₹50,000 Fixed Deposits for 1, 3, and 5 Years

Interest on ₹50,000 Fixed Deposits for 1, 3, and 5 Years

Interest earned on a ₹50,000 fixed deposit varies by tenure and bank, with different rates offered for 1, 3, and 5 years. Below is the detailed rate table for different tenures:

₹50,000 FD for 1 Year Tenure

The rate of interest on ₹50,000 FD for 1 year may vary from bank to bank. In addition, the FD interest rates explicitly depend on the age of the citizen. For example, senior citizens receive 0.25% - 1.00% higher interest rates than general citizens. 

*FD interest rates as of December 2025.

₹50,000 FD for 1 Year in SBI (State Bank of India)

State Bank of India is a noteworthy bank to open an account of ₹50,000 FD for 1 year. One may obtain the following SBI 50000 FDinterest rate for regular and senior citizens:

*These rates apply to domestic term deposits below ₹3 crores. Interest rates as of December 2025.

₹50,000 FD for 3 Years

You can choose the FD plan for both short and long term as per your financial needs. In order to meet the long-term goal, such as marriage, education, etc., you must deposit a fixed amount for 5 to 10 years. However, in order to meet the short-term goal, such as buying a car, planning a vacation trip, etc., 3 years is likely to be an ideal period. Therefore, you may consider depositing ₹50,000 for 3 years in your choice of bank.

In the following table, let us discuss the interest rate provided by banks for a 3-year tenure:

*Interest rates as of December 2025.

₹50,000 FD for 3 Years in SBI

A fixed deposit (FD) of ₹50,000 for 3 years in SBI allows you to earn returns at the applicable FD interest rates. The following table shows the interest earned on investing ₹50,000 for 3 years in SBI:

₹50,000 FD for 5 Year Tenure

The following are the current Fixed Deposit interest rates for a 5-year tenure, both for regular and senior citizens:

*Interest rates as of December 2025.

₹50,000 FD for 5 Years in SBI

You may consider depositing INR 50,000 FD for 5 years in SBI for long-term planning. The SBI offers the following interest rates on ₹50,000 FD for 5 years:

Before choosing an FD scheme for a 5-year tenure, you must compare the interest rate of SBI with other banks in India providing the same services at different rates of return. 

Benefits of a ₹50,000 Fixed Deposit

The benefits of ₹50,000 FD are: 

• Guaranteed and Safe Returns: A ₹50,000 FD offers assured, risk-free returns, making it ideal for conservative investors who want stable growth. With an FD calculator you can easily calculate your estimated returns based on the tenure, interest rate, and compounding frequency.
• Flexible Tenure Options: You can choose from 1-year, 3-year, or 5-year tenures depending on your financial goals; short-term liquidity or long-term wealth building.
• Higher Interest Rates for Senior Citizens:  Senior citizens earn 0.25%–1.00% higher interest, helping them increase returns on the same ₹50,000 investment.
• Option for Tax Benefits: A 5-year tax-saving FD allows you to claim deductions under Section 80C, making it beneficial for long-term planners.
• Predictable Maturity Amount: With a fixed interest rate and compounding, you always know your exact maturity value in advance, supported by easy-to-use FD calculators.

Key Takeaways

Investing ₹50,000 into a fixed deposit for 1, 3, or 5 years allows you to grow your savings over time. A shorter duration, such as 1 year, lets you access your funds sooner, while longer terms, like 3 or 5 years, tend to offer higher interest rates, which means greater returns. The best option depends on your financial goals and how soon you may need the money.