Investment Amount
Interest Rate
Total Interest Amount
Total Payout (Principal + Interest)
Investing ₹2.5 Crores in a fixed deposit can result in assured and stable earnings every month if you choose a non-cumulative FD. This option could be useful for those seeking a regular income, especially to manage recurring expenses.
Since some FD issuers offer higher interest rates to senior citizens, this group may benefit from the guaranteed returns provided on such a deposit. Use an FD calculator to compare the interest rates offered by different issuers across tenors to choose the best option for yourself.
Here are the gains you can look forward to receiving every month on an FD of ₹2.5 Crores. The table below considers different interest rates over a tenor of 5 years.
Deposit Amount |
Interest Rate (p.a.) |
Monthly Interest Payout |
₹2.5 Crores |
6.00% |
₹1,25,000 |
₹2.5 Crores |
6.50% |
₹1,35,416 |
₹2.5 Crores |
7.00% |
₹1,45,833 |
₹2.5 Crores |
7.50% |
₹1,56,250 |
₹2.5 Crores |
8.00% |
₹1,66,666 |
₹2.5 Crores |
8.50% |
₹1,77,083 |
₹2.5 Crores |
9.00% |
₹1,87,500 |
₹2.5 Crores |
9.50% |
₹1,97,916 |
₹2.5 Crores |
10.00% |
₹2,08,333 |
Note: The interest payouts mentioned above are indicative, and your actual returns may vary based on the issuer’s policies.
Here is the potential monthly interest income on a fixed deposit of ₹2.5 Crores for a tenor of 5 years across different issuers:
Bank/NBFC/HFC |
Non-senior Citizen (p.a.) |
Monthly Interest Payout |
Senior Citizen (p.a.) |
Monthly Interest Payout |
8.10% |
₹1,68,750 |
8.35% |
₹1,73,958 |
|
7.65% |
₹ 1,59,375 |
7.85% |
₹1,63,542 |
|
8.10% |
₹1,68,750 |
8.35% |
₹1,73,958 |
|
LIC Housing Finance |
7.50% |
₹1,56,250 |
7.50% |
₹1,56,250 |
8.47% |
₹1,76,458 |
8.97% |
₹1,86,875 |
|
ICICI Bank |
7.00% |
₹1,45,833 |
7.00% |
₹1,45,833 |
HDFC Bank |
7.00% |
₹1,45,833 |
7.50% |
₹1,56,250 |
IDFC First Bank |
7.25% |
₹1,51,042 |
7.75% |
₹1,61,458 |
Axis Bank |
7.20% |
₹1,50,000 |
7.20 |
₹1,50,000 |
IndusInd Bank |
7.10% |
₹1,47,917 |
7.70% |
₹1,60,417 |
7.25% |
₹1,51,042 |
8.00% |
₹1,66,667 |
|
Jana Small Finance Bank |
6.25% |
₹1,30,208 |
6.25% |
₹1,30,208 |
Kotak Mahindra Bank |
6.25% |
₹1,30,208 |
6.25% |
₹1,30,208 |
Note: The above-mentioned rates are subject to change at the issuer’s discretion.
On Bajaj Markets, you can compare and choose from different FD issuers offering competitive rates and invest online.
Check the Monthly Interest Rate for Your Fixed Deposits |
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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.
The monthly payout depends on the rate of interest. For instance, with an interest of 8%, the monthly interest on an FD of ₹2.5 Crores for 5 years will come to approximately ₹1,66,667.
To open an FD of ₹2.5 Crores, you need to provide identity and address proof along with the duly filled application form. You may also need to provide a cheque or bank statement to show the source of the funds.
Several factors affect the monthly payout on an FD of ₹2.5 Crores, including the principal amount, interest rate, tenor, and compounding frequency.
Yes, the interest earned on a fixed deposit of ₹2.5 Crores is taxable. It will also be subject to TDS as the total interest will be above the threshold of ₹50,000.
The penalties for premature withdrawal of an FD vary depending on the issuer's policies and other terms. In the case of a high-value FD like ₹2.5 Crores, issuers may have specific penalties or charges associated with this.
A significant advantage is that you receive a fixed income stream to address your requirements. With an FD of ₹2.5 Crores, you can earn a substantial monthly amount to finance living expenses, EMIs or other needs.