FD Calculator for ₹4.00 Lakhs
Quarterly Compounding Maturity (SBI, HDFC, ICICI Standards)
General Public (7.25%)
₹4.96 Lakhs
Total Interest: +₹96,219
Senior Citizen (7.75%)
₹5.04 Lakhs
Total Interest: +₹1.04 Lakhs
FD Payout Details
3-Year Cumulative Maturity
₹4.96 Lakhs
Quarterly Compounding Applied
Deposit Principal:₹400,000
Quarterly Interest Option:₹7,250 / qtr
Monthly Equivalent:₹2,417 / mo
Senior Bonus Profit:+₹7,360 extra
₹400,000 FD Returns Across Different Tenures
| FD Tenure | Interest Rate | Total Interest (₹) | Maturity Amount (₹) | Senior Citizen Maturity |
|---|---|---|---|---|
| 1 Year | 6.8% p.a. | +₹27,901 | ₹4.28 Lakhs | ₹4.30 Lakhs |
| 2 Years | 7% p.a. | +₹59,553 | ₹4.60 Lakhs | ₹4.64 Lakhs |
| 3 Years | 7.25% p.a. | +₹96,219 | ₹4.96 Lakhs | ₹5.04 Lakhs |
| 5 Years (Tax Saver) | 7.1% p.a. | +₹1.69 Lakhs | ₹5.69 Lakhs | ₹5.83 Lakhs |
| 10 Years | 6.5% p.a. | +₹3.62 Lakhs | ₹7.62 Lakhs | ₹8.01 Lakhs |
Frequently Asked Questions
For a ₹4.00 Lakhs FD with 3-year tenure at 7.25% interest (quarterly compounding), you will earn ₹96,219 in interest, giving a total maturity value of ₹4.96 Lakhs. Senior citizens receive ₹5.04 Lakhs.
If you opt for a non-cumulative FD with quarterly payout, you will receive approximately ₹7,250 every 3 months.