FD Rates for Rs 7.5 Lakh One-Time Investment: Compare SBI, HDFC Bank, ICICI Bank, PNB, post office 5-year fixed deposit returns

Latest Fixed Deposit (FD) Interest Rates in 2025: If you are planning to invest your savings and looking for a reliable investment option that is risk-free and offers a guaranteed interest rate, then Fixed Deposits (FDs) may be the solution for you. These are investment options offered by banks and non-banking financial companies (NBFCs). It allows investors to invest a lump sum amount for a fixed tenure, typically ranging from a few months to several years. In this write-up, we will compare the FD interest rates for a 5-year tenure in 2025 offered by prominent institutions such as SBI, ICICI Bank, HDFC Bank, PNB, and the Post Office. Additionally, we will calculate the maturity amounts for both general customers and senior citizens for a Rs 7.5 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.)

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SBI fixed deposit interest rates (2025)

SBI fixed deposit interest rates (2025)1/11

- For general customers: 6.50%   - For senior citizens: 7.50%

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SBI FD interest calculation: Rs 7.5 lakh investment

SBI FD interest calculation: Rs 7.5 lakh investment2/11

- For general customers: A Rs 7.5 lakh investment in SBI’s 5-year FD will yield Rs 10,35,315 at maturity.   - For senior citizens: You will receive Rs 10,87,461 upon maturity.

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PNB fixed deposit interest rates (2025)

PNB fixed deposit interest rates (2025)3/11

- For general customers: 6.50%   - For senior citizens: 7.00%

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PNB FD interest calculation: Rs 7.5 lakh investment

PNB FD interest calculation: Rs 7.5 lakh investment4/11

- For general customers: A Rs 7.5 lakh investment in PNB’s 5-year FD will grow to Rs 10,35,315 at maturity.   - For senior citizens: You will receive Rs 10,61,084 upon maturity.

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HDFC Bank fixed deposit interest rates (2025)

HDFC Bank fixed deposit interest rates (2025)5/11

- For general customers: 7.00%   - For senior citizens: 7.50%  

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HDFC FD interest calculation: Rs 7.5 lakh investment

HDFC FD interest calculation: Rs 7.5 lakh investment6/11

-For general customers: A Rs 7.5 lakh investment in HDFC’s 5-year FD will amount to Rs 10,61,084 at maturity.   - For senior citizens: You will receive Rs 10,87,461 upon maturity.

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ICICI Bank fixed deposit interest rates (2025)

ICICI Bank fixed deposit interest rates (2025)7/11

- For general customers: 7.00%   - For senior citizens: 7.50%

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ICICI FD interest calculation: Rs 7.5 lakh investment

ICICI FD interest calculation: Rs 7.5 lakh investment8/11

- For general customers: A Rs 7.5 lakh investment in ICICI’s 5-year FD will result in Rs 10,61,084 upon maturity.   - For senior citizens: The maturity amount will be Rs 10,87,461 after 5 years.

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Post Office fixed deposit interest rates (2025)

Post Office fixed deposit interest rates (2025)9/11

- For all customers: 7.50% (Applicable for 5-year FDs)

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Post Office FD interest calculation: Rs 5 lakh investment

Post Office FD interest calculation: Rs 5 lakh investment10/11

- A Rs 7.5 lakh investment in a Post Office 5-year FD will yield Rs 10,87,461 at maturity.

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5-year FDs eligible for tax deductions

5-year FDs eligible for tax deductions11/11

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.