Monthly Interest Payout on a ₹50 Crore Fixed Deposit

Beyond the traditional concept of wealth preservation, opting for monthly interest payouts on a fixed deposit of ₹50 Crores provides a consistent income stream. Read on to find out about the different ₹50 Crore FD interest per month you could expect depending on the interest rate offered by an issuer for your desired tenure. 

 

Your payout can go up to ₹32 Lakhs as ₹50 Crore FD interest per month at 7.5%  p.a. over a tenure of 5 years, with total interest earning of ₹22 Crores.

 

Similarly, opting for a shorter tenure, say 2 years on the same FD amount at 7.5% interest rate p.a. will generate monthly interest of ₹32 Lakhs, but here the total interest earned per annum will go down to ₹7 Crores. Hence, compare your tenures before you plan your investment.

Choosing a higher interest rate for a fixed deposit investment yields higher returns. The following table elaborates how the ₹50 Crore fixed deposit interest per month increases with higher interest rates for a tenure of 5 years.

Note: The values mentioned in the table above are indicative. The actual returns may vary.

Here is a quick overview of rates offered by various banks and NBFCs in 2025. Note that these interest rates are applicable for a tenure of 5 years.

Note: The above-mentioned rates are as of June 2024 and subject to change at the banks and NBFCs discretion.

As a Non-resident Indian (NRI), you can invest a substantial amount like ₹50 Crores in Non-resident External (NRE) and Non-resident Ordinary (NRO) accounts offered by banks and NBFCs. Here are the ₹50 Crore FD interest rate options for NRE and NRO fixed deposits:

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

Below is a table outlining the maturity amounts for an interest on ₹50 Crore FD at an interest rate of 9.40% p.a., with details for different tenures:

Note: The figures above are for illustration purposes only. Actual interest rates and payouts may vary across different banks and NBFCs.

Most banks and NBFCs allow premature withdrawals of fixed deposits, but this often comes with penalties. They may reduce the interest rate or charge a small penalty on the interest earned. These penalties vary, so check these terms before investing.

FD Premature Withdrawal Example

If you invest ₹50 Crores in an FD for 5 years at 8.50% p.a. but withdraw after 1 year, the interest rate drops to 7.50% p.a. With a 1% early withdrawal penalty, the final rate falls to 6.50% p.a., leading to lower returns than expected.

Note: The figures above are for illustration purposes only. The actual penalty charges may vary depending on the bank or NBFC’s policies.

Before investing in a fixed deposit, evaluate your tax obligations and estimate your actual earnings. Here are a few crucial points that you must be aware of:

• Exemption limit for regular citizens is ₹40,000, and ₹50,000 for senior citizens per financial year

• 10% TDS applies if the interest earned exceeds the exemption limit 

• If you have not registered your PAN card, the TDS rate is 20%

To calculate the ₹50 Cr FD interest rate per month, using an FD calculator is the best option. Here are the steps to follow:

1. Enter the deposit amount as ₹50 Crores 

2. Provide the applicable interest rate

3. Select your payout option

4. Choose a tenure of your preference 

Maturity Amount Calculation Example

Let’s assume you invest ₹50 Crore FD interest per month at an interest rate of 9.40% p.a. for a period of 5 years (60 months). The calculation for the monthly interest would be as follows:

• Monthly Interest Earned = Principal × Interest Rate / 12

• Monthly Interest Earned = ₹50,00,00,000 × 9.40% / 12

• Monthly Interest Earned = ₹39,16,666.67

 

The monthly interest earned on an FD of ₹50 Crores at 9.40% p.a. would be ₹39,16,666.67

 

Interest Earned Upon Maturity

• Total Interest Earned over 5 years = Principal × Interest Rate × Time (in years) / 100

• Total Interest Earned = ₹50,00,00,000 × 9.40 × 5 / 100

• Total Interest Earned = ₹23.50 Crores

 

The total interest accumulated over the 5-year tenure would amount to ₹23.50 Crores

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.