Fixed Deposit for INR 50,000 for 1, 3, and 5 Years – Check Interest Rates and Maturity Amount


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For many risk-averse Indian citizens, an FD account is the safest and the most reliable means of securing a lump sum amount in a couple of years. An FD account in a bank offering a good interest rate has succeeded in tempting people with the safety of their money and assured returns at maturity. In this post, let us check the ROI and maturity of 50,000 rupees FD for various term periods.

If you consider investment schemes, Fixed Deposits are extremely popular among investors in India. Being a safe option, it is also the most preferred investment that lets you save money. Let us understand an FD of 50k in rupees in detail here.

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What is a Fixed Deposit (FD) Scheme?

When an investor deposits a lump sum of money in a bank or an NBFC for a fixed period at a fixed deposit interest rate, it is called an FD scheme. The investor receives an enhanced sum with the compound interest at FD maturity.

50,000 Fixed Deposit for 1, 3 and 5 years 

1. INR 50,000 FD for a 1-year tenure

The return you receive, or the rate of interest that you can earn from a 1-year FD of INR 50,000, may vary from one bank to another. Also, there are other factors, like the age of the investor, on which the FD interest rates depend.

For instance, in the case of ordinary citizens, the ROI of FD is comparatively low. Alternatively, it is high in the case of senior citizens. So, depending on your age, you will receive a low or high FD interest rate on your INR 50,000 for a year. However, this difference in rate is minor.


FD Rates for Normal Citizens (Per Annum)

FD rates Senior Citizens (Per Annum)

ESAF Small Finance Bank FD



Kerala Transport Development Finance Corporation Limited (KTDC) FD



Utkarsh Small Finance Bank FD



Fincare Small Finance Bank FD



Punjab and Sind Bank FD



Repco Bank FD



2. INR 50,000 FD for 1 year in State Bank of India (SBI)

When it comes to the most noteworthy banks in India, the State Bank of India is considered at the top. If you are planning to open an FD account with INR 50,000 for a year, the State Bank of India Fixed Deposit is the best option. With an annual interest rate of 6.75%, you will earn a decent return on your SBI FD of INR 50,000 for 1 year.

However, despite finding a suitable interest rate in your bank, looking for other viable options is suggested. This you can do by comparing similar FDs offered by different banks. You can use an FD calculator to compare interest rates to pick the best FD for 1-year. If you research well, you may find a better FD at a better interest rate than the one you plan to opt for. So, it is better to use the SBI Fixed Deposit  monthly interest calculator.

3. INR 50,000 FD for 3 years

An FD can be either short or long-term, depending on the need/purpose of the investor for investing the amount. For long-term goals like children’s higher education, marriage, retirement planning, etc., an INR 50,000 FD for 5 years or so is ideal. But if you want to meet your short-term goals, like car purchase, vacation abroad, etc., 3 years FD will suit you best.

The table below discusses the interest rate provided by banks for three years:


Tenure of FD

Interest rate (% annual)

DCB Bank Limited

3 Year


Bandhan Bank Limited

3 Year 7.00
Deutsche Bank 3 Year


City Union Bank Limited

3 Year 7.00
Yes Bank 3 Year


IndusInd Bank

3 Year 6.75
Union Bank of India 3 Year


Corporation Bank

3 Year 6.70
Andhra Bank 3 Year


IDFC First Bank

3 Year 6.50
Syndicate Bank 3 Year


Canara Bank

3 Year 6.50
Kotak Mahindra Bank Limited 3 Year


Oriental Bank of Commerce

3 Year 6.25
United Bank of India 3 Year


Laxmi Vilas Bank

3 Year 6.25

Punjab National Bank

3 Year


HDFC Bank 3 Year


4. INR 50,000 FD for 5 years in SBI

A 5 years FD of INR 50,000 in SBI is a good option for investment planning. This investment would suit those who are looking at medium-term investments. With a present interest rate of SBI at 6.75%, investors are likely to earn INR 21,768 at maturity, making the total returns earned INR 71,768 on your INR 50,000 SBI 5 years FD interest rate. You can use the SBI interest calculator to find the accurate returns you can make from SBI FD.

However, it is still very important to compare the interest rates of different banks with your preferred bank to make an informed decision.

For instance, if a bank or an NBFC offers a higher interest rate and is a credible financial institution, it is better to open an FD account in that bank or NBFC.

5. INR 50,000 FD for 5 years in the Post Office

An FD account in the Post office has been there for a long time now. People prefer post office FD as it is reliable and has government backing. Hence, it is considered one of the safest ways to increase your money with considerable returns at maturity. If you consider investing 50,000 rupees in a post office FD account for 5 years, you may expect a return at the interest rate of 7% per year. Also, in the post office, the interest rate remains the same for everyone, be it a normal Indian citizen or a senior citizen. You can use a calculator to evaluate the post office’s 1-year FD interest rate.

6. INR 50,000 FD for 1, 3, and 5 years in Post Office




INR 50,000


INR 53,402

INR 50,000


INR 57,262

INR 50,000


INR 61,463

INR 50,000


INR 66,103

INR 50,000


INR 70,881

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To Conclude 

When we compare the interest rates on an FD of INR 50,000 for 1 year in the State Bank of India vs. an FD of INR 50,000 for 5 years in the same bank, the latter offers comparatively higher rates. This is because of the tenure or the number of years for which the investment is made. So, if you stay invested for a long duration, you will likely earn a high interest rate. On the other hand, if an investor invests for a short period, the returns are significantly low. The best way to choose the FD term is by using an FD calculator tool online to compare the rates and opt for the FD that serves your purpose well.
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FAQs: Fixed Deposit for INR 50K for 1, 3, and 5 Years

What is INR 50,000 FD for a term of 1 year?

INR 50,000 FD for 1 year means the investor has invested the amount in the FD account for one year.

What is the ROI or rate of interest that I can earn for INR 50,000 FD invested for 5 years in the State Bank of India (SBI)?

SBI offers an ROI of around 6.25% for INR 50,000 FD deposited for a term of 5 years.

Which NBFC offers the highest interest rate on INR 50,000 FD for a 1-year term?

Shriram Finance offers a rate of interest of 7.68% to 8.36% on INR 50,000 FD for 1 year period. There are many banks also offering high FD interest rates that you can check.

Can a minor open an FD account in the post office?

Yes, minors of ten years and above are eligible to open a post office FD account.

What are the documents needed for opening an FD account in the post office?

Identity proof, Address proof, and two passport-size photographs are required to open an FD account in the post office.

What is an SBI savings account interest rate calculator?

An SBI savings account interest rate calculator is a tool used to calculate the ROI of an SBI savings account.

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Jan 19, 2024
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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