FD Rates for Rs 20 Lakh One-time Investment: Compare SBI, HDFC Bank, ICICI Bank, PNB, post office 5-year fixed deposit returns
Latest FD Rates 2025: Are you looking for an investment option that is risk-free and offers guaranteed interest rates then Bank FD may be ideal for you. In this write-up, we will compare the latest FD interest rates for a 5-year tenure offered by prominent institutions. Additionally, we will calculate the maturity amounts for both general customers and senior citizens for Rs 20 lakh one time investment.
Latest FD Rates 2025: Are you looking for an investment option that is risk-free and offers guaranteed interest rates then Bank FD may be ideal for you. FDs or Fixed Deposits are investment options offered by banks and non-banking financial companies (NBFCs) that allow investors to invest a lump sum amount for a fixed period. However, it is important to know that different banks offer different FD rates depending on the investment amount and time period. In this write-up, we will compare the latest FD interest rates for a 5-year tenure offered by prominent institutions. Additionally, we will calculate the maturity amounts for both general customers and senior citizens for Rs 20 lakh one time investment.
(Disclaimer: Our calculations are projections and not investment advice. Do your own due diligence or consult an expert for financial planning.)
5-year FDs Eligible For Tax Deductions
It should be noted that under Section 80C of the Income Tax Act, people can save up to Rs 1.5 lakh annually by investing in 5-year FDs.
SBI Fixed Deposit Interest Rates (2025)
- For General Customers: 6.30%
- For Senior Citizens: 7.30%
SBI FD Interest Calculation: Rs 20 Lakh Investment
- For General Customers: A Rs 20 lakh investment in SBI’s 5-year FD will yield Rs 27,33,799 at maturity.
- For Senior Citizens: You will receive Rs 28,71,563 upon maturity.
PNB Fixed Deposit Interest Rates (2025)
- For General Customers: 6.50%
- For Senior Citizens: 7.00%
PNB FD Interest Calculation: Rs 20 Lakh Investment
- For General Customers: A Rs 20 lakh investment in PNB’s 5-year FD will grow to Rs 27,60,840 at maturity.
- For Senior Citizens: You will receive Rs 28,29,556 upon maturity.
HDFC Bank Fixed Deposit Interest Rates (2025)
- For General Customers: 6.40%
- For Senior Citizens: 6.90%
HDFC FD Interest Calculation: Rs 20 Lakh Investment
- For General Customers: A Rs 20 lakh investment in HDFC’s 5-year FD will amount to Rs 27,47,288 at maturity.
- For Senior Citizens: You will receive Rs 28,15,684 upon maturity.
ICICI Bank Fixed Deposit Interest Rates (2025)
- For General Customers: 6.60%
- For Senior Citizens: 7.10%
ICICI FD Interest Calculation: Rs 20 Lakh Investment
- For General Customers: A Rs 20 lakh investment in ICICI’s 5-year FD will result in Rs 27,74,455 upon maturity.
- For Senior Citizens: The maturity amount will be Rs 28,43,493 after 5 years.
Post Office Fixed Deposit Interest Rates (2025)
- For All Customers: 7.50% (Applicable for 5-year FDs)
Post Office FD Interest Calculation: Rs 20 Lakh Investment
- A Rs 20 lakh investment in a Post Office 5-year FD will yield Rs 28,99,896 at maturity.