Keeping your savings idle might feel safe—but it's not the smartest move financially. Inflation silently reduces the value of your money over time. That’s where Fixed Deposits (FDs) come in. With assured returns and zero market risk, an FD can help your money grow while providing a consistent income.
If you're looking for a low-risk investment that pays you regularly, parking Rs. 50,000 in a non-cumulative FD is a great choice. Here’s a detailed breakdown of how much monthly income you can generate—and why Bajaj Finance FDs make this even more rewarding.
Earn up to 7.30% 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
To estimate monthly interest, let’s consider a few sample interest rates. The formula is simple: divide the annual interest rate by 12 and apply it to the deposit amount.
Here the table showing how much interest you can earn at different interest rates if you invest Rs. 50,000 in a FD
| Fixed Deposit Amount | Interest rate (p.a.) | Interest per month |
| Rs. 50,000 | 6% | Rs. 250.00 |
| Rs. 50,000 | 6.50% | Rs. 270.83 |
| Rs. 50,000 | 7% | Rs. 291.67 |
| Rs. 50,000 | 7.50% | Rs. 312.50 |
| Rs. 50,000 | 8% | Rs. 333.33 |
| Rs. 50,000 | 8.50% | Rs. 354.17 |
| Rs. 50,000 | 9% | Rs. 375.00 |
| Rs. 50,000 | 9.50% | Rs. 395.83 |
| Rs. 50,000 | 10.00% | Rs. 416.67 |
Use the FD Calculator to get personalised monthly earnings based on your tenure and interest rate.
Invest just once and get monthly income for up to 5 years!
With Bajaj Finance’s non-cumulative FD, you can choose tenures of up to 60 months and receive monthly interest—ideal for steady income with no surprises. Invest now.
Interest Payout on Rs. 50,000 FD Based on Tenure
The interest earned on a Rs. 50,000 fixed deposit depends on the tenure and applicable interest rate. Longer tenures generally offer higher returns due to compounding benefits. Below is an illustrative table based on typical FD rates:
| Tenure | Interest Rate (p.a.) | Maturity Amount (Approx.) |
|---|---|---|
| 1 Year | 6.50% | Rs. 53,250 |
| 3 Years | 7.00% | Rs. 61,250 |
| 5 Years | 7.50% | Rs. 71,800 |
Note: Rates are indicative and may vary by financial institution. These calculations are illustrations; actual numbers might vary.
How to Calculate Interest on a Fixed Deposit of Rs. 50,000
Interest on a fixed deposit is usually calculated using the compound interest formula:
A = P (1 + r/n)^(nt)
Where:
- P = Principal (Rs. 50,000)
- r = Annual interest rate
- n = Number of compounding periods per year
- t = Tenure in years
Example:
If you invest Rs. 50,000 for 3 years at 7% p.a., compounded quarterly:
A = 50,000 × (1 + 0.07/4)^(4×3)
A ≈ Rs. 61,250
So, the interest earned is approximately Rs. 11,250 over 3 years.
This calculation helps estimate returns and compare FD options before investing.
Note: Rates are indicative and may vary by financial institution. These calculations are illustration, actual numbers might vary.
