Monthly Interest Rates for a Rs. 25 Lakh Fixed Deposit

For investors looking to invest their money, fixed deposits are a safe and secured option. You can earn a fixed rate of interest on your deposited amount, which remains unchanged throughout your FD tenure.

Monthly interest rates for Rs. 25 lakh fixed deposit will depend on the tenure of the deposit and the interest rate offered by the financial institution.

Understanding the monthly interest rate for a Rs. 25 lakh Fixed Deposit (FD) is crucial for investors seeking steady income. Fixed Deposits offer a secure investment option with guaranteed returns. Knowing the interest rates can help in planning your financial goals effectively, ensuring optimal returns on your Rs. 25 lakh FD investment.

Monthly interest rates for Rs. 25 lakh Fixed Deposit

Monthly interest rates for a Rs. 25 lakh Fixed Deposit depend on the annual interest rate. For instance, if the FD rate is 8.2% per annum, the monthly interest can be calculated using the formula:

For a Rs. 25 lakh FD with an 8.2% p.a. interest rate:

Monthly Interest = Rs. 25,00,000 × 8.2%/12

Monthly Interest = Rs. 17,083

So, with an 8.2% annual interest rate, a Rs. 25 lakh Fixed Deposit could earn Rs. 17,083 as monthly interest.

FD monthly interest rate payout for a deposit of Rs. 25 lakh

To provide an idea on the estimate of the monthly income generated, the monthly interest for a Rs. 25 lakh FD with rates between 2.50% and 8.50% per annum is detailed below.

How much monthly interest can be earned on a Rs. 25 lakh FD?

Fixed deposits (FDs) are regarded as safe investments with minimal risk. When considering capital safety, an FD is often the first investment option that comes to mind. Corporate FDs offer predetermined interest rates that remain fixed throughout the entire tenure and are generally higher. For example, if you invest Rs. 25 lakh in an FD with Bajaj Finance for five years, you can benefit from relatively higher interest rates. You can choose a tenure between 12 to 60 months, making corporate FDs suitable for both short-term and long-term financial goals.

With Bajaj Finance, investors can select periodic interest payouts based on their liquidity needs by opting for the non-cumulative FD plan. This plan allows investors to choose between monthly, quarterly, half-yearly, or annual interest payouts.

Following are the calculations of interest earnings for Rs. 25 lakh fixed deposit for senior citizens and citizens aged below 60:

Citizens aged below 60 investing in an FD:

Senior citizens investing in an FD:

Effortlessly Calculate FD returns with our user-friendly tool and plan your financial future with confidence and clarity.

Documents required for opening a Rs. 25 lakh FD

To book an FD, you need:

• PAN card
• Any KYC documents: Aadhaar card/passport/driving licence/voter ID

What is a reinvestment or cumulative FD?

A reinvestment or cumulative Fixed Deposit (FD) is an investment where the interest earned is not paid out periodically but is instead compounded and added to the principal amount. This leads to higher returns at maturity due to compounding.