Invest ₹5,00,000 in SBI FD Today: See How Much It Becomes in 10 Years
In recent years, stock market investing has attracted millions of Indians with the promise of high returns. While equities can multiply wealth, they also come with uncertainty. Market ups and downs can sharply affect investments, and in extreme cases, returns can even turn negative. This is why a large section of investors still prefers bank fixed deposits, where safety and assured returns matter more than high-risk gains.
Among public sector banks, State Bank of India (SBI) remains a popular choice for fixed deposits due to its strong backing and stable returns. Let’s understand how much return you can expect if you invest ₹5 lakh in an SBI FD for different tenures.
Investors can choose to invest a lump sum for a fixed tenure or build their FD gradually through installment-based options, depending on their financial planning goals.
Here’s how the amount breaks down:
If you invest ₹5 lakh for 3 years, the maturity amount will be around ₹6,00,579.
This includes:
An SBI fixed deposit may not make you rich overnight, but it ensures your money grows safely over time. Whether you choose a long-term FD for wealth preservation or a short-term FD for planned expenses, understanding the returns helps you make better financial decisions.
Disclaimer
: This article is based on publicly available information and FD calculator estimates. Interest rates are subject to change. Investors are advised to verify the latest rates on SBI’s official website before investing.
Among public sector banks, State Bank of India (SBI) remains a popular choice for fixed deposits due to its strong backing and stable returns. Let’s understand how much return you can expect if you invest ₹5 lakh in an SBI FD for different tenures.
Latest SBI FD Interest Rates
The Reserve Bank of India revised its policy rates on December 15, 2025, after which banks updated their fixed deposit interest rates. As per the latest structure, SBI is offering an interest rate of 6.05% on fixed deposits with a tenure ranging from 5 to 10 years. Senior citizens get an additional benefit, with interest rates going up to 7.05% for the same period.Investors can choose to invest a lump sum for a fixed tenure or build their FD gradually through installment-based options, depending on their financial planning goals.
Returns on ₹5 Lakh SBI FD for 10 Years
If you invest ₹5 lakh in an SBI fixed deposit for a full 10-year tenure, your investment grows steadily over time. According to calculations done using the SBI FD calculator, the total maturity amount after 10 years comes to approximately ₹8,99,657.Here’s how the amount breaks down:
- Principal invested: ₹5,00,000
- Total interest earned: ₹3,99,657
What Happens If You Invest for 3 Years?
For investors looking at shorter-term goals, SBI also offers competitive rates for a 3-year FD. Currently, the interest rate for this tenure is 6.30%.If you invest ₹5 lakh for 3 years, the maturity amount will be around ₹6,00,579.
This includes:
- Principal amount: ₹5,00,000
- Interest earned: ₹1,00,579
Why Fixed Deposits Still Attract Investors
Even in an era of mutual funds and equities, fixed deposits continue to play an important role in financial planning. They offer guaranteed returns, predictable growth, and protection from market volatility. For retirees, conservative investors, or those looking to park funds safely, SBI FDs provide peace of mind along with steady earnings.An SBI fixed deposit may not make you rich overnight, but it ensures your money grows safely over time. Whether you choose a long-term FD for wealth preservation or a short-term FD for planned expenses, understanding the returns helps you make better financial decisions.
Disclaimer
: This article is based on publicly available information and FD calculator estimates. Interest rates are subject to change. Investors are advised to verify the latest rates on SBI’s official website before investing.
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