7.40%) - 5 Years₹142,896
IDFC First (7.50%) - 5 Years₹143,563
Benefits of ₹1 Lakh Fixed Deposit
- ✓ Guaranteed Returns: Fixed interest rate for entire tenure
- ✓ Capital Protection: ₹1 Lakh principal is fully protected
- ✓ Flexible Tenure: Choose 7 days to 10 years
- ✓ Loan Facility: Get loan up to 90% of FD value
- ✓ Tax Benefits: 5-year FD qualifies for 80C deduction
Frequently Asked Questions
What is the maturity amount for ₹1 Lakh FD?
Maturity amount depends on tenure and interest rate. For 5 years at 7.5%, maturity is ₹143,563. Use our calculator above for exact calculation.
Which bank gives highest interest for ₹1 Lakh FD?
IDFC First Bank offers 7.50% for regular citizens and 8.00% for senior citizens. Kotak Bank offers 7.40% for regular citizens.
Is ₹1 Lakh FD taxable?
Yes, FD interest is added to income and taxed per slab. 10% TDS applies if yearly interest exceeds ₹40,000 (₹50,000 for senior citizens).
Can I break ₹1 Lakh FD before maturity?
Yes, but penalty of 0.5-1% applies. Some banks offer no penalty FDs with slightly lower rates.
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