FD Calculator for ₹12.00 Lakhs
Quarterly Compounding Maturity (SBI, HDFC, ICICI Standards)
General Public (7.25%)
₹14.89 Lakhs
Total Interest: +₹2.89 Lakhs
Senior Citizen (7.75%)
₹15.11 Lakhs
Total Interest: +₹3.11 Lakhs
FD Payout Details
3-Year Cumulative Maturity
₹14.89 Lakhs
Quarterly Compounding Applied
Deposit Principal:₹1,200,000
Quarterly Interest Option:₹21,750 / qtr
Monthly Equivalent:₹7,250 / mo
Senior Bonus Profit:+₹22,081 extra
₹1,200,000 FD Returns Across Different Tenures
| FD Tenure | Interest Rate | Total Interest (₹) | Maturity Amount (₹) | Senior Citizen Maturity |
|---|---|---|---|---|
| 1 Year | 6.8% p.a. | +₹83,704 | ₹12.84 Lakhs | ₹12.90 Lakhs |
| 2 Years | 7% p.a. | +₹1.79 Lakhs | ₹13.79 Lakhs | ₹13.92 Lakhs |
| 3 Years | 7.25% p.a. | +₹2.89 Lakhs | ₹14.89 Lakhs | ₹15.11 Lakhs |
| 5 Years (Tax Saver) | 7.1% p.a. | +₹5.06 Lakhs | ₹17.06 Lakhs | ₹17.48 Lakhs |
| 10 Years | 6.5% p.a. | +₹10.87 Lakhs | ₹22.87 Lakhs | ₹24.02 Lakhs |
Frequently Asked Questions
For a ₹12.00 Lakhs FD with 3-year tenure at 7.25% interest (quarterly compounding), you will earn ₹2.89 Lakhs in interest, giving a total maturity value of ₹14.89 Lakhs. Senior citizens receive ₹15.11 Lakhs.
If you opt for a non-cumulative FD with quarterly payout, you will receive approximately ₹21,750 every 3 months.