₹4,00,00,000 FD for 5 years
Matures at ₹6,09,11,793 at the highest published rate, 8.50% with Muthoot Capital Services.
Interest ₹1,38,74,200 to ₹2,09,11,793 across 13 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 5-year deposit
Across the 13 banks we track at this tenor, the interest on ₹4,00,00,000 spans ₹70,37,593 between the highest and lowest published rate. Quarterly compounding, pre-tax.
| Bank | Rate | Interest | Maturity value | vs median |
|---|---|---|---|---|
 Muthoot Capital ServicesNBFC | 8.50% | ₹2,09,11,793 | ₹6,09,11,793 | +₹45,98,106 |
 Manipal Housing FinanceHFC | 7.50% | ₹1,79,97,921 | ₹5,79,97,921 | +₹16,84,234 |
 Shriram FinanceNBFC | 7.25% | ₹1,72,90,422 | ₹5,72,90,422 | +₹9,76,735 |
 PNB Housing FinanceHFC | 7.25% | ₹1,72,90,422 | ₹5,72,90,422 | +₹9,76,735 |
 Sundaram Home FinanceHFC | 7.15% | ₹1,70,09,725 | ₹5,70,09,725 | +₹6,96,038 |
 Mahindra FinanceNBFC | 7.00% | ₹1,65,91,128 | ₹5,65,91,128 | +₹2,77,441 |
 LIC Housing FinanceHFC | 6.90% | ₹1,63,13,687 | ₹5,63,13,687 | +₹0 |
| KKTDFCNBFC | 6.75% | ₹1,58,99,947 | ₹5,58,99,947 | −₹4,13,740 |
 Axis BankPvt | 6.60% | ₹1,54,89,096 | ₹5,54,89,096 | −₹8,24,591 |
 ICICI BankPvt | 6.50% | ₹1,52,16,791 | ₹5,52,16,791 | −₹10,96,896 |
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 5-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 | ₹26,140 | ₹76,140 | retail · 8.50% |
| ₹1,00,0001 lakh | ₹52,279 | ₹1,52,279 | retail · 8.50% |
| ₹2,00,0002 lakh | ₹1,04,559 | ₹3,04,559 | retail · 8.50% |
| ₹5,00,0005 lakh | ₹2,61,397 | ₹7,61,397 | retail · 8.50% |
| ₹10,00,00010 lakh | ₹5,22,795 | ₹15,22,795 | retail · 8.50% |
| ₹20,00,00020 lakh | ₹10,45,590 | ₹30,45,590 | retail · 8.50% |
| ₹50,00,00050 lakh | ₹26,13,974 | ₹76,13,974 | retail · 8.50% |
| ₹1,00,00,0001 crore | ₹52,27,948 | ₹1,52,27,948 | retail · 8.50% |
| ₹2,50,00,0002.5 crore | ₹1,30,69,870 | ₹3,80,69,870 | retail · 8.50% |
| ₹5,00,00,0005 crore | ₹2,61,39,741 | ₹7,61,39,741 | bulk · 8.50% |
| ₹10,00,00,00010 crore | ₹5,22,79,482 | ₹15,22,79,482 | 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.