Monthly Interest Payout on a ₹75 Lakh Fixed Deposit

An FD is a secure approach to capitalising on a large sum of ₹75 Lakhs and earning assured returns every month. The payout you receive could supplement your income and help you fulfil planned expenses. 

 

For instance, if you invest in a ₹75 Lakh fixed deposit interest per month scheme with a rate of 8% p.a. over a 5-year tenure, you would receive a monthly interest payout of ₹50,000.

 

On the other hand, if you choose to invest the same amount for the same tenure at 9% p.a., the monthly interest payout would be ₹56,250. The higher the interest rate, the better your earnings.

The interest amount varies depending on the rate offered. Check out the table below to understand the impact of rates on a ₹75 Lakh fixed deposit interest per month. The tenure assumed is 5 years.

Refer to the following table to understand the ₹75 Lakh FD interest per month for 5 years across different banks and NBFCs in 2025:

Here’s a table detailing the maturity amounts for an ₹75 Lakh FD at the rate of 7.70% p.a., with a breakdown across different tenures:

Non-resident Indians (NRIs) can invest in fixed deposits through Non-resident External (NRE) and Non-resident Ordinary (NRO) accounts. The table below highlights the interest rates offered for NRE and NRO fixed deposits:

You can determine your actual returns on your FD only after deducting your tax liabilities. Here are some of the regulations that apply to investment in fixed deposits:

• The bank or NBFC will impose Tax Deducted at Source (TDS) if your annual interest income is more than ₹40,000

• Furnish Form 15G or 15H to avoid any deduction if you fall under no income tax bracket

• A standard TDS rate of 10% will be applicable if you have furnished your PAN details 

• A TDS of 20% will be applicable if you have not submitted your PAN card 

To compute potential returns on your FD investment, utilise the facility provided above. Follow these simple steps to get an estimate for ₹75 Lakh FD interest per month:

1. Enter the investment amount, tenure, and interest rate

2. Opt for the ‘Monthly’ option under the ‘Interest Payout’ section

3. You can check the estimate of total and monthly interest payouts

Maturity Amount Calculation Example

Here’s how you can manually calculate the ₹75 Lakh fixed deposit interest per month at a rate of 7.70% p.a. for a period of 3 years (36 months):

• Monthly Interest Earned = Principal × Interest Rate / 12

• Monthly Interest Earned = ₹75,00,000 × 7.70% / 12

• Monthly Interest Earned = ₹5,77,500 / 12

• Monthly Interest Earned = ₹48,125

 

Therefore, the ₹75 Lakh FD interest per month earned at 7.70% p.a. would be ₹48,125

 

Total Interest Earned Upon Maturity

• Total Interest Earned = Monthly Interest × Number of Months

• Total Interest Earned = ₹48,125 × 36

• Total Interest Earned = ₹17,32,500

 

The total interest accumulated over the 3-year period would be ₹17,32,500, with a monthly payout of ₹48,125

 

Note: This is an estimate. Actual figures may vary based on the bank or NBFC's specific calculation methods.

If you withdraw funds from your investment before maturity, the bank or NBFC will impose a penalty, leading to reduced earnings on your ₹75 Lakh fixed deposit interest per month. Premature withdrawals often result in lower interest rates than initially offered. Some financial institutions may also charge an additional penalty on the withdrawn amount.

FD Premature Withdrawal Example

You invest ₹75 Lakhs in a fixed deposit at 7.70% p.a. for 3 years but withdraw after 1 year. The interest rate then drops to 6.70% p.a., and with a 1% penalty, the final rate is reduced to 5.70% p.a., resulting in lower returns.

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.