Fixed deposits are conservative savings instruments that allow you to earn guaranteed returns (without any market exposure). Recently, the RBI has made several repo rate cuts, with the most recent 50 basis point cut coming on June 6, 2025.
It is expected that this rate-easing cycle may continue throughout 2025. Thus, if you are looking to invest ₹50,000 in an FD for 5 years, it may be the right time to book competitive FD rates before they slide even further!
Good news? This can now be done even from the comfort of your home! Thanks to several online platforms, like GoldenPi, you can now invest in digital FDs of leading small finance banks and NBFCs (without visiting a branch).
Want to learn how? In this article, you’ll first check out the latest fixed deposit rates (as of September 24, 2025) and the maturity amount you can expect from a 5-year FD under different options. Next, you will learn how you can book your FD online through the GoldenPi platform.
How Much Can You Get With an Online ₹50,000 FD for 5 Years?
To get the maximum benefit from your ₹50,000 fixed deposit for 5 years, you can choose the cumulative FD option. In this scheme, your interest is not regularly paid out. Instead, it is added back to the deposit. At maturity, you receive both the principal amount + the accumulated interest together.
On GoldenPi, you can find multiple cumulative FD options from leading banks and NBFCs. Some of the issuers available on the platform are (as of September 24, 2025):
- Suryoday Small Finance Bank
- Unity Small Finance Bank
- Shriram Finance
- Mahindra Finance
- Bajaj Finance
These issuers offer competitive interest rates with bonus rates being offered to senior citizens. The table below shows the latest FD interest rates for 5 years offered by these issuers, along with respective maturity amounts (for both regular customers and senior citizens):
A) What “Regular Customers” May Get With ₹50,000 Fixed Deposit for 5 Years
| FD Issuer | Amount Invested | FD Rates for General Customers (5 Years) | Total Interest | Maturity Amount (Received After 5 years) |
|---|---|---|---|---|
| Suryoday Small Finance Bank | ₹50,000 | 8.20% p.a. | ₹25,029 | ₹75,029 |
| Unity Small Finance Bank | ₹50,000 | 6.75% p.a. | ₹19,875 | ₹69,875 |
| Shriram Finance | ₹50,000 | 7.60% p.a. | ₹22,854 | ₹72,854 |
| Mahindra Finance (Samruddhi Scheme) | ₹50,000 | 7.00% p.a. | ₹20,739 | ₹70,739 |
| Bajaj Finance | ₹50,000 | 6.95% p.a. | ₹20,565 | ₹70,565 |
Note: The above FD rates are valid as of September 24, 2025. The rates are subject to change. Investors must do their own research before investing.
B) What “Senior Citizens” May Get With ₹50,000 Fixed Deposit for 5 Years
| FD Issuer | Amount Invested | FD Rates Senior Citizens (5 Years) | Total Interest | Maturity Amount (Received After 5 years) |
|---|---|---|---|---|
| Suryoday Small Finance Bank | ₹50,000 | 8.40% p.a. | ₹25,768 | ₹75,768 |
| Unity Small Finance Bank | ₹50,000 | 7.25% p.a. | ₹21,613 | ₹71,613 |
| Shriram Finance | ₹50,000 | 8.10% p.a. | ₹24,662 | ₹74,662 |
| Mahindra Finance | ₹50,000 | 7.25% p.a. | ₹21,613 | ₹71,613 |
| Bajaj Finance | ₹50,000 | 7.30% p.a. | ₹21,789 | ₹71,789 |
Note: The above FD rates are valid as of September 24, 2025. The rates are subject to change. Investors must do their own research before investing.
How to Book an FD Online Via the GoldenPi Platform in 2025?
GoldenPi is a SEBI-registered debt broker and holds an OBPP license. On the platform, you can compare FD schemes from multiple banks and NBFCs in one place and choose the option that suits you. There is no restriction on the number of FDs you can book. Also, the platform does not charge any fee for opening them.
Steps to Book an FD for ₹50,000 Through GoldenPi
- Step I: Browse and compare FD options from different issuers.
- Step II: Select the FD issuer with whom you want to invest.
- Step III: Complete KYC by submitting basic details (required only if you are not already registered).
- Step IV: Fill in details, such as:
- Investment amount (let’s say FD for ₹50,000)
- Tenure
- Nominee details
- Step V: Transfer the investment amount securely through the platform.
- Step VI: Your FD confirmation/receipt will be sent to your registered email.
Start Your ₹50,000 Fixed Deposit for 5 years with GoldenPi Today!
Nowadays, multiple FD issuers allow investors to book fixed deposits online without visiting a branch. If you are looking to make a ₹50,000 fixed deposit for 5 years, you can find several such options on the GoldenPi platform.
The best part is that you don’t even need to open a bank account with these issuers. On GoldenPi, the process is 100% digital, safe, and takes just about 3 minutes! All you need to do is select your FD, complete KYC, fill in the required details, and make the payment.
Next, the FD receipt will be sent directly to your registered email. Moreover, you can also view your receipts anytime under the ‘My Investment’ section after logging in to the portal.
So, want to start your FD for ₹50,000 today? Visit the GoldenPi platform to explore multiple options.
₹50,000 Fixed Deposit for 5 Years FAQs
1. Can I open more than one digital FD online?
Yes! On GoldenPi, you can invest in as many digital FDs as you want. There is no restriction on the number of FDs you can book.
2. Are there any charges for opening a ₹50,000 fixed deposit for 5 years online?
No! GoldenPi does not charge any fee for opening fixed deposits. Whether you choose a bank or an NBFC, 100% of the investment amount goes into your FD. The platform only facilitates the booking and provides you with a digital receipt for confirmation.
3. Are online FDs safe?
Bank FDs are insured up to ₹5 lakh per depositor by DICGC (Deposit Insurance and Credit Guarantee Corporation), whereas NBFC FDs are not insured. However, you can reduce this risk by choosing only highly rated NBFCs listed on GoldenPi. Such issuers may carry minimal default risk.
4. If I invest ₹50,000 in an FD for 5 years, what will I get?
Please note that returns vary by issuer and customer type. For example, as of September 24, 2025, if you invest ₹50,000 in a Suryoday Small Finance Bank FD, you may get ₹75,029 at 8.20% (as a general customer) and ₹75,768 at 8.40% (as a senior citizen).
On the other hand, if you prefer NBFCs, Shriram Finance may offer ₹72,854 at 7.60% for general customers and ₹74,662 at 8.10% for senior citizens.
5. Can I book a tax saver FD online?
Yes, you can book a tax saver FD online (through GoldenPi) offered by Suryoday Small Finance Bank. As of September 24, 2025, general customers can get 8.20% p.a., and senior citizens can get 8.40% p.a. These deposits come with a 5-year lock-in period and qualify for tax benefits under Section 80C (up to ₹1,50,000 and deduction is available only under the old regime.
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Disclaimer:
This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.
Fixed Deposit schemes are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.
