FD Calculator for ₹1.20 Lakhs
Quarterly Compounding Maturity (SBI, HDFC, ICICI Standards)
General Public (7.25%)
₹1.49 Lakhs
Total Interest: +₹28,866
Senior Citizen (7.75%)
₹1.51 Lakhs
Total Interest: +₹31,074
FD Payout Details
3-Year Cumulative Maturity
₹1.49 Lakhs
Quarterly Compounding Applied
Deposit Principal:₹120,000
Quarterly Interest Option:₹2,175 / qtr
Monthly Equivalent:₹725 / mo
Senior Bonus Profit:+₹2,208 extra
₹120,000 FD Returns Across Different Tenures
| FD Tenure | Interest Rate | Total Interest (₹) | Maturity Amount (₹) | Senior Citizen Maturity |
|---|---|---|---|---|
| 1 Year | 6.8% p.a. | +₹8,370 | ₹1.28 Lakhs | ₹1.29 Lakhs |
| 2 Years | 7% p.a. | +₹17,866 | ₹1.38 Lakhs | ₹1.39 Lakhs |
| 3 Years | 7.25% p.a. | +₹28,866 | ₹1.49 Lakhs | ₹1.51 Lakhs |
| 5 Years (Tax Saver) | 7.1% p.a. | +₹50,610 | ₹1.71 Lakhs | ₹1.75 Lakhs |
| 10 Years | 6.5% p.a. | +₹1.09 Lakhs | ₹2.29 Lakhs | ₹2.40 Lakhs |
Frequently Asked Questions
For a ₹1.20 Lakhs FD with 3-year tenure at 7.25% interest (quarterly compounding), you will earn ₹28,866 in interest, giving a total maturity value of ₹1.49 Lakhs. Senior citizens receive ₹1.51 Lakhs.
If you opt for a non-cumulative FD with quarterly payout, you will receive approximately ₹2,175 every 3 months.