₹5 लाख की FD पर 5 साल में SBI से कितना मिलेगा रिटर्न, चेक कर लें कैलकुलेशन

स्‍टेट बैंक ऑफ इंडिया (SBI) ने भी हाल के महीनों में एफडी पर ब्‍याज दरों में इजाफा किया है.

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बाजार में जारी उतार-चढ़ाव के बीच बिना जोखिम के फिक्‍स्‍ड इनकम का ऑप्‍शन तलाश रहे हैं, तो बैंक एफडी में बेहतर ऑप्‍शन है.

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SBI की FD में 1-10 साल के अलग-अलग टेन्‍योर में एकमुश्‍त डिपॉजिट कर सकते हैं. 5 साल की मैच्‍योरिटी वाली FDs पर टैक्‍स डिडक्‍शन का भी फायदा मिलता है.

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SBI इस समय 5 साल की FDs पर रेगुलर कस्‍टमर्स को 6.10 फीसदी सालाना और सीनियर सिटीजन को 6.9 फीसदी सालाना ब्‍याज ऑफर कर रहा है.

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5 लाख रुपये की FD 5 साल के लिए करते हैं, रेगुलर कस्‍टमर को 6.1 फीसदी सालाना ब्‍याज के हिसाब से मैच्‍योरिटी पर करीब 6,76,753 रुपये मिलेगा.

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वहीं, अगर सीनियर सिटीजन 5 लाख रुपये के लिए 5 साल की एफडी कराते हैं, तो उन्‍हें मैच्‍योरिटी पर 7,03,921 रुपये से ज्‍यादा मिलेंगे. यानी, 5 साल में 2,03,921 रुपये निश्चित आमदनी बतौर ब्‍याज होगी.

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ब्‍याज दरें 22 अक्‍टूबर 2022 से 2 करोड़ रुपये से कम के जमा पर लागू हैं. वहीं, एसबीआई स्‍टाफ के लिए 1 फीसदी ज्‍यादा ब्‍याज मिलेगा.

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5 साल की टैक्‍स सेविंग एफडी पर सेक्‍शन 80C के अंतर्गत 1.50 लाख रुपये तक टैक्‍स डिडक्‍शन का लाभ उठा सकते हैं. हालांकि, FD से मिलने वाला ब्‍याज टैक्‍सेबल होता है.

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