Capera

₹5,00,00,000 FD for 90 days

Matures at ₹5,07,33,487 at the highest published rate, 5.95% with Axis Bank.

Interest ₹5,54,752 to ₹7,33,487 across 5 banks · quarterly compounding, pre-tax · rates as of 16 Oct 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 ₹5,00,00,000 becomes

Maturity value on a 90-day deposit

Across the 5 banks we track at this tenor, the interest on ₹5,00,00,000 spans ₹1,78,735 between the highest and lowest published rate. Quarterly compounding, pre-tax.

BankRateInterestMaturity valuevs median
Axis BankPvt5.95%₹7,33,487₹5,07,33,487+₹1,04,775
HDFC BankPvt5.50%₹6,78,019₹5,06,78,019+₹49,307
State Bank of IndiaPSU5.10%₹6,28,712₹5,06,28,712+₹0
ICICI BankPvt4.75%₹5,85,569₹5,05,85,569−₹43,143
Central Bank of IndiaPSU4.50%₹5,54,752₹5,05,54,752−₹73,960

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

₹5,00,00,000 across every tenor

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

TenorTop rateInterestMaturity value
7-day4.50%₹42,928₹5,00,42,928
30-day5.00%₹2,04,623₹5,02,04,623
90-day5.95%₹7,33,487₹5,07,33,487
180-day5.95%₹14,77,735₹5,14,77,735
1-year8.00%₹41,21,608₹5,41,21,608
2-year8.00%₹85,82,969₹5,85,82,969
3-year8.50%₹1,43,50,932₹6,43,50,932
5-year8.50%₹2,61,39,741₹7,61,39,741

Deposit ladder

Other deposit sizes over 90-day

At the highest rate published at this tenor, compounded quarterly, pre-tax. Retail deposits below ₹3 crore use 5.00%; deposits at or above it use the bulk card at 5.95%.

DepositInterestMaturity valueCard
₹50,000₹50,000₹616₹50,616retail · 5.00%
₹1,00,0001 lakh₹1,233₹1,01,233retail · 5.00%
₹2,00,0002 lakh₹2,466₹2,02,466retail · 5.00%
₹5,00,0005 lakh₹6,164₹5,06,164retail · 5.00%
₹10,00,00010 lakh₹12,328₹10,12,328retail · 5.00%
₹20,00,00020 lakh₹24,655₹20,24,655retail · 5.00%
₹50,00,00050 lakh₹61,639₹50,61,639retail · 5.00%
₹1,00,00,0001 crore₹1,23,277₹1,01,23,277retail · 5.00%
₹2,50,00,0002.5 crore₹3,08,193₹2,53,08,193retail · 5.00%
₹5,00,00,0005 crore₹7,33,487₹5,07,33,487bulk · 5.95%
₹10,00,00,00010 crore₹14,66,975₹10,14,66,975bulk · 5.95%

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.