₹20,000 FD for 2 years
Matures at ₹23,433 at the highest published rate, 8.00% with Manipal Housing Finance.
Interest ₹2,597 to ₹3,433 across 39 banks · quarterly compounding, pre-tax · rates as of 24 Aug 2026
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Indian banks publish one rate for every retail deposit below ₹3 crore, so the rate on ₹20,000 is the same as on ₹1 lakh. What changes with the amount is the rupee outcome, which is what the table below shows, bank by bank. Every figure on this page is computed with quarterly compounding and is pre-tax.
What ₹20,000 becomes
Maturity value on a 2-year deposit
Across the 39 banks we track at this tenor, the interest on ₹20,000 spans ₹836 between the highest and lowest published rate. Quarterly compounding, pre-tax.
| Bank | Rate | Interest | Maturity value | vs median |
|---|---|---|---|---|
 Manipal Housing FinanceHFC | 8.00% | ₹3,433 | ₹23,433 | +₹455 |
 Muthoot Capital ServicesNBFC | 8.00% | ₹3,433 | ₹23,433 | +₹455 |
 Shivalik Small Finance BankSFB | 8.00% | ₹3,433 | ₹23,433 | +₹455 |
 Ujjivan Small Finance BankSFB | 7.80% | ₹3,341 | ₹23,341 | +₹363 |
 ESAF Small Finance BankSFB | 7.75% | ₹3,319 | ₹23,319 | +₹341 |
 SBM BankForeign | 7.55% | ₹3,227 | ₹23,227 | +₹249 |
 Utkarsh Small Finance BankSFB | 7.50% | ₹3,204 | ₹23,204 | +₹226 |
 DCB BankPvt | 7.50% | ₹3,204 | ₹23,204 | +₹226 |
 Slice Small Finance BankSFB | 7.50% | ₹3,204 | ₹23,204 | +₹226 |
 Suryoday Small Finance BankSFB | 7.25% | ₹3,091 | ₹23,091 | +₹113 |
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
₹20,000 across every tenor
Highest published rate at each tenor, compounded quarterly, pre-tax.
Deposit ladder
Other deposit sizes over 2-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 | ₹8,583 | ₹58,583 | retail · 8.00% |
| ₹1,00,0001 lakh | ₹17,166 | ₹1,17,166 | retail · 8.00% |
| ₹2,00,0002 lakh | ₹34,332 | ₹2,34,332 | retail · 8.00% |
| ₹5,00,0005 lakh | ₹85,830 | ₹5,85,830 | retail · 8.00% |
| ₹10,00,00010 lakh | ₹1,71,659 | ₹11,71,659 | retail · 8.00% |
| ₹20,00,00020 lakh | ₹3,43,319 | ₹23,43,319 | retail · 8.00% |
| ₹50,00,00050 lakh | ₹8,58,297 | ₹58,58,297 | retail · 8.00% |
| ₹1,00,00,0001 crore | ₹17,16,594 | ₹1,17,16,594 | retail · 8.00% |
| ₹2,50,00,0002.5 crore | ₹42,91,485 | ₹2,92,91,485 | retail · 8.00% |
| ₹5,00,00,0005 crore | ₹85,82,969 | ₹5,85,82,969 | bulk · 8.00% |
| ₹10,00,00,00010 crore | ₹1,71,65,938 | ₹11,71,65,938 | 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.