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.

Deposit Amount

Interest Rate

Tenure

Months

Interest Payout

At Maturity
At Maturity
Monthly
Quaterly
Half Yearly
Yearly

Invest Amount

Interest Rate

Total Interest Amount

Total Payout Principal + Interest

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Monthly Interest Payout for a Fixed Deposit of ₹2.5 Crores

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.

Monthly Interest Payout for an FD of ₹2.5 Crores Offered by Banks and NBFCs

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

Bajaj Finance Ltd.

8.10%

₹1,68,750

8.35%

₹1,73,958

PNB Housing Finance Ltd.

7.65%

₹ 1,59,375

7.85%

₹1,63,542

Mahindra Finance Ltd.

8.10%

₹1,68,750

8.35%

₹1,73,958

LIC Housing Finance

7.50%

₹1,56,250

7.50%

₹1,56,250

Shriram Finance

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

YES Bank

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.

Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort. 

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of 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. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products. 

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Frequently Asked Questions

What will be the monthly payout on an FD of ₹2.5 Crore with a tenor of 5 years?

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.

What documents are required to apply for an FD of ₹2.5 Crores?

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.

What factors influence the monthly interest earnings on an FD of ₹2.5 Crores?

Several factors affect the monthly payout on an FD of ₹2.5 Crores, including the principal amount, interest rate, tenor, and compounding frequency.

Is the interest earned on an FD of ₹2.5 Crores taxable?

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.

Are there any penalties for premature withdrawal of an FD of ₹2.5 Crores with monthly interest payouts?

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.

What are the benefits of opting for monthly interest payouts on an FD of ₹2.5 Crores?

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.

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