Beyond the traditional concept of wealth preservation, opting for monthly interest payouts on a fixed deposit of ₹50 Crores provides a consistent income stream. The strategic significance of this investment is further highlighted by the need to carefully compare interest rates across different FD issuers.
This diligence ensures that the substantial investment yields optimal returns, enhancing the overall efficacy of the financial strategy. Read on to find out about the different monthly interest income you could expect depending on the interest rate offered by an issuer for your desired tenor.
On investing ₹50 Crores in an FD of 5 years, you may receive the following monthly interest payouts based on the interest rates offered by the below issuers:
Bank/NBFC/HFC |
Non-senior Citizen (p.a.) |
Monthly Interest Payout |
Senior Citizen (p.a.) |
Monthly Interest Payout |
Bajaj Finance Ltd. |
8.05% |
₹ 33,54,167 |
8.30% |
₹ 34,58,333 |
PNB Housing Finance Ltd. |
7.65% |
₹ 31,87,500 |
7.95% |
₹ 33,12,500 |
Mahindra Finance Ltd. |
8.05% |
₹ 33,54,167 |
8.30% |
₹ 34,58,333 |
LIC Housing Finance |
7.75% |
₹ 32,29,167 |
8.00% |
₹ 33,33,333 |
Shriram Finance |
8.27% |
₹ 34,45,833 |
8.77% |
₹ 36,54,167 |
AU Small Finance Bank |
7.25% |
₹ 30,20,833 |
7.75% |
₹ 32,29,167 |
ICICI Bank |
7.00% |
₹ 29,16,667 |
7.50% |
₹ 31,25,000 |
HDFC Bank |
7.00% |
₹ 29,16,667 |
7.50% |
₹ 31,25,000 |
IDFC First Bank |
7.00% |
₹ 29,16,667 |
7.50% |
₹ 31,25,000 |
Axis Bank |
7.00% |
₹ 29,16,667 |
7.75% |
₹ 32,29,167 |
IndusInd Bank |
7.25% |
₹ 30,20,833 |
7.75% |
₹ 32,29,167 |
YES Bank |
7.25% |
₹ 30,20,833 |
8.00% |
₹ 33,33,333 |
Jana Small Finance Bank |
7.25% |
₹ 30,20,833 |
7.75% |
₹ 32,29,167 |
Kotak Mahindra Bank |
6.25% |
₹ 26,04,167 |
6.75% |
₹ 28,12,500 |
*Disclaimer: The above interest rates mentioned above are subject to change at the discretion of the issuer.
By investing ₹50 Crores in a fixed deposit for 5 years across different interest rates, here is the potential monthly interest income you have received:
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% |
₹ 29,16,667 |
₹50 Crores |
7.50% |
₹ 31,25,000 |
₹50 Crores |
8.00% |
₹ 33,33,333 |
₹50 Crores |
8.50% |
₹ 35,41,667 |
₹50 Crores |
9.00% |
₹ 37,50,000 |
₹50 Crores |
9.50% |
₹ 39,58,333 |
₹50 Crores |
10.00% |
₹ 41,66,667 |
The monthly interest payout option on a ₹50 Crore FD provides a reliable income stream, ensuring financial stability and adaptability to evolving needs. However, the key to unlocking the full benefits lies in comparing interest rates across issuers before making the investment. This step is pivotal in ensuring optimal returns and maximising the potential of your substantial investment.
Check the Monthly Interest Rate on Your Fixed Deposits |
||