Calculate maturity for ₹25 Lakh Fixed Deposit for 5 Years. Compare rates across 25+ banks and NBFCs.
| Year | Deposit | Interest Earned | Maturity Value |
|---|
Investing ₹25 Lakh in a 5 Years FD? At an average rate of 6.83%, your deposit would mature to approximately ₹35,07,515 with ₹10,07,515 as interest earned.
Deposit: ₹25 Lakh · Quarterly compounding
| Bank | General Rate | Senior Rate | Maturity | Interest Earned |
|---|---|---|---|---|
| Shriram Finance | 7.61% | 7.86% | ₹36,44,490 | ₹11,44,490 |
| Mahindra Finance | 7.55% | 7.8% | ₹36,33,776 | ₹11,33,776 |
| Post Office | 7.5% | 7.5% | ₹36,24,870 | ₹11,24,870 |
| Bajaj Finserv | 7.4% | 7.65% | ₹36,07,121 | ₹11,07,121 |
| PNB Housing | 7.25% | 7.5% | ₹35,80,651 | ₹10,80,651 |
| HDFC Bank | 7% | 7.5% | ₹35,36,945 | ₹10,36,945 |
| Axis Bank | 7% | 7.5% | ₹35,36,945 | ₹10,36,945 |
| IndusInd Bank | 7% | 7.5% | ₹35,36,945 | ₹10,36,945 |
| Yes Bank | 7% | 7.5% | ₹35,36,945 | ₹10,36,945 |
| IDFC First Bank | 7% | 7.5% | ₹35,36,945 | ₹10,36,945 |
| LIC Housing | 7% | 7.25% | ₹35,36,945 | ₹10,36,945 |
| ICICI Bank | 6.9% | 7.4% | ₹35,19,605 | ₹10,19,605 |
| Canara Bank | 6.7% | 7.2% | ₹34,85,167 | ₹9,85,167 |
| SBI | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Kotak Mahindra Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Bank of Baroda | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| PNB | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Union Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Indian Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| IDBI Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Bank of India | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Central Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Federal Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| Bandhan Bank | 6.5% | 7% | ₹34,51,049 | ₹9,51,049 |
| South Indian Bank | 6.25% | 6.75% | ₹34,08,848 | ₹9,08,848 |
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.