Monthly Interest Rates on Rs. 50,000 Fixed Deposit

Fixed Deposits aren’t just safe—they can generate monthly income too. Find out how much interest you can earn every month by investing Rs. 50,000 in an FD, and what factors influence your returns.
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Rs. 50,000 FD
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4 mins
18-June-2025

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.

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Up to 0.35% p.a. extra interest offered for senior citizens
  5. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

Taxation on the 50,000 FD interest rate

Interest earned on FDs is taxable as per your income tax slab. Here's what you should know:

  • TDS at 10% is deducted if annual interest crosses Rs. 50,000 (Rs. 1,00,000 for senior citizens).
  • No PAN provided? TDS is deducted at 20%.
  • Senior citizens can claim deductions up to Rs. 1,00,000 under Section 80TTB.

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

Premature withdrawal of an Rs. 50,000 FD leads to a penalty, which varies by bank and tenure. Generally, banks impose a 0.5% to 1% lower interest rate than the agreed rate. Some banks may also charge an additional fee, reducing the total earnings.

No need to break your FD in emergencies. Bajaj Finance offers loans against FD—borrow instantly without losing your interest or principal.

Benefits of investing in fixed deposit

1. Safety and stability

Fixed deposits are renowned for their safety and stability in the financial market. When you invest in an FD, your principal amount is safeguarded, and the returns are fixed. This makes FD a preferred choice for risk-averse investors. This stability is particularly valuable during economic uncertainties or volatile market conditions.

2. Flexible tenure

Fixed deposits offer flexibility in choosing the tenure of the investment. Investors can opt for short-term or long-term deposits based on their financial goals and liquidity needs. This flexibility makes FDs adaptable to various life stages and financial planning requirements. Bajaj Finance offers tenure from 12 months to 60 months on their FD.

3. Liquidity

While fixed deposits come with a fixed tenure, they also provide a degree of liquidity. In case of unforeseen financial needs, investors can opt for premature withdrawal, although it may attract a penalty, check with your financial institution before investing. Bajaj Finance offers loan against FD, so that you don’t need to prematurely break your FD.

4. Diversification of portfolio

Investing in fixed deposits is a great way to diversify your investment portfolio. FD are generally considered low risk and provides fixed returns. This can help in balancing out riskier investments like stocks or mutual funds.

Get higher rates as a senior citizen
Senior citizens earn up to 0.35% more on Bajaj Finance FDs—great for monthly retirement income. Check latest rates.

Fixed deposit variants

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
Recommended

Fixed Deposit - 60 Months

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Age below 60

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Minor

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - HUF

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
6.95% p.a.
Open FD

Factors that influence FD rates

1. Repo rate

The Repo rate set by the Reserve Bank of India (RBI) plays a significant role in determining FD rates. When the Repo rate is high, financial institutions may offer higher FD rates to attract more funds from investors.

2. Maturity period

FD rates often vary based on the duration of the fixed deposit. Generally, long-term deposits can offer higher interest rates. Bajaj Finance provides up to 7.30% p.a. on their FD for the tenure of 60 months.

3. Competition

Market competition among financial institutions is a crucial factor. Institutions compete to attract depositors by offering more attractive interest rates. Therefore, FD rates may vary between financial institutions as they strive to secure deposits.

4. Liquidity needs

The liquidity requirements of a bank can impact FD rates. If a bank needs more funds to meet its lending requirements, it might raise FD rates to attract deposits. Conversely, if a bank has excess liquidity, it may lower FD rates.

5. Age

Many financial institutions offer higher FD rates for senior citizens. Before investing, individuals should check for age-specific benefits that can increase their returns. Bajaj Finance offers up to 0.35% p.a. higher interest rate to senior citizens.

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.

Pro tip

Bajaj Finance offers attractive Fixed Deposit interest rates of up to 6.95% p.a. for non-senior citizens, and up to 7.30% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.35% p.a.

systematic-deposit-plan-pro-tip-banner

Conclusion

A Rs. 50,000 Fixed Deposit is more than just a safe haven—it’s a steady income generator. Whether you're starting small or diversifying your savings, an FD gives you predictable returns, tax benefits, and flexibility. Bajaj Finance FDs enhance this experience with competitive rates, flexible tenure options, and easy online investing.

Check monthly interest rates on your fixed deposits

Monthly Interest for a Rs. 15000 FD

Monthly Interest for a Rs. 10 Lakh FD

Monthly Interest for a Rs. 6 Lakh FD

Monthly Interest for a Rs. 1.5 Crore FD

Monthly Interest for a Rs. 80 Lakh FD

Monthly Interest for a Rs. 35 Lakh FD

Monthly Interest for a Rs. 4 Lakh FD

Monthly Interest for a Rs. 1 Crore FD

Monthly Interest for a Rs. 40 Lakh FD

Monthly Interest for a Rs. 2 Crore FD

Monthly Interest for a Rs. 3 Crore FD

Monthly Interest for a Rs. 5 Lakh FD

Frequently asked questions

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

To earn Rs. 50,000 per month from an FD, you need to consider the interest rate offered. For example, at an 8% annual interest rate, you'd need an FD of around Rs. 75 lakhs. The exact amount varies with the interest rate and compounding frequency.

Can I deposit Rs. 50,000 in FD?

Yes, you can deposit Rs. 50,000 in a fixed deposit with most banks and financial institutions. The interest rate depends on the tenure and the bank’s policies. If the annual interest earned exceeds the exemption limit, TDS may be applicable. Senior citizens may get higher interest rates on their FD investments.

Can I start a fixed deposit with just Rs. 50,000?

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

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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.