Investing a substantial amount like ₹50 Crores in a fixed deposit (FD) can help you get stable and consistent returns. Simply choose the monthly interest payout option to enjoy assured income.


If you invest this amount for 5 years at a rate of 8%, you can get around ₹33.33 Lakhs per month. To invest strategically and get the best returns, compare the interest on an FD of ₹50 Crores across different issuers.

Deposit Amount

Interest Rate

Tenure

Months

Interest Payout

At Maturity
At Maturity
Monthly
Quaterly
Half Yearly
Yearly

Investment Amount

Interest Rate

Total Interest Amount

Total Payout (Principal + Interest)

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Monthly Interest Payout on a Fixed Deposit of ₹50 Crores

Here is the potential monthly income you can receive on investing ₹50 Crores in an FD for 5 years at different rates. 

Deposit Amount

Interest Rate (p.a.)

Monthly Interest Payout

₹50 Crores

6.00%

₹25,00,000

₹50 Crores

6.50%

₹27,08,333

₹50 Crores

7.00%

₹29,16,666

₹50 Crores

7.50%

₹31,25,000

₹50 Crores

8.00%

₹33,33,333

₹50 Crores

8.50%

₹35,41,666

₹50 Crores

9.00%

₹37,50,000

₹50 Crores

9.50%

₹39,58,333

₹50 Crores

10.00%

₹41,66,666

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

Interest on an FD of ₹50 Crores Offered by Different Banks & NBFCs

The rates you get depend on the issuer you choose, among other factors like the tenor. Refer below to know the interest per month on an FD of ₹50 Crores with a 5-year tenor across issuers.

Bank/NBFC/HFC

Non-senior Citizen (p.a.)

Monthly Interest Payout

Senior Citizen (p.a.)

Monthly Interest Payout

LIC Housing Finance

7.50%

₹31,25,000

7.50%

₹31,25,000

ICICI Bank

7.00%

₹29,16,666

7.00%

₹29,16,666

HDFC Bank

7.00%

₹29,16,666

7.00%

₹29,16,666

IDFC First Bank

7.30%

₹30,41,666

7.30%

₹30,41,666

Axis Bank

7.00%

₹29,16,666

7.50%

₹31,25,000

IndusInd Bank

7.25%

₹30,20,833

7.25%

₹30,20,833

Jana Small Finance Bank

6.25%

₹26,04,166

6.25%

₹26,04,166

Kotak Mahindra Bank

6.25%

₹26,04,166

6.25%

₹26,04,166

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

 

Now that you have an estimate of the monthly interest on an FD of ₹50 Crores with different rates and issuers, invest carefully. Choose an FD with good ratings to ensure your invested sum and interest earnings are secure. 


On Bajaj Markets, you can choose from the top issuers offering lucrative rates on highly rated FDs.

Disclaimer

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.

FAQs on Monthly Interest Payout on a Fixed Deposit of ₹50 Crores

What are the tax implications on the interest earned on an FD of ₹50 Crores?

The interest earned on an FD of ₹50 Crores is considered as income and is taxable as per the Income Tax Act, 1961. Tax Deduction at Source (TDS) will also be applicable since the interest will likely exceed the threshold of ₹40,000/₹50,000. Consult with a tax advisor to better understand the tax liability and plan accordingly.

How can I calculate the monthly interest on an FD of ₹50 Crores?

To calculate the monthly interest on a fixed deposit of ₹50 Crores, you can use the formula: 

Interest = Principal x Rate x Tenor/ 100 x 12

You can also use an FD calculator, which is a simple online tool that gives accurate estimates instantly.

What documents are required to open a ₹50 Crore FD account?

When opening an FD of ₹50 Crores, you typically need to provide a completed application form, proof of identity, proof of address, and passport-size photographs. Given the substantial amount, additional documents like income proof or a declaration of the source of funds may be requested too.

What is the potential monthly interest on an FD of ₹50 Crores?

The monthly interest varies based on the financial institution’s interest rate on an FD of ₹50 Crores. For instance, one issuer may offer interest of 6% while another may offer 7% for a tenor of 5 years. Here, your approximate interest payout will be ₹25,00,000 and ₹29,16,666, respectively.

Are there any penalties for prematurely withdrawing an FD of ₹50 Crores with monthly interest payouts?

Yes, penalties can include reduced interest rates or charges. Understand the specific terms and conditions related to premature withdrawals that your chosen issuer has to avoid unexpected financial implications.

Can I reinvest the monthly interest earned from my ₹50 Crore FD?

Yes, reinvesting the monthly interest earned from an FD of ₹50 Crores can be a strategic move to potentially enhance your returns. You can benefit from compounding and accelerate the growth of your investment over time. Consider exploring different investment options to diversify and optimise your portfolio.

What are the benefits of opting for monthly interest payouts on an FD of ₹50 Crores?

Opting for monthly interest payouts on an FD of ₹50 Crores provides a regular income stream. It offers liquidity and flexibility, helping you supplement your cash flow.

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