Monthly Interest on a ₹6 Crore FD

Investing in a ₹6 Crore FD offers financial prudence when considering the monthly interest payout option. At an interest rate of 8% p.a. for a tenure of 5 years, you can receive a monthly payout of ₹4 Lakhs, with total interest earnings amounting to ₹2.8 Crores over the course of the tenure. 

 

Likewise, choosing a tenure of 3 years for the same FD amount at 8% p.a. will generate a monthly interest payout of ₹4 Lakhs. However, the interest earned per annum will come down when you choose a shorter timeline, which in this case will be ₹ 1.55 Crores.

 

This careful evaluation ensures optimal returns and aligns with a strategic approach to wealth preservation and consistent income. 

A ₹6 Crore FD interest per month varies as per interest rates set by the bank or Non-banking Financial Company (NBFC). Refer to the following table to know the monthly returns across a 5-year tenure.

Interest rates on fixed deposits differ between banks and NBFCs, so it is important to explore and compare options to secure the most favourable rates. In 2025, the ₹6 Crore FD interest per month with a bank or NBFC varies depending on their policies. Review the rates and potential monthly payouts over a 5-year period.

Non-resident Indians (NRIs) can invest in fixed deposits through NRE and NRO accounts offered by banks and NBFCs. Below are the interest rates available for NRE and NRO fixed deposits:

With the help of a fixed deposit calculator, you can calculate the monthly interest payouts instantly. Enter the following details in the calculator:

• The principal amount 

• The interest rate

• The investment tenure

Maturity Amount Calculation Example

Let’s assume you invest ₹6 Cr FD on an interest rate of 7.35% p.a. for a tenure of 4 years (48 months). Below is the step-by-step process to calculate the monthly interest: 

• Monthly Interest = Principal × Interest Rate / 12

• Monthly Interest = ₹6,00,00,000 × 7.35% / 12

• Monthly Interest = ₹3,67,500

 

So, the monthly interest earned on an FD of ₹6 Crores at 7.35% p.a. would be ₹3,67,500.

 

Interest Earned Upon Maturity

• Total Interest = Monthly Interest × Number of Months

• Total Interest = 3,67,500 × 48

• Total Interest = ₹1,76,40,000

 

The total interest accumulated over the 4-year tenure would be approximately ₹1,76,40,000

 

Note: Check the formula used by the bank or NBFC to get an accurate estimate. 

The table below provides the maturity amounts for a ₹6 Crore FD interest rate of 8.25% p.a., with a breakdown based on various tenure:

The penalty for premature withdrawal of an FD refers to the charges imposed by banks or NBFCs when you withdraw your fixed deposit before its maturity date. This penalty typically involves a reduction in the ₹6 Crore fixed deposit interest per month along with the applicable interest rate, often by 0.5% to 1%, and may also include additional fees. As a result, withdrawing early could lead to lower returns than initially expected.

FD Premature Withdrawal Example

Let’s assume you invest ₹6 crores in an FD with a 3-year tenure at an interest rate of 8.25% p.a. However, if you withdraw the deposit prematurely after 1 year, the ₹6 Crore fixed deposit interest per month is revised. For the 1-year period, the applicable rate drops to 7.65% p.a. After applying a 1% penalty for early withdrawal, the final interest rate reduces to 6.65% p.a., resulting in lower returns than originally expected.

Being aware of the taxation rules on FDs can help you prepare better. Here are the current taxation rules:

• If your interest earnings are more than ₹40,000 in a year, banks and NBFCs deduct Tax Deducted at Source (TDS) 

• TDS is levied for senior citizens in case these interest earnings exceed ₹50,000 in a year

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

• TDS is deducted at 20% in case you have not submitted your PAN card details

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.