₹20,00,000 FD for 3 years
Matures at ₹25,74,037 at the highest published rate, 8.50% with Muthoot Capital Services.
Interest ₹3,38,764 to ₹5,74,037 across 39 banks · quarterly compounding, pre-tax · rates as of 23 Aug 2026
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Indian banks publish one rate for every retail deposit below ₹3 crore, so the rate on 20 lakh 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 ₹20,00,000 becomes
Maturity value on a 3-year deposit
Across the 39 banks we track at this tenor, the interest on ₹20,00,000 spans ₹2,35,273 between the highest and lowest published rate. Quarterly compounding, pre-tax.
| Bank | Rate | Interest | Maturity value | vs median |
|---|---|---|---|---|
 Muthoot Capital ServicesNBFC | 8.50% | ₹5,74,037 | ₹25,74,037 | +₹1,11,158 |
 Manipal Housing FinanceHFC | 8.00% | ₹5,36,484 | ₹25,36,484 | +₹73,605 |
 SBM BankForeign | 7.65% | ₹5,10,496 | ₹25,10,496 | +₹47,617 |
 Utkarsh Small Finance BankSFB | 7.50% | ₹4,99,433 | ₹24,99,433 | +₹36,554 |
 Shivalik Small Finance BankSFB | 7.50% | ₹4,99,433 | ₹24,99,433 | +₹36,554 |
 Slice Small Finance BankSFB | 7.50% | ₹4,99,433 | ₹24,99,433 | +₹36,554 |
 AU Small Finance BankSFB | 7.40% | ₹4,92,082 | ₹24,92,082 | +₹29,203 |
 Ujjivan Small Finance BankSFB | 7.25% | ₹4,81,094 | ₹24,81,094 | +₹18,215 |
 Suryoday Small Finance BankSFB | 7.25% | ₹4,81,094 | ₹24,81,094 | +₹18,215 |
 Shriram FinanceNBFC | 7.25% | ₹4,81,094 | ₹24,81,094 | +₹18,215 |
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
₹20,00,000 across every tenor
Highest published rate at each tenor, compounded quarterly, pre-tax.
Deposit ladder
Other deposit sizes over 3-year
At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 8.50%; deposits at or above it use the bulk card at 8.50%.
| Deposit | Interest | Maturity value | Card |
|---|---|---|---|
| ₹50,000₹50,000 | ₹14,351 | ₹64,351 | retail · 8.50% |
| ₹1,00,0001 lakh | ₹28,702 | ₹1,28,702 | retail · 8.50% |
| ₹2,00,0002 lakh | ₹57,404 | ₹2,57,404 | retail · 8.50% |
| ₹5,00,0005 lakh | ₹1,43,509 | ₹6,43,509 | retail · 8.50% |
| ₹10,00,00010 lakh | ₹2,87,019 | ₹12,87,019 | retail · 8.50% |
| ₹20,00,00020 lakh | ₹5,74,037 | ₹25,74,037 | retail · 8.50% |
| ₹50,00,00050 lakh | ₹14,35,093 | ₹64,35,093 | retail · 8.50% |
| ₹1,00,00,0001 crore | ₹28,70,186 | ₹1,28,70,186 | retail · 8.50% |
| ₹2,50,00,0002.5 crore | ₹71,75,466 | ₹3,21,75,466 | retail · 8.50% |
| ₹5,00,00,0005 crore | ₹1,43,50,932 | ₹6,43,50,932 | bulk · 8.50% |
| ₹10,00,00,00010 crore | ₹2,87,01,863 | ₹12,87,01,863 | bulk · 8.50% |
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.