Capera

5,25,00,000 FD for 2 years

Matures at 6,15,12,118 at the highest published rate, 8.00% with Manipal Housing Finance.

Interest ₹68,15,888 to ₹90,12,118 across 15 banks · quarterly compounding, pre-tax · rates as of 24 Aug 2026

Tenor

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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 ₹5,25,00,000 becomes

Maturity value on a 2-year deposit

Across the 15 banks we track at this tenor, the interest on ₹5,25,00,000 spans ₹21,96,230 between the highest and lowest published rate. Quarterly compounding, pre-tax.

BankRateInterestMaturity valuevs median
Manipal Housing FinanceHFC8.00%90,12,1186,15,12,118+13,37,947
Muthoot Capital ServicesNBFC8.00%90,12,1186,15,12,118+13,37,947
Sundaram FinanceNBFC7.25%81,13,3266,06,13,326+4,39,155
KKTDFCNBFC7.00%78,16,2946,03,16,294+1,42,123
Sundaram Home FinanceHFC7.00%78,16,2946,03,16,294+1,42,123
Mahindra FinanceNBFC7.00%78,16,2946,03,16,294+1,42,123
ICICI Home FinanceHFC6.95%77,57,0406,02,57,040+82,869
Shriram FinanceNBFC6.88%76,74,1716,01,74,171+0
PNB Housing FinanceHFC6.85%76,38,6866,01,38,68635,485
LIC Housing FinanceHFC6.80%75,79,5856,00,79,58594,586

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

5,25,00,000 across every tenor

Highest published rate at each tenor, compounded quarterly, pre-tax.

TenorTop rateInterestMaturity value
7-day4.50%45,0755,25,45,075
30-day5.00%2,14,8555,27,14,855
90-day5.95%7,70,1625,32,70,162
180-day5.95%15,51,6215,40,51,621
1-year8.00%43,27,6885,68,27,688
2-year8.00%90,12,1186,15,12,118
3-year8.50%1,50,68,4786,75,68,478
5-year8.50%2,74,46,7287,99,46,728

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%.

DepositInterestMaturity valueCard
50,000₹50,0008,58358,583retail · 8.00%
1,00,0001 lakh17,1661,17,166retail · 8.00%
2,00,0002 lakh34,3322,34,332retail · 8.00%
5,00,0005 lakh85,8305,85,830retail · 8.00%
10,00,00010 lakh1,71,65911,71,659retail · 8.00%
20,00,00020 lakh3,43,31923,43,319retail · 8.00%
50,00,00050 lakh8,58,29758,58,297retail · 8.00%
1,00,00,0001 crore17,16,5941,17,16,594retail · 8.00%
2,50,00,0002.5 crore42,91,4852,92,91,485retail · 8.00%
5,00,00,0005 crore85,82,9695,85,82,969bulk · 8.00%
10,00,00,00010 crore1,71,65,93811,71,65,938bulk · 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.