Monthly Interest on a ₹10 Crore Fixed Deposit

If you want to earn a substantial amount as the interest on ₹10 Crore FD per month, you may choose the monthly payout option. This can serve as a steady stream of income that you can use as you like. With good liquidity, you can manage unplanned expenses without dipping into other savings and investments. 

 

For instance, your payout can go up to ₹7.5 Lakhs at an FD interest rate for ₹10 Crores at 9%  p.a. over a tenure of 5 years, with total interest earning of ₹5.38 Crores.

 

Similarly, opting for a shorter tenure, say 2 years on the same FD amount at 9% interest rate p.a. will generate monthly interest of ₹7.5 Lakhs, but here the total interest earned per annum will go down to ₹1.88 Crores. Hence, compare your tenures before you plan your FD for ₹10 Crore investment.

The monthly interest on a ₹10 Crore FD depends directly on the interest rates. Take a look at the monthly returns on a ₹10 Crore fixed deposit for a tenure of 5 years:

Compare the FD interest on ₹10 Crore rates and 5-year returns offered by some of the leading banks and Non-banking Financial Companies (NBFCs) in 2025:

As a Non-resident Indian (NRI), you can invest a substantial amount like ₹10 Crores in Non-resident External (NRE) and Non-resident Ordinary (NRO) accounts offered by banks and NBFCs. Here are the interest rates for a ₹10 Crore FD for NRE and NRO accounts:

Here’s a table showing the maturity amounts for a ₹10 Crore investment at an interest rate of 8.25% p.a., broken down by various tenures:

Using an FD calculator, you can easily compute the  ₹10 Crore FD interest per month within a few seconds. Add the following details:

• Principal amount 

• Interest rate

• Investment tenure

Maturity Amount Calculation Example

Assume you invested ₹10 Crores in an FD with an interest rate of 8.50% p.a. for a period of 5 years (60 months).

• Monthly Interest Earned = Principal × Interest Rate / 12

• Monthly Interest Earned = ₹10,00,00,000 × 8.50% / 12

• Monthly Interest Earned = ₹85,00,000 / 12

• Monthly Interest Earned = ₹7,08,333.33

 

So at 8.50% p.a., the ₹10 Crore FD interest per month would be ₹7,08,333.33.

 

Interest Earned Upon Maturity

• Interest Earned On Maturity = Principal × Interest Rate × Time (in years) / 100

• Interest Earned on Maturity = ₹10,00,00,000 × 8.50 × 5 / 100

• Interest Earned on Maturity = ₹4,25,00,000

 

The total interest accumulated on ₹10 Crore FD interest per year over the 5-year tenure would amount to ₹4.25 Crores.

Premature withdrawal from a ₹10 Crore fixed deposit means taking out funds before the maturity date. This often leads to reduced ₹10 Crore FD interest per month after tax and may include a penalty, typically around 0.5% to 1%. As a result, your overall returns may be lower, so it's important to review the terms before withdrawing early.

FD Premature Withdrawal Example

You invest ₹10 Crores in an FD with a 5-year tenure at an interest rate of 8.50% p.a. However, you decide to withdraw prematurely after 2 years and the interest rate for that period will be reduced to 7.50% p.a. After applying a 1% penalty for early withdrawal, the final interest rate drops to 6.50% p.a., leading to lower-than-expected returns.

Remember that the interest for ₹10 Crore fixed deposit is taxable if it goes beyond a specific limit. Here are the current taxation rules:

• In case your income exceeds ₹40,000 in a year, banks and NBFCs deduct Tax Deducted at Source (TDS) 

• TDS is levied for senior citizens in case the payouts exceed ₹50,000 in a year

• TDS is deducted at 10% if you provide your PAN card details

• TDS is deducted at 20% If you have not submitted your PAN card details

• Forms 15H or 15G allow you to avoid TDS in case your income falls below the taxable bracket

• You can get tax deductions of up to ₹1.5 Lakhs in a year by investing in tax-saving FDs u/s 80C of the Income Tax Act, 1961

The information provided by BFDL is related to the rates provided by Banks and Deposit taking NBFCs as available from public domain and under no circumstances is intended to be source of advice or recommendation of any financial investment advice or endorsement of any sort. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers and use of such information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. Display of any intellectual property along with the related product information does not imply BFDL’s partnership with the owner of the intellectual property of such products and is solely for the purpose of information, unless otherwise provided by BFDL.