Monthly Interest Rates on Rs. 50,000 Fixed Deposit

Monthly Interest Rates on Rs. 50,000 Fixed Deposit

A Rs. 50,000 Bajaj Finance Fixed Deposit provides monthly interest between Rs. 289 and Rs. 1637.5 for customers below 60. Senior citizens can receive between Rs. 300 and Rs. 1750 monthly, depending on their selected tenure under applicable 2026 rates.

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  • In summary

    Monthly interest on a Rs. 50,000 Fixed Deposit depends on the tenure, investor category, and applicable non-cumulative payout rate.

    • Customers below 60 receive monthly payout rates between 6.60% and 7.49%p.a.
    • Senior citizens receive monthly payout rates between 6.97% and 7.86% p.a.
    • The highest monthly payout is approximately Rs. 1600 for customers below 60.
    • The highest monthly payout is approximately Rs. 1700 for senior citizens.
    • Bajaj Finance Fixed Deposit offers tenures ranging from 12 to 60 months.
    • Interest remains taxable, although TDS depends on applicable thresholds and the investor’s total interest income.

    These calculations use the official rates effective from w.e.f 07 October, 2026 and show estimated monthly income before applicable taxes.


    Earn up to 8.15% p.a. returns on an FD of Rs. 50,000! With Bajaj Finance, you can opt for monthly, quarterly, half-yearly, yearly or at maturity payout options, depending on your needs. Turn your idle savings into a passive income stream. Open FD.

  • FD monthly interest Pay-out for deposits of Rs. 50,000

    The following calculations use the Bajaj Finance Fixed Deposit rates effective from w.e.f 07 October, 2026

    The monthly interest formula is:

    Monthly interest = Deposit amount × Annualised monthly payout rate ÷ 12

    Interest Payout on Rs. 50,000 FD Based on Tenure (for customers above 60)
    TenureInterest Rate (p.a.)Maturity Amount (Approx.)
    1 Year6.97% p.a.53,485
    3 Years7.86% p.a.61,790
    5 Years7.86% p.a.69,650

    The advertised rate of 8.15% p.a. applies to eligible senior citizens selecting an at-maturity payout, not a monthly payout.

    Use the Fixed Deposit calculator to estimate returns according to your deposit amount, tenure, age category, and payout frequency.

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Interest Payout on Rs. 50,000 FD Based on Tenure

Avoid these mistakes while booking FD
 

Avoid these mistakes while booking FD

  • The following table shows total interest and ROI for a customer below 60 selecting monthly payouts throughout the illustrated tenure.

    Investment amount Rs. 500,00 for non senior citizen   
    TenureInterest rateMonthly interestTotal interest
    12 months6.60% p.a.Rs. 275Rs. 3,300
    24 months6.79% p.a.Rs. 283Rs. 6,792
    36 months7.49% p.a.Rs. 312Rs. 11,235
    60 months7.49% p.a.Rs. 312Rs. 18,725

    ROI = Total interest earned ÷ Rs. 50,000 × 100

    The 35.80% figure represents the total pre-tax ROI over 60 months, rather than an annual return of 35.80%.

    Monthly payouts do not compound because the interest is paid to the investor instead of remaining invested within the Fixed Deposit.


    How to Calculate Interest on a Fixed Deposit of Rs. 50,000?

    For a monthly payout Fixed Deposit, calculate interest using the annualised monthly payout rate, rather than the cumulative at-maturity rate. Suppose a customer below 60 invests Rs. 50,000 for 60 months at the applicable monthly payout rate of 7.49% p.a.


    Annual interest = Rs. 50,000 × 7.16% = Rs. 3,580

    Monthly interest = Rs. 3,580 ÷ 12 = Rs. 298.33

    Total interest over 60 months = Rs. 3,580 × 5 = Rs. 17,900

    Total ROI = Rs. 17,900 ÷ Rs. 50,000 × 100 = 35.80%


    The investor receives approximately Rs. 298.33 monthly and the Rs. 50,000 principal at maturity, subject to applicable deposit conditions.

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Taxation on the 50,000 FD interest rate

  • Interest earned from a Fixed Deposit is added to taxable income and taxed according to the investor’s applicable income-tax slab. For an NBFC deposit, TDS generally applies when aggregate annual interest exceeds Rs. 10,000 under the currently applicable threshold. TDS is generally deducted at 10% when valid PAN details are available and 20% when PAN details are unavailable. A single Rs. 50,000 deposit earning these rates generates less than Rs. 10,000 annually, but other deposits with the issuer also count. Eligible investors may submit Form 15G or Form 15H when they satisfy the applicable conditions for receiving interest without TDS.


    Penalty for withdrawing an Rs. 50,000 FD before maturity

    Premature withdrawal can reduce the interest received, so investors should review their liquidity requirements before choosing an investment tenure.

    Withdrawal periodApplicable treatment
    Within three monthsGenerally not permitted, except after the depositor’s death or where RBI rules allow
    After three months and within six monthsPrincipal is returned without interest
    After six months and before maturityInterest is generally 2% p.a. below the rate applicable for the completed tenure
    No rate available for completed tenureInterest is generally 3% p.a. below the minimum rate offered

    Investors can request premature withdrawal through the Bajaj Finance service portal, subject to verification and applicable terms.


    Benefits of investing in fixed deposit

    1. Safety and stability

    Bajaj Finance Fixed Deposit offers assured returns unaffected by market movements and carries CRISIL AAA/STABLE and [ICRA]AAA(Stable) ratings. These ratings indicate high credit stability, but investors should still understand the issuer’s terms before completing their investment.

    2. Flexible tenure

    Investors can select a tenure between 12 and 60 months according to their financial goals and expected liquidity requirements. They can also choose monthly, quarterly, half-yearly, annual, or at-maturity interest payouts while booking their Fixed Deposit.

    3. Liquidity

    Premature withdrawal is available under specified conditions, although withdrawing early can result in reduced interest or no interest. A loan against Fixed Deposit may also provide liquidity, with the available amount depending on the deposit type and applicable conditions.

    4. Diversification of portfolio

    A Fixed Deposit can form the assured-return component of a broader financial plan while providing stability against market-linked fluctuations. However, diversification should reflect the investor’s financial goals, time horizon, liquidity needs, and overall capacity for risk.


    Get higher rates as a senior citizen

    Senior citizens earn up to 0.40% more on Bajaj Finance FDs—great for monthly retirement income. Check latest rates.

  • Factors that influence FD rates

    1. Repo rate

    Changes in the RBI repo rate can influence market borrowing costs and the wider interest-rate environment affecting deposit pricing.

    However, financial institutions also consider funding requirements, market competition, liquidity, and business conditions when setting their rates.

    2. Maturity period

    Bajaj Finance Fixed Deposit rates vary across tenure bands rather than increasing uniformly with every additional month invested.

    For monthly payouts, the highest current rate applies to tenures from 31 to 60 months under the 2026 rate structure.

    3. Competition

    Financial institutions may revise deposit rates according to market competition, funding strategies, and prevailing rates offered by comparable issuers.

    4. Liquidity needs

    An institution may adjust its deposit rates according to its funding requirements, liquidity position, and broader market conditions.

    5. Age

    Senior citizens aged 60 years or above receive rates up to 0.40% p.a. higher under Bajaj Finance Fixed Deposit.


    Start your FD online in just a few clicks.


    No paperwork, no branch visits. Book your Bajaj Finance FD online with a few simple steps. Open FD.

  • What to know before investing in a Rs. 50,000 Fixed Deposit?

    Before investing, compare the payout frequency, applicable interest rate, taxation, premature withdrawal rules, and credit ratings of the issuer.

    1. Liquidity needs

    Keep adequate emergency savings outside the Fixed Deposit if you may require immediate access to money during the selected tenure.

    2. Tax implications

    Calculate post-tax income because the monthly amount displayed before tax may exceed the amount you retain after income-tax liability.

    3. Interest rate comparison

    Compare like-for-like rates because cumulative, monthly, quarterly, half-yearly, and annual payout options can carry different annualised rates.

    4. Issuer’s reputation

    Review the issuer’s credit ratings, repayment record, deposit conditions, and regulatory disclosures before making your investment decision.


     

  • Conclusion

    A Rs. 50,000 Bajaj Finance Fixed Deposit can provide monthly income ranging from Rs. 267.08 to Rs. 312.08 before tax. The exact amount depends on tenure and whether the investor qualifies for the Senior Citizen FD interest-rate benefit. For 31 to 60 months, customers below 60 receive approximately Rs. 298.33 monthly, while senior citizens receive approximately Rs. 312.08. Check current rates and calculate post-tax returns before selecting your tenure, payout frequency, and investment amount.

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Check out different FD Rates

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Frequently Asked Questions

Overview

How much FD is required to get 50,000 per month?

At 7.49% p.a., approximately Rs. 83.80 lakh is required, while senior citizens need approximately Rs. 80.11 lakh at 7.86% p.a.

Can I deposit Rs. 50,000 in FD?

Yes, Rs. 50,000 exceeds the minimum Bajaj Finance Fixed Deposit requirement of Rs. 15,000.


Why is it important to understand how fixed deposit interest is calculated?

Absolutely. Bajaj Finance allows you to start an FD with as little as Rs. Rs. 15,000 Rs. 50,000 is a great amount to begin generating steady monthly income. Open FD.

What is the FD rate for 5 years?

Bajaj Finance FD rates for 5 years or 60 months are up to 7.75% p.a. for senior citizens and up to 8.15% for customers below the age of 60 currently.

What is the interest rate for a Rs. 50,000 FD in the Post Office for 10 years?

Currently, the Post Office does not offer a 10-year fixed deposit scheme. The longest tenure available under the Post Office Time Deposit scheme is 5 years, which provides an interest rate of 7.50% per annum. This rate applies equally to both general investors and senior citizens. Therefore, if you invest ₹50,000 in a Post Office FD for 5 years, it will earn interest at 7.50% p.a., but there is no provision for a 10-year FD at present.

How much to invest to get Rs. 50,000 per month?

The investment amount required to earn Rs. 50,000 monthly depends on the expected rate of return, investment tenure, and chosen financial instrument or income plan.

What are the current FD interest rates for a ₹50,000 investment?

FD interest rates currently vary by bank and tenure, generally ranging from around 2.5% to 8.5% p.a. A ₹50,000 investment could therefore earn different returns depending on the selected FD. For example, at 7% p.a., annual interest would be approximately ₹3,500 before tax.

Can I use FD interest rates as a reference for personal loan rates?

No, deposit and borrowing rates are priced separately using different risk, cost, tenure, and credit-assessment factors.


 

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1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (BAJAJ FINANCE) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

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