Published Apr 19, 2026 · 4 Min Read

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Fixed deposits (FDs) have long been a trusted investment option for individuals seeking a safe and stable way to grow their wealth. For those with substantial funds, such as Rs. 4 crores, FDs offer an excellent opportunity to earn assured returns while preserving capital. 


This article delves into the monthly income possibilities and the latest interest rates for an FD of Rs. 4 crores, with a special focus on how Bajaj Finance Fixed Deposit can be a secure and high-yielding choice.


Note: The maximum investment amount in a Bajaj Finance FD is Rs. 3 crore.

Monthly interest payout on a fixed deposit of Rs. 4 crores

Here's a representation of the monthly interest payout on a fixed deposit, which depends on the tenure and the interest rate offered. Below is a table showcasing the potential monthly payouts for a Rs. 4 crore FD across varying interest rates:

Interest Rate (p.a.)Monthly Payout (Rs.)
6.00%2,00,000
6.50%2,16,666
7.00%2,33,333
7.50%2,50,000
8.00%2,66,666
8.50%2,83,333
9.00%3,00,000

Although the maximum investment amount in a Bajaj Finance FD is Rs. 3 crore, but with an interest rate of 7.75% offered by Bajaj Finance Fixed Deposit for senior citizens, the monthly payout on a Rs. 4 crore FD would be approximately Rs. 2,43,333, Open FD!


 

Rs. 4 crores fixed deposit schemes

Investing Rs. 4 crores in a fixed deposit requires careful consideration of the tenure, interest rates, and payout options. Here are some key features of FD schemes available in the market:

  • Flexible Tenures: Most financial institutions, including Bajaj Finance, offer flexible tenures ranging from 12 to 60 months, allowing investors to align their investment with their financial goals.
  • Attractive Interest Rates: Interest rates for FDs vary based on the tenure and the type of investor (e.g., senior citizens often receive higher rates). 
  • Payout Options: Investors can choose between cumulative FDs (interest is paid at maturity) or non-cumulative FDs (interest is paid monthly, quarterly, half-yearly, or annually).
  • High Credit Safety Ratings: Bajaj Finance Fixed Deposit is rated CRISIL AAA/STABLE and [ICRA]AAA(Stable), ensuring the safety of your investment.
  • Eligibility: Both resident individuals and NRIs can invest in FDs, provided they meet the eligibility criteria and submit the required documents, including ID proof, address proof, and PAN card.

Conclusion

Investing Rs. 4 crores in a fixed deposit is an excellent way to secure your financial future and generate steady monthly income. With its competitive interest rates, flexible tenures, and high safety ratings, Bajaj Finance Fixed Deposit emerges as a reliable and lucrative option for investors seeking guaranteed returns.


Whether you are a retiree looking for consistent income or an investor aiming to diversify your portfolio, a Bajaj Finance Fixed Deposit offers the perfect blend of safety and returns. Secure your investments today with returns up to 7.75% p.a. on FDs with maximum investment value of Rs. 3 crore. Enjoy peace of mind knowing your wealth is in safe hands!

Frequently Asked Questions

What are the tax implications on the interest earned from an FD of Rs. 4 crores?

Interest earned from an FD is taxable under the Income Tax Act, 1961. If the annual interest exceeds Rs. 40,000, a 10% Tax Deducted at Source (TDS) is applicable for individuals with a PAN card. For senior citizens, TDS is applicable only if the annual interest exceeds Rs. 50,000. Without a PAN card, TDS is deducted at 20%.

What documents are required to open an FD of Rs. 4 crores?

To open an FD of Rs. 4 crores, you will need the following documents:

  • Identity proof (e.g., Aadhaar card, Passport, Voter ID).
  • Address proof (e.g., utility bill, passport).
  • PAN card.
Are there penalties for premature withdrawal of an FD of Rs. 4 Crores with monthly interest payouts?

Yes, premature withdrawal of an FD can attract penalties. If withdrawn within 3–6 months, no interest will be paid. For withdrawals after six months, the applicable interest rate will be reduced by 2%. It is recommended to check the terms and conditions before opting for premature withdrawal.

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.

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