₹4,00,00,000 FD for 1 year
Matures at ₹4,32,97,286 at the highest published rate, 8.00% with Manipal Housing Finance.
Interest ₹24,96,385 to ₹32,97,286 across 15 banks · quarterly compounding, pre-tax · rates as of 25 Aug 2026
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At ₹3 crore and above, banks quote from a separate bulk rate card rather than the retail one, so this page loads the bulk cohort. Every figure on this page is computed with quarterly compounding and is pre-tax.
What ₹4,00,00,000 becomes
Maturity value on a 1-year deposit
Across the 15 banks we track at this tenor, the interest on ₹4,00,00,000 spans ₹8,00,901 between the highest and lowest published rate. Quarterly compounding, pre-tax.
| Bank | Rate | Interest | Maturity value | vs median |
|---|---|---|---|---|
 Manipal Housing FinanceHFC | 8.00% | ₹32,97,286 | ₹4,32,97,286 | +₹5,49,196 |
 Muthoot Capital ServicesNBFC | 7.65% | ₹31,48,908 | ₹4,31,48,908 | +₹4,00,818 |
| KKTDFCNBFC | 7.00% | ₹28,74,361 | ₹4,28,74,361 | +₹1,26,271 |
 Sundaram FinanceNBFC | 6.97% | ₹28,61,722 | ₹4,28,61,722 | +₹1,13,632 |
 ICICI Home FinanceHFC | 6.85% | ₹28,11,191 | ₹4,28,11,191 | +₹63,101 |
 PNB Housing FinanceHFC | 6.70% | ₹27,48,090 | ₹4,27,48,090 | +₹0 |
 Sundaram Home FinanceHFC | 6.70% | ₹27,48,090 | ₹4,27,48,090 | +₹0 |
 LIC Housing FinanceHFC | 6.70% | ₹27,48,090 | ₹4,27,48,090 | +₹0 |
 Shriram FinanceNBFC | 6.64% | ₹27,22,869 | ₹4,27,22,869 | −₹25,221 |
 Axis BankPvt | 6.60% | ₹27,06,062 | ₹4,27,06,062 | −₹42,028 |
Published card rates, compounded quarterly. Your bank's own figure can differ by a few rupees depending on its day-count and compounding convention. Informational only, not a recommendation. Run your own numbers in the calculator →
Same deposit, longer lock-in
₹4,00,00,000 across every tenor
Highest published rate at each tenor, compounded quarterly, pre-tax.
Deposit ladder
Other deposit sizes over 1-year
At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 8.00%; deposits at or above it use the bulk card at 8.00%.
| Deposit | Interest | Maturity value | Card |
|---|---|---|---|
| ₹50,000₹50,000 | ₹4,122 | ₹54,122 | retail · 8.00% |
| ₹1,00,0001 lakh | ₹8,243 | ₹1,08,243 | retail · 8.00% |
| ₹2,00,0002 lakh | ₹16,486 | ₹2,16,486 | retail · 8.00% |
| ₹5,00,0005 lakh | ₹41,216 | ₹5,41,216 | retail · 8.00% |
| ₹10,00,00010 lakh | ₹82,432 | ₹10,82,432 | retail · 8.00% |
| ₹20,00,00020 lakh | ₹1,64,864 | ₹21,64,864 | retail · 8.00% |
| ₹50,00,00050 lakh | ₹4,12,161 | ₹54,12,161 | retail · 8.00% |
| ₹1,00,00,0001 crore | ₹8,24,322 | ₹1,08,24,322 | retail · 8.00% |
| ₹2,50,00,0002.5 crore | ₹20,60,804 | ₹2,70,60,804 | retail · 8.00% |
| ₹5,00,00,0005 crore | ₹41,21,608 | ₹5,41,21,608 | bulk · 8.00% |
| ₹10,00,00,00010 crore | ₹82,43,216 | ₹10,82,43,216 | bulk · 8.00% |
Compounded quarterly, pre-tax. Deposits at or above ₹3 crore are quoted off a separate bulk rate card, see bulk-deposit rates →
Figures are indicative and pre-tax, computed from each bank's published card rate with quarterly compounding. Capera is not a broker, dealer or investment adviser and does not accept deposits. Terms.