If you have substantial capital for investment, say ₹4 Crores, then fixed deposits can be a safe and lucrative option for assured returns. When you stay invested for a tenor of 5 years, an amount like ₹4 Crores could fetch you a monthly earning of ₹2.50 Lakhs at 7.50% p.a. 


However, since most FD issuers offer competitive interest rates, it is crucial to carefully consider your options before making a decision. Knowing the interest per month on an FD of ₹4 Crores well in advance helps you choose a suitable issuer.

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 ₹4 Crores

Here is an overview of the monthly interest income you could receive across different interest rates by investing ₹4 Crores in an FD for 5 years: 

Deposit Amount

Interest Rate (p.a.)

Monthly Interest Payout

₹4 Crores

6.00%

₹2,00,000

₹4 Crores

6.50%

₹2,16,667

₹4 Crores

7.00%

₹2,33,333

₹4 Crores

7.50%

₹2,50,000

₹4 Crores

8.00%

₹2,66,667

₹4 Crores

8.50%

₹2,83,333

₹4 Crores

9.00%

₹3,00,000

₹4 Crores

9.50%

₹3,16,667

₹4 Crores

10.00%

₹3,33,333

Note: The monthly interest payouts mentioned above are indicative, and your actual returns will vary depending on the issuer’s policies.

Monthly Interest Payout for an FD of ₹4 Crores Offered by Banks and NBFCs

If you were to invest ₹4 Crores in an FD for 5 years, here is the potential monthly interest payout you could receive: 

Bank/NBFC

Non-senior Citizen (p.a.)

Monthly Interest Payout

Senior Citizen (p.a.)

Monthly Interest Payout

Bajaj Finance Ltd.

8.10%

₹2,70,000

8.35%

₹2,78,333

PNB Housing Finance Ltd.

7.65%

₹2,55,000

7.85%

₹2,61,667

Mahindra Finance Ltd.

8.10%

₹2,70,000

8.35%

₹2,78,333

LIC Housing Finance

7.50%

₹2,50,000

7.50%

₹2,50,000

Shriram Finance

8.47%

₹2,82,333

8.97%

₹2,99,000

ICICI Bank

7.00%

₹2,33,333

7.00%

₹2,33,333

HDFC Bank

7.00%

₹2,33,333

7.50%

₹2,50,000

IDFC First Bank

7.25%

₹2,41,667

7.75%

₹2,58,333

Axis Bank

7.20%

₹2,40,000

7.20%

₹2,40,000

IndusInd Bank

7.10%

₹2,36,667

7.70%

₹2,56,667

YES Bank

7.25%

₹2,41,667

8.00%

₹2,66,667

Jana Small Finance Bank

6.25%

₹2,08,333

6.25%

₹2,08,333

Kotak Mahindra Bank

6.25%

₹2,08,333

6.25%

₹2,08,333

Note: The above-mentioned rates are subject to change at the issuer’s discretion.


Now that you know the interest per month on an FD of ₹4 Crores you could earn, choosing a suitable FD plan is simple. Investing in a fixed deposit not only ensures a steady income stream but it is also a hassle-free process. On Bajaj Markets, choose from multiple FD issuers and start your investment journey today. 

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 are the tax implications on the interest earned from an FD of ₹4 Crores?

The interest earned from a fixed deposit of ₹4 Crores is taxable income under the Income Tax Act, 1961. It is added to your total income and taxed according to applicable income tax slab rates. 


The TDS is deducted at 10% if the interest exceeds specified thresholds. It is currently ₹40,000 for regular individuals and ₹50,000 for senior citizens.

What documents are required to open an FD of ₹4 Crores?

To open an FD account, you need various documents, including identity proof, address proof, KYC documents, income proof, and passport-sized photographs. However, banks or NBFCs may have their specific requirements.

What is the potential monthly interest on a fixed deposit of ₹4 Crores?

The monthly interest on an FD of ₹4 Crores depends on the prevailing interest rate, which can vary. For instance, at an interest rate of 6% p.a., the monthly interest on an FD of ₹4 Crores for a 5-year tenor would be ₹2,00,000.

Are there penalties for premature withdrawal of an FD of ₹4 Crores with monthly interest payouts?

Penalties for premature withdrawal vary across banks and NBFCs. Typically, such withdrawals may incur a reduction in the interest rate or forfeiture of a portion of the interest earned. It is essential to review the terms and conditions of your FD agreement to understand the specific penalties.

Can I reinvest the monthly interest earned from my FD of ₹4 Crores?

Yes, you can reinvest the monthly interest earned from your fixed deposit of ₹4 Crores. Reinvesting allows you to maximise returns by earning compound interest on your initial investment. You can choose to reinvest it in the same FD or explore other investment options based on your financial goals.

What are the benefits of opting for monthly interest payouts on an FD of ₹4 Crores?

Monthly interest payouts from an FD provide a regular income stream, assisting in meeting recurring expenses or supplementing income. Additionally, they offer financial stability and liquidity. It is essential to assess your cash flow needs and long-term financial goals to determine if monthly interest payouts align with your objectives.

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