FD Rates for Rs 5,00,000 One-Time Investment: Compare SBI, HDFC Bank, ICICI Bank, PNB, post office 1-year fixed deposit interest returns
Latest Fixed Deposit (FD) Interest Rates in 2025: Are you looking for a reliable investment option that is risk-free and offers guaranteed interest rates? If yes, then fixed deposits can be an ideal option. But different banks offer different FDs. Let's compare FD interest rates offered by leading institutions, as well as calculate the maturity amount for a lump sum investment of Rs 5 lakh.
Latest Fixed Deposit (FD) Interest Rates in 2025: Are you planning to invest your savings and looking for a reliable investment option that is risk-free and offers a guaranteed interest rate? If yes, then fixed deposits (FDs) can be an ideal option for you. It allows investors to invest a lump sum amount for a fixed tenure, typically ranging from a few months to several years.
(Disclaimer: Our calculations are projections and not investment advice. Do your own due diligence or consult an expert for financial planning.)
Who offers FDs?
These are investment options offered by banks and non-banking financial companies (NBFCs).
Time limit for FDs
FDs typically have a minimum tenure of 7 days and a maximum tenure of 10 years.
Compare 1-year FD returns
In this write-up, we will compare the FD interest rates for a 1-year tenure in 2025 offered by prominent institutions such as SBI, ICICI Bank, HDFC Bank, PNB, and the Post Office.
Calculate maturity amounts
Additionally, we will calculate the maturity amounts for both general customers and senior citizens for a Rs 5 lakh one-time investment in 1-year FD.
SBI fixed deposit interest rates (2025)
For general customers: 6.80%
For senior citizens: 7.30%
SBI FD interest calculation: Rs 5 lakh investment
If you invest Rs 5 lakh as a lump sum in SBI's FD for 1 year, then according to the calculations
- As a general customer, you will receive Rs 5,34,877.
- As a senior citizen, you will receive Rs 5,37,511.
PNB fixed deposit interest rates (2025)
For general customers: 6.80%
For senior citizens: 7.30%
PNB FD interest calculation: Rs 5 lakh investment
If you invest Rs 5 lakh as a lump sum in PNB's FD for 1 year, then according to the calculations
- As a general customer, you will receive Rs 5,34,877.
- As a senior citizen, you will receive Rs 5,37,511.
HDFC Bank fixed deposit interest rates (2025)
For general customers: 6.60%
For senior citizens: 7.10%
HDFC Bank FD interest calculation: Rs 5 lakh investment
If you invest Rs 5 lakh as a lump sum in HDFC Bank's FD for 1 year, then according to the calculations
- As a general customer, you will receive Rs 5,33,826.
- As a senior citizen, you will receive Rs 5,36,456.
ICICI Bank fixed deposit interest rates (2025)
For general customers: 6.70%
For senior citizens: 7.20%
ICICI Bank FD interest calculation: Rs 5 lakh investment
If you invest Rs 5 lakh as a lump sum in ICICI Bank's FD for 1 year, then according to the calculations
- As a general customer, you will receive Rs 5,34,351.
- As a senior citizen, you will receive Rs 5,36,984.
Post Office fixed deposit interest rates (2025)
For all customers: 6.90% (Applicable for 1-year FDs)
A Rs 5 lakh investment in a Post Office 1-year FD will yield Rs 5,35,403 at maturity.