{"id":9823,"date":"2025-09-25T04:44:17","date_gmt":"2025-09-25T04:44:17","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9823"},"modified":"2026-04-14T11:23:05","modified_gmt":"2026-04-14T11:23:05","slug":"fd-returns-on-1-lakh-for-1-year","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/","title":{"rendered":"How Much FD Returns Would You Get If You Invest \u20b91 Lakh For 1 Year?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">You may have \u20b91 Lakh set aside from savings, a bonus, or idle cash sitting in your bank account. If you\u2019re looking for a safe short-term investment, a 1-year fixed deposit (FD) can be an attractive option. It preserves your capital, locks in guaranteed returns, and avoids the uncertainty of market-linked products.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you check 1 lakh FD interest for 1 year, you see clear options for steady returns. But how much will you actually earn from a \u20b91 Lakh FD for 1 year? The returns depend on a few key factors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The FD interest rate offered by the issuer for the selected tenure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The payout option you select (cumulative or non-cumulative)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether you are a regular investor or senior citizen<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll break down how you can estimate the potential interest and maturity value from a \u20b91 Lakh FD for 1 year. We will also cover how you use an FD calculator to simplify calculations and how you can book a 1 lakh FD for 1 year on GoldenPi. If you do FD of 1 lakh for 1 year, these steps help you plan better.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#How_Are_FD_Returns_Calculated\" >How Are FD Returns Calculated?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Simple_Interest_Method\" >Simple Interest Method<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Compound_Interest_Method\" >Compound Interest Method<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#How_to_Use_a_FD_Returns_Calculator_for_Your_%E2%82%B91_Lakh_FD\" >How to Use a FD Returns Calculator for Your \u20b91 Lakh FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#How_Much_FD_Returns_Can_You_Get_on_a_%E2%82%B91_Lakh_FD_for_1_Year\" >How Much FD Returns Can You Get on a \u20b91 Lakh FD for 1 Year<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Returns_on_%E2%82%B91_Lakh_Fixed_Deposit_for_1_Year_Regular_Customers\" >Returns on \u20b91 Lakh Fixed Deposit for 1 Year: Regular Customers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Returns_on_%E2%82%B91_Lakh_Fixed_Deposit_for_1_Year_Senior_Citizens\" >Returns on \u20b91 Lakh Fixed Deposit for 1 Year: Senior Citizens<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Tax_Implications_on_a_%E2%82%B91_lakh_FD_for_1_Year\" >Tax Implications on a \u20b91 lakh FD for 1 Year\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Benefits_of_a_1-Year_FD\" >Benefits of a 1-Year FD<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#1_Low_Risk_Investment\" >1. Low Risk Investment:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#2_Guaranteed_Return\" >2. Guaranteed Return:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#3_Easy_Liquidity\" >3. Easy Liquidity:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#4_Flexible_Payout_Options\" >4. Flexible Payout Options:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#5_Better_Returns_Than_Savings_Accounts\" >5. Better Returns Than Savings Accounts:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Book_Your_%E2%82%B91_Lakh_FD_for_1_year_with_GoldenPi_in_Under_5_Minutes\" >Book Your \u20b91 Lakh FD for 1 year with GoldenPi in Under 5 Minutes!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Returns_on_%E2%82%B91_Lakh_FD_for_1_year_FAQs\" >Returns on \u20b91 Lakh FD for 1 year FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#1_How_much_return_will_I_get_on_a_%E2%82%B91_Lakh_FD_for_1_year\" >1. How much return will I get on a \u20b91 Lakh FD for 1 year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#2_How_do_banks_determine_1-year_FD_interest_rates\" >2. How do banks determine 1-year FD interest rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#3_Can_I_pick_a_payout_frequency_for_my_1-year_FD\" >3. Can I pick a payout frequency for my 1-year FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#4_How_can_I_calculate_FD_interest_on_a_%E2%82%B91_Lakh_FD_for_1_year\" >4. How can I calculate FD interest on a \u20b91 Lakh FD for 1 year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#5_Can_I_avoid_TDS_deduction_on_my_%E2%82%B91_Lakh_FD_for_1_year\" >5. Can I avoid TDS deduction on my \u20b91 Lakh FD for 1 year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#6_How_to_buy_bonds_in_India_in_2026\" >6. How to buy bonds in India in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#7_Does_GoldenPi_have_an_app\" >7. Does GoldenPi have an app?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#8_Where_to_buy_bonds_in_India\" >8. Where to buy bonds in India?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/fd-returns-on-1-lakh-for-1-year\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Are_FD_Returns_Calculated\"><\/span><b>How Are FD Returns Calculated?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Depending on the type of FD scheme selected, FD interest can be calculated using one of the following methods:\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Simple_Interest_Method\"><\/span><b>Simple Interest Method<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The formula for simple <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/capital-gains-vs-interest-income-whats-more-tax-friendly\/\">interest<\/a> is:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">SI = (PxRxT)\/100<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Here,\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P is Principal<\/span><\/p>\n<p><span style=\"font-weight: 400;\">R is the Rate of Interest<\/span><\/p>\n<p><span style=\"font-weight: 400;\">T is the Tenure<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Compound_Interest_Method\"><\/span><b>Compound Interest Method<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The formula for compound interest is:\u00a0<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">A = P(1 + R\/N)^(N\u00d7T)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Here,\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P is Principal<\/span><\/p>\n<p><span style=\"font-weight: 400;\">R is the Rate of Interest<\/span><\/p>\n<p><span style=\"font-weight: 400;\">T is the Tenure<\/span><\/p>\n<p><span style=\"font-weight: 400;\">N is the Number of Times the Amount is Compounded\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While you can compute return estimates manually, doing so will require a lot of time and effort. It will also have a high margin for error. That\u2019s why using a digital FD return calculator tool is a much better alternative.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Use_a_FD_Returns_Calculator_for_Your_%E2%82%B91_Lakh_FD\"><\/span><b>How to Use a FD Returns Calculator for Your \u20b91 Lakh FD<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">FD return calculators make it easier to estimate your FD returns on a \u20b91 Lakh FD for 1 year. Instead of spending hours trying to calculate your FD returns manually, you can simply use this digital tool to get the estimate in seconds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">GoldenPi also offers FD return calculators for each bank and NBFC listed on the platform. So, let\u2019s say, you want to estimate FD returns on a Suryoday Small Finance Bank FD. All you have to do is open the Suryoday Small Finance Bank FD page on the GoldenPi platform and use the FD calculator listed on the page to estimate your 1 lakh FD interest for 1 year.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a simple guide to help you understand how to use a FD calculator to estimate your returns:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enter the investment amount:<\/b><span style=\"font-weight: 400;\"> Type \u2018\u20b91 Lakh\u2019 in the investment amount field.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Select the FD tenure:<\/b><span style=\"font-weight: 400;\"> Choose \u201812 months\u2019 (1 year) from the drop-down list in this field.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose your depositor type: <\/b><span style=\"font-weight: 400;\">Use the toggle button to select whether you are a regular investor or <a href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/investment-plan-that-a-senior-citizen-must-know\/\">senior citizen<\/a>. Make sure this is correct because rates may change based on your investor type.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Select your interest payout option: <\/b><span style=\"font-weight: 400;\">Choose whether you want to receive the interest amount at maturity or on a monthly\/quarterly\/half-yearly\/yearly basis.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once that\u2019s done, the tool will use this information to estimate:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The total interest accrued\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The maturity value of your \u20b91 Lakh FD after 1 year<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Please note that the calculator applies the latest interest rate from the selected issuer on your \u20b91 Lakh FD for 1 year (based on your tenure and investor type). This the simplest process of estimating FD returns.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_FD_Returns_Can_You_Get_on_a_%E2%82%B91_Lakh_FD_for_1_Year\"><\/span><b>How Much FD Returns Can You Get on a \u20b91 Lakh FD for 1 Year<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As mentioned earlier, the returns on a \u20b91 Lakh FD for 1 year depend on the issuer, investor type, interest rate, and payout option. Cumulative FDs (paid at maturity) offer compounding benefits, while non-cumulative FDs pay regular interest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On GoldenPi, you can compare cumulative <\/span><a href=\"https:\/\/goldenpi.com\/corporate-fixed-deposits\/list-view?sr=special-rate&amp;sortBy=interest-high-to-low\"><span style=\"font-weight: 400;\">FD options<\/span><\/a><span style=\"font-weight: 400;\"> from leading banks and NBFCs. Lets have a look at the latest FD interest rates offered by these issuers for both regular customers and senior citizens and how the interest yield and maturity amount can vary:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Returns_on_%E2%82%B91_Lakh_Fixed_Deposit_for_1_Year_Regular_Customers\"><\/span><b>Returns on \u20b91 Lakh Fixed Deposit for 1 Year: Regular Customers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>FD Issuer<\/b><\/td>\n<td><b>Amount Invested<\/b><\/td>\n<td><b>FD Rates for General Customers (1 Year)<\/b><\/td>\n<td><b>Total Interest<\/b><\/td>\n<td><b>Maturity Amount (Received After 1 year)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Suryoday Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.40% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,607.89<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,07,607.89<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Unity Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.50% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,660.16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,660.16<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Shriram Finance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,07,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mahindra Finance (Samruddhi Scheme)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.60% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,00<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bajaj Finance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.60% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,00<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Returns_on_%E2%82%B91_Lakh_Fixed_Deposit_for_1_Year_Senior_Citizens\"><\/span><b>Returns on <\/b><span style=\"font-weight: 400;\">\u20b9<\/span><b>1 Lakh Fixed Deposit for 1 Year: Senior Citizens<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>FD Issuer<\/b><\/td>\n<td><b>Amount Invested<\/b><\/td>\n<td><b>FD Rates Senior Citizens (1 Year)<\/b><\/td>\n<td><b>Total Interest<\/b><\/td>\n<td><b>Maturity Amount (Received After 1 Year)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Suryoday Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.60% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,819.36<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,07,819.36<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Unity Small Finance Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,185.9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,07,185.9<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Shriram Finance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.50% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,07,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mahindra Finance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.85% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,850<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,850<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bajaj Finance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,950<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,950<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">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.<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tax_Implications_on_a_%E2%82%B91_lakh_FD_for_1_Year\"><\/span><b>Tax Implications on a \u20b91 lakh FD for 1 Year\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When estimating how much you will earn on a \u20b91 lakh FD for 1 year, you also need to account for the tax treatment of your returns to understand post-tax yields. Firstly, the interest you earn on your 1-year FD is completely taxable. It is added to your annual income and taxed as per your income tax slab under \u2018Income from Other Sources\u2019.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A 10% TDS is deducted by banks and NBFCs if your total FD interest earnings exceed \u20b940,000 (\u20b950,000 for senior citizens) in a financial year. If your PAN is not uploaded, the rate rises to 20%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if your total annual income is below the taxable limit, you can submit Form 15G (Form 15H for seniors) to avoid deductions of TDS.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_a_1-Year_FD\"><\/span><b>Benefits of a 1-Year FD<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A 1-year fixed deposit is a popular short-term investment option for risk-averse investors. The benefits of a 1-year FD are listed below:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Low_Risk_Investment\"><\/span><b>1. Low Risk Investment:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a01-year FDs are considered a safe investment option for investors looking for capital preservation. Bank FDs of up to \u20b95 Lakhs is protected under the DICGC insurance cover, while corporate FDs come with credit ratings to help you understand their risk levels.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Guaranteed_Return\"><\/span><b>2. Guaranteed Return:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Unlike market-linked products, FD interest rates do not change during the tenure. They get locked-in on the day you book the deposit and remain the same throughout the investment tenure. So, you know exactly how much you will earn at the end of the 1-year period.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Easy_Liquidity\"><\/span><b>3. Easy Liquidity:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you book a \u20b91 Lakh FD for 1 year, you get to enjoy the perks of easy liquidity. Banks and NBFCs also allow premature withdrawals against nominal penalty charges. So, if you\u2019re likely to need the \u20b91 Lakh within the next 12 months, opening a 1-year FD may be prudent.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Flexible_Payout_Options\"><\/span><b>4. Flexible Payout Options:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can choose between a cumulative (interest paid at maturity) or non-cumulative (interest paid at regular intervals) 1-year FD. If you need regular income, you can choose from monthly, quarterly and half-yearly payout options.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Better_Returns_Than_Savings_Accounts\"><\/span><b>5. Better Returns Than Savings Accounts:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Savings bank accounts offer nominal interest on deposits ranging from 2.50%-3%. On GoldenPi, you can book <\/span><a href=\"https:\/\/www.rbi.org.in\/commonman\/English\/scripts\/primarydealers.aspx\"><span style=\"font-weight: 400;\">RBI approved FDs<\/span><\/a><span style=\"font-weight: 400;\"> with interest of up to 8.4%.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Book_Your_%E2%82%B91_Lakh_FD_for_1_year_with_GoldenPi_in_Under_5_Minutes\"><\/span><b>Book Your \u20b91 Lakh FD for 1 year with GoldenPi in Under 5 Minutes!<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you know how to estimate your returns from a \u20b91 Lakh FD for 1 year, you can book your FD with <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">GoldenPi<\/span><\/a><span style=\"font-weight: 400;\">. GoldenPi is a SEBI-registered debt broker and OBPP (Online Bond Platform Provider). On the <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">, you can compare FD interest rates from the following issuers and book your FD in minutes:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suryoday Small Finance Bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unity Small Finance Bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bajaj Finance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mahindra Finance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shriram Finance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Just select your preferred issuer, complete your KYC, and transfer the amount. That\u2019s how simple it is! Moreover, since the entire process is online, you can book a \u20b91 Lakh FD for 1 year without worrying about branch visits and any physical paperwork!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also browse <\/span><a href=\"https:\/\/goldenpi.com\/collections\/bonds-at-10000\"><span style=\"font-weight: 400;\">Bonds Under 10,000<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/nbfc-bonds\"><span style=\"font-weight: 400;\">NBFC Bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">Highly Rated Bonds (AAA Rated)<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/bonds-at-discounted-price\"><span style=\"font-weight: 400;\">Bonds at Discounted Price<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\"><span style=\"font-weight: 400;\">Tax Free Bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/bonds-at-discounted-price\"><span style=\"font-weight: 400;\">Bonds at Discounted Price<\/span><\/a><span style=\"font-weight: 400;\">, etc. on GoldenPi.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Returns_on_%E2%82%B91_Lakh_FD_for_1_year_FAQs\"><\/span><b>Returns on \u20b91 Lakh FD for 1 year FAQs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_How_much_return_will_I_get_on_a_%E2%82%B91_Lakh_FD_for_1_year\"><\/span><b>1. How much return will I get on a \u20b91 Lakh FD for 1 year?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Returns on a \u20b91 Lakh FD for 1 year depends on the FD interest rate offered by the bank\/NBFC and customer type. For instance, if you invest \u20b91 Lakh in a Suryoday Small Finance FD as a regular investor, you may earn interest at 7.40% p.a. In this case, your returns may be \u20b97,607.89.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_do_banks_determine_1-year_FD_interest_rates\"><\/span><b>2. How do banks determine 1-year FD interest rates?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Banks set 1-year FD interest rates based on RBI repo rate, market liquidity, and deposit demand.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_pick_a_payout_frequency_for_my_1-year_FD\"><\/span><b>3. Can I pick a payout frequency for my 1-year FD?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. You can choose payout frequency in a 1-year FD. Non-cumulative FDs pay monthly, quarterly, half-yearly, or annually, while cumulative FDs pay interest at maturity with compounding benefits for higher returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_can_I_calculate_FD_interest_on_a_%E2%82%B91_Lakh_FD_for_1_year\"><\/span><b>4. How can I calculate FD interest on a \u20b91 Lakh FD for 1 year?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can calculate FD interest using a digital FD calculator tool. You simply need to enter the investment amount, tenure, customer type, and payout frequency. The FD return calculator then uses the applicable FD interest rate to estimate your returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_avoid_TDS_deduction_on_my_%E2%82%B91_Lakh_FD_for_1_year\"><\/span><b>5. Can I avoid TDS deduction on my \u20b91 Lakh FD for 1 year?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. If your annual income is below the taxable limit, you can avoid TDS on FD interest by submitting Form 15G (15H for seniors).\u00a0<\/span><\/p>\n<ol start=\"6\">\n<li><span style=\"font-weight: 400;\"> What are the SBI FD interest rates 2026?<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">You can check the latest SBI FD interest rates 2026 on the official SBI website or platforms like GoldenPi. These rates vary by tenure and customer type, so use an FD calculator to see exact returns for your 1 lakh FD interest for 1 year.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_to_buy_bonds_in_India_in_2026\"><\/span><strong>6. How to buy bonds in India in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To buy bonds online, you may consider SEBI-registered debt brokers and OBPPs (Online Bond Provider Platforms), like GoldenPi. Here, you can <\/span><a href=\"https:\/\/goldenpi.com\/collections\"><span style=\"font-weight: 400;\">check out multiple bond options<\/span><\/a><span style=\"font-weight: 400;\">, such as highly-rated bonds, short-term bonds, state government guaranteed bonds, and more. The investment process is 100% digital and can be completed online without making any in-person branch visits.\u00a0\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Does_GoldenPi_have_an_app\"><\/span><strong>7. Does GoldenPi have an app?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Currently, GoldenPi does not have a mobile application. You can browse multiple bonds, FDs, and even apply to the latest NCD IPOs using the official website.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Where_to_buy_bonds_in_India\"><\/span><strong>8. Where to buy bonds in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can buy bonds in India through several channels, such as the RBI Retail Direct platform, on stock exchanges like NSE and BSE (using a broker), or through SEBI-registered OBPPs, like GoldenPi.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><b>Disclaimer:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much return will I get on a \u20b91 Lakh FD for 1 year?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Returns on a \u20b91 Lakh fixed deposit for 1 year depend on the interest rate offered by the bank or NBFC and the customer category. For example, at an interest rate of 7.40% per annum, the estimated return on \u20b91 Lakh for one year would be approximately \u20b97,607.89, depending on payout frequency and compounding.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do banks determine 1-year FD interest rates?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Banks determine 1-year FD interest rates based on factors such as the RBI repo rate, overall market liquidity, cost of funds, and deposit demand.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I pick a payout frequency for my 1-year FD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, you can choose the payout frequency for a 1-year fixed deposit. Non-cumulative FDs offer monthly, quarterly, half-yearly, or annual payouts, while cumulative FDs compound the interest and pay it at maturity.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can I calculate FD interest on a \u20b91 Lakh FD for 1 year?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can calculate FD interest using an online FD calculator. Enter the investment amount, tenure, customer type, and payout frequency. The calculator applies the relevant interest rate to estimate your maturity amount.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I avoid TDS deduction on my \u20b91 Lakh FD for 1 year?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. If your total annual income is below the taxable limit, you can avoid TDS on FD interest by submitting Form 15G. Senior citizens can submit Form 15H.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the SBI FD interest rates 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"SBI FD interest rates in 2026 vary depending on the tenure and customer category. You can check the latest rates on the official SBI website or investment platforms. Using an FD calculator helps estimate exact returns for your chosen tenure.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How to buy bonds in India in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can buy bonds online through SEBI-registered debt brokers and Online Bond Provider Platforms (OBPPs). These platforms allow investors to explore various bond options such as highly rated bonds, short-term bonds, and government-backed bonds. The process is fully digital and can be completed online.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does GoldenPi have an app?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Currently, GoldenPi does not have a mobile application. Investors can browse bonds, fixed deposits, and apply for NCD IPOs through the official website.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Where to buy bonds in India?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can buy bonds in India through the RBI Retail Direct platform, stock exchanges such as NSE and BSE via a broker, or SEBI-registered Online Bond Provider Platforms.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<p>Latest Updated: 21-02-2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may have \u20b91 Lakh set aside from savings, a bonus, or idle cash sitting in your bank account. If you\u2019re looking&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12315,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[324,325,326,327,328,329,330],"class_list":["post-9823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-1-lakh-fd-for-1-year","tag-latest-fd-interest-rates","tag-1-lakh-fd","tag-1-lakh-fixed-deposit","tag-fd-returns-calculator","tag-fd-rates","tag-how-much-will-i-earn-on-a-1-lakh-fd"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Calculate FD Returns on a \u20b91 Lakh FD for 1 year<\/title>\n<meta name=\"description\" content=\"Want to book a \u20b91 Lakh FD for 1 year? 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