Monthly Interest Payout on a ₹4 Crore Fixed Deposit

If you have substantial capital for investment, such as ₹4 Crores, fixed deposits can be a safe and lucrative option for assured returns. 

 

For example, investing ₹4 Crores at an interest rate of 7.5% p.a. for a tenure of 5 years could provide you with a monthly earning of ₹2.50 Lakhs. While if you increase the interest rate to 10% p.a. on the same tenure, then this same amount will yield a monthly earning of ₹3.33 Lakhs. 

 

Given that many FD issuers offer competitive interest rates, it's essential to compare options before deciding. Knowing the ₹4 Crore fixed deposit interest per month can help you choose the most suitable issuer.

The monthly interest on a ₹4 Crore FD that you could earn varies with interest rates. Check out the following table to know the monthly returns across a tenure of 5 years:

The following table shows the returns for ₹4 Crore fixed deposit interest per month in 2025 across some of the leading FD banks and NBFCs in India, for a tenure of 5 years:

Here's a table outlining the maturity amounts for a ₹4 Crore FD at an interest rate of 8.35% p.a. for various tenures:

Non-resident Indians (NRIs) could opt for Non-resident External (NRE) and Non-resident Ordinary (NRO) accounts to invest their savings in FDs. Below are the interest rates for NRE and NRO fixed deposits for an investment of ₹4 Crores.

You can take the help of a fixed deposit calculator to get an estimate of a ₹4 Crore FD interest per month payout. Enter the following information into the tool for instant and accurate results:

• Principal amount 

• Interest rate

• Investment tenure

• Payout frequency

Maturity Amount Calculation Example

Assume you invested ₹4 Crores in an FD with an interest rate of 7.20% p.a. for a period of 3 years (36 months). Here’s how you can manually calculate the monthly interest earned:

• Monthly Interest Earned = Principal × Interest Rate / 12

• Monthly Interest Earned = ₹4,00,00,000 × 7.20% / 12

• Monthly Interest Earned = ₹4,00,00,000 x 0.072 / 12 

• Monthly Interest Earned = ₹2,40,000

 

So, the monthly interest earned on an FD of ₹4 crores at 7.20% p.a. would be ₹24,00,000

 

Total Interest Earned Upon Maturity

• Total Interest Earned = Monthly Interest × Number of Months

• Total Interest Earned = ₹2,40,000 × 36

• Total Interest Earned = ₹8,64,0000

 

The total interest on a ₹4 Crore FD accumulated over the 3-year tenure would amount to ₹8,64,0000, with a monthly interest payout of ₹2,40,000. 

Banks and NBFCs typically allow early withdrawal of fixed deposits, but this often comes with penalties. They may charge a fee, usually a percentage of the withdrawn amount, and reduce the interest rate from the original rate offered. These penalties can notably decrease your overall returns.

FD Premature Withdrawal Example

Suppose you invest ₹4 crores in a fixed deposit at an interest rate of 8.30% p.a. for 2 years but decide to withdraw it prematurely after 1 year. In this case, the interest rate would be reduced to 7.30% p.a. for the 1-year period. Additionally, a 1% penalty would further lower the interest rate to 6.30% p.a., resulting in significantly reduced returns.

The interest earnings from fixed deposits are subject to Tax Deducted at Source (TDS) if they are higher than the exempted limit. This makes it important to be aware of the current taxation rules, which are as follows:

• If your income exceeds ₹40,000 in a year, banks and NBFCs will deduct TDS

• The limit is extended to ₹50,000 for senior investors

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

• TDS is levied at 20% if you have not submitted your PAN card details

 

In addition, the interest amount will be added to your taxable income and taxed as per your slab. You could claim a deduction of up to ₹1.5 Lakhs per financial year u/s 80C of the Income Tax Act, 1961, by investing in tax-saving FDs. These deposits come for a tenure of 5 years and you cannot withdraw before the term ends.

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.