No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards
Calculate FD returns with senior citizen extra rates. Compare SBI, HDFC, ICICI, SFBs side by side. See monthly income, TDS impact, Section 80TTB benefit, and inflation-adjusted real returns.
Maturity Value
Deposit
₹10.00 L
Total Interest
₹2.50 L
Monthly Income
₹6,250/mo
Real Return (post-inflation)
1.33%
Maturity Value
Deposit
₹10.00 L
Total Interest
₹2.50 L
Monthly Income
₹6,250/mo
Real Return (post-inflation)
1.33%
₹10.00 L FD at 7.5% for 3Y → Maturity: ₹12.50 L, Interest: ₹2.50 L. Senior citizen extra 0.5% included.
Section 80TTB: Senior citizens ko ₹50,000 tak interest income tax-free hai. Aapka taxable interest: ₹25,000/year.
TDS: ₹8324/year katega (10% on interest > ₹50K). Form 15H submit karein agar total income taxable nahi hai — TDS cut nahi hoga.
Best rate: Unity SFB at 8.5% — ₹37,303 zyada milega! SFBs DICGC ₹5L insured hain.
₹6,250/month
₹75,000
Yearly interest income
3Y compounding
₹12.50 L
Interest: ₹2.50 L
Post office scheme
₹12.76 L
Govt guaranteed, 80C benefit
Sorted by effective rate. Includes senior citizen extra 0.25-0.5%.
| Bank | Type | Rate | Interest on ₹10.00 L | Maturity |
|---|---|---|---|---|
| Unity SFBBEST | SFB | 8.5% | ₹2.87 L | ₹12.87 L |
| Suryoday SFB | SFB | 8.5% | ₹2.87 L | ₹12.87 L |
| Bajaj Finance | Private | 8.3% | ₹2.79 L | ₹12.79 L |
| AU SFB | SFB | 8% | ₹2.68 L | ₹12.68 L |
| SBI | PSU/Govt | 7.5% | ₹2.50 L | ₹12.50 L |
| HDFC Bank | Private | 7.5% | ₹2.50 L | ₹12.50 L |
| ICICI Bank | Private | 7.5% | ₹2.50 L | ₹12.50 L |
| Post Office TD | PSU/Govt | 7% | ₹2.31 L | ₹12.31 L |
* SFBs (Small Finance Banks) are RBI-regulated and deposits up to ₹5L are DICGC insured. Split large deposits across banks for full coverage.
⚠️ Important Disclaimer: InvestingPro is not a registered investment advisor or SEBI-registered entity. Content is for educational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional before making investment decisions. Read full disclaimer →