₹5 lakh FD vs savings account: 3 saal mein ₹38,000 ka fark
Ek Jaipur ki housewife ne FD ki power discover ki jab unhone simple calculation ki.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
Mere paas ₹5 lakh the. Savings account mein pare the. 3% interest mil raha tha. Saal mein ₹15,000. Bank wale ne FD ki offer di. 7% for 3 years. Maine socha kya fark padega. Calculation kiya. 3 saal mein savings: ₹4.59 lakh. FD: ₹6.12 lakh. ₹38,000 ka fark! Main hoon Sunita, 45, Jaipur mein housewife.
उपयोग विधि
Comparison:
Savings Account (3% interest):
₹5,00,000 × 3 years = ₹5,45,000 (simple interest for easy math)
Actual with quarterly compounding: ₹5,47,000
Interest earned: ₹47,000
Tax (10% on interest above ₹10,000): ₹3,700
Net: ₹5,43,300
Fixed Deposit (7%, 3 years, quarterly compounding):
₹5,00,000 × 1.0175^12 = ₹6,12,500
Interest earned: ₹1,12,500
Tax (if 20% slab): ₹22,500
Net: ₹5,90,000
Difference: ₹46,700 more in FD
FD calculator mein:
5 lakh, 7%, 3 years = ₹6,12,521
5 lakh, 7.5%, 5 years = ₹7,24,000
5 lakh, 6.5%, 1 year = ₹5,33,240
Senior citizen FD (0.5% extra):
5 lakh, 7.5%, 3 years = ₹6,25,000
Extra ₹12,500 over regular FD
Tax saving FD (5 years lock-in, 80C):
₹1,50,000 deduction
Tax saved (20% slab): ₹30,000
Plus 7% return: ₹2,10,000 after 5 years
प्रो टिप्स
FD calculator use karein. Different rates aur tenures compare karein. 3 saal generally sweet spot hai — achhi rate + manageable lock-in.
Ladder strategy banao: ₹5 lakh ko 5 FDs mein todo (₹1 lakh each). Har 6 months mein ek mature karein. Liquidity + FD returns dono milega.
Senior citizen ho ya parents ke naam pe FD karein. 0.5% extra rate milta hai. ₹5 lakh pe ₹12,500 zyada.
सामान्य गलतियाँ
Sabse badi galti: Savings account mein paisa rehne dena. 3% vs 7% = saal mein ₹20,000 loss on ₹5 lakh.
Doosri galti: Premature withdrawal ki penalty nahi sochna. FD todne pe 0.5-1% less interest + penalty. Ladder strategy se avoid karein.
Teesri galti: TDS bhoolna. FD interest pe 10% TDS kat ta hai. Form 15G/15H submit karein agar income taxable nahi hai.