Calculate maturity for ₹25 Lakh Fixed Deposit for 1 Year. Compare rates across 25+ banks and NBFCs.
| Year | Deposit | Interest Earned | Maturity Value |
|---|
Investing ₹25 Lakh in a 1 Year FD? At an average rate of 7.01%, your deposit would mature to approximately ₹26,79,911 with ₹1,79,911 as interest earned.
Deposit: ₹25 Lakh · Quarterly compounding
| Bank | General Rate | Senior Rate | Maturity | Interest Earned |
|---|---|---|---|---|
| Mahindra Finance | 7.5% | 7.75% | ₹26,92,840 | ₹1,92,840 |
| Shriram Finance | 7.5% | 7.75% | ₹26,92,840 | ₹1,92,840 |
| Bajaj Finserv | 7.4% | 7.65% | ₹26,90,197 | ₹1,90,197 |
| IndusInd Bank | 7.25% | 7.75% | ₹26,86,238 | ₹1,86,238 |
| Yes Bank | 7.25% | 7.75% | ₹26,86,238 | ₹1,86,238 |
| Bandhan Bank | 7.25% | 7.75% | ₹26,86,238 | ₹1,86,238 |
| PNB Housing | 7.25% | 7.5% | ₹26,86,238 | ₹1,86,238 |
| Kotak Mahindra Bank | 7.1% | 7.6% | ₹26,82,282 | ₹1,82,282 |
| LIC Housing | 7.1% | 7.35% | ₹26,82,282 | ₹1,82,282 |
| Federal Bank | 7% | 7.5% | ₹26,79,648 | ₹1,79,648 |
| South Indian Bank | 7% | 7.5% | ₹26,79,648 | ₹1,79,648 |
| ICICI Bank | 6.9% | 7.4% | ₹26,77,015 | ₹1,77,015 |
| Axis Bank | 6.9% | 7.4% | ₹26,77,015 | ₹1,77,015 |
| IDFC First Bank | 6.9% | 7.4% | ₹26,77,015 | ₹1,77,015 |
| Post Office | 6.9% | 6.9% | ₹26,77,015 | ₹1,77,015 |
| Bank of Baroda | 6.85% | 7.35% | ₹26,75,699 | ₹1,75,699 |
| Canara Bank | 6.85% | 7.35% | ₹26,75,699 | ₹1,75,699 |
| SBI | 6.8% | 7.3% | ₹26,74,384 | ₹1,74,384 |
| HDFC Bank | 6.8% | 7.3% | ₹26,74,384 | ₹1,74,384 |
| PNB | 6.8% | 7.3% | ₹26,74,384 | ₹1,74,384 |
| Union Bank | 6.8% | 7.3% | ₹26,74,384 | ₹1,74,384 |
| IDBI Bank | 6.8% | 7.3% | ₹26,74,384 | ₹1,74,384 |
| Bank of India | 6.8% | 7.3% | ₹26,74,384 | ₹1,74,384 |
| Indian Bank | 6.75% | 7.25% | ₹26,73,070 | ₹1,73,070 |
| Central Bank | 6.7% | 7.2% | ₹26,71,756 | ₹1,71,756 |
The interest earned on ₹25 Lakh FD depends on the bank, interest rate, tenure, and compounding frequency. At 7% for 1 year (quarterly compounding), you would earn approximately ₹1,79,648 as interest.
For the highest returns on ₹25 Lakh, NBFCs like Bajaj Finserv, Shriram Finance, and Mahindra Finance typically offer higher rates (7.5-8%). Among banks, private banks like IndusInd and Yes Bank offer competitive rates.
TDS at 10% is deducted if FD interest exceeds ₹40,000 per year (₹50,000 for senior citizens). For ₹25 Lakh at ~7%, annual interest would be ~₹1,75,000, so TDS would be applicable.
DICGC covers up to ₹5 Lakh per bank. Since your deposit exceeds \u20B95 Lakh, consider splitting across banks for full insurance coverage. Also compare rates across banks to maximize returns.
At 7% with quarterly compounding, ₹25 Lakh FD would mature to approximately ₹35,36,945 in 5 years, earning ₹10,36,945 as interest.