Investment Amount
Interest Rate
Total Interest Amount
Total Payout (Principal + Interest)
If you want to earn a substantial amount as the interest per month on a fixed deposit of ₹10 Crores, you may choose the monthly payout option. Your payout can go up to ₹7.5 Lakhs at an interest rate of 9% over a tenor of 5 years.
This can serve as a steady stream of income that you can use as you like. With good liquidity, you can manage unplanned expenses without dipping into other savings and investments. Compare your options to plan your FD investment wisely.
The interest you earn corresponds to the FD interest rate, and as the rates increase, so do your returns. Here is an estimate of the interest per month on a fixed deposit of ₹10 Crores booked for 5 years at various interest rates:
Deposit Amount |
Interest Rate (p.a.) |
Monthly Interest Payout |
₹10 Crores |
6.00% |
₹5,00,000 |
₹10 Crores |
6.50% |
₹5,41,666 |
₹10 Crores |
7.00% |
₹5,83,333 |
₹10 Crores |
7.50% |
₹6,25,000 |
₹10 Crores |
8.00% |
₹6,66,666 |
₹10 Crores |
8.50% |
₹7,08,333 |
₹10 Crores |
9.00% |
₹7,50,000 |
₹10 Crores |
9.50% |
₹7,91,666 |
₹10 Crores |
10.00% |
₹8,33,333 |
Note: The interest payouts mentioned above are indicative, and your returns may vary depending on the issuer’s policies.
Issuers offer different rates for the same terms, so who you choose to start your FD with matters. The table below indicates the monthly interest on an FD of ₹10 Crores over 5 years across different issuers.
Bank/NBFC/HFC |
Non-senior Citizen (p.a.) |
Monthly Interest Payout |
Senior Citizen (p.a.) |
Monthly Interest Payout |
LIC Housing Finance |
7.50% |
₹6,25,000 |
7.75% |
₹6,45,833 |
8.47% |
₹7,05,833 |
8.97% |
₹7,47,500 |
|
ICICI Bank |
7.00% |
₹5,83,333 |
7.00% |
₹5,83,333 |
HDFC Bank |
7.00% |
₹5,83,333 |
7.00% |
₹5,83,333 |
IDFC First Bank |
7.00% |
₹5,83,333 |
7.00% |
₹5,83,333 |
Axis Bank |
7.00% |
₹5,83,333 |
7.50% |
₹6,25,000 |
IndusInd Bank |
7.25% |
₹6,04,166 |
7.25% |
₹6,04,166 |
Jana Small Finance Bank |
6.25% |
₹5,20,833 |
6.25% |
₹5,20,833 |
Kotak Mahindra Bank |
6.25% |
₹5,20,833 |
6.25% |
₹5,20,833 |
SBI |
6.00% |
₹5,00,000 |
6.50% |
₹5,41,666 |
Note: The above-mentioned rates are subject to change at the issuer’s discretion.
Now that you have a better understanding of the monthly interest on an FD of ₹10 Crores, you can make a well-informed decision. Use the FD interest calculator to know the potential returns for different terms and invest accordingly.
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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.
Yes. If the annual interest exceeds ₹40,000 (₹50,000 for senior citizens), it is subject to a 10% TDS deduction. If the PAN details have not been submitted, then TDS will be deducted at 20%. Additionally, all the interest you earn is taxable as per your tax slab.
When investing in an FD, you need to submit identity proof, address proof, income proof, passport-size photographs, and other documents specified by the issuer.
Any Indian citizen, whether a resident or not, aged 18 and above, with the necessary documents, can invest in an FD of ₹10 Crores. Many issuers extend this opportunity to companies, HUFs, and more.
Utilise an FD interest calculator to compute the interest payout. Input investment details such as the amount, tenor, and interest rate to get an estimate of the total interest. For the non-cumulative option, divide the total interest earned by payout interval (e.g., monthly or quarterly).
There are various strategies you can adopt to maximise returns on an FD of ₹10 Crores. Some include choosing a longer tenor for higher interest rates or exploring schemes with payout at maturity. You can also compare rates before investing to ensure you get the best returns.
Yes, premature withdrawal may incur penalties, such as reduced interest rates or forfeiture of earned interest. However, this depends on the bank/NBFC and the terms of the FD agreement.
Your monthly earnings are influenced by several factors. Some of the important ones are the interest rate on an FD of ₹10 Crores, the tenor, the interest payout, and the compounding frequency.