Monthly Interest Rates on Rs. 50,000 Fixed Deposit

Understand how much you can earn on Rs. 50,000 FD.
Rs. 50,000 FD
4 mins
16 July 2024

Fixed Deposits (FD) are a common and reliable investment choice known for their stability and assured returns. In this article, we will discuss, benefits of investing in FD, factors that influence FD rates and how much monthly interest can be earned by investing Rs. 50,000 in an FD.

What is fixed deposit?

A fixed deposit (FD) is a financial instrument offered by financial institutions (banks and NBFC) where individuals deposit a lump sum amount for a fixed tenure at a predetermined interest rate. FD provides a stable and secure avenue for individuals to park their funds and earn a fixed return over a specified period. The principal amount, along with the accrued interest, is paid back to the investor at the end of the maturity period.

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.

Pro tip

Enjoy higher interest rate with Bajaj Finance Digital FD. Unlock returns of up to 8.65% p.a. by investing for 42 months via website and app.

How much interest can you earn on a Rs. 50,000 FD

To estimate the monthly interest on Rs. 50,000 FD, let us consider a hypothetical interest rate of 8.6% per annum, so the monthly interest earned would be Rs. 358.33

Here the table showing how much interest you can earn at different interest rates if you invest Rs. 50,000 in a FD.


Interest rate (p.a.)

Interest per month

Rs. 50,000


Rs. 250.00

Rs. 50,000


Rs. 270.83

Rs. 50,000


Rs. 291.67

Rs. 50,000


Rs. 312.50

Rs. 50,000


Rs. 333.33

Rs. 50,000


Rs. 354.17

Rs. 50,000


Rs. 375.00

Rs. 50,000


Rs. 395.83

Rs. 50,000


Rs. 416.67

Explore investment options and make informed decisions. Secure your future by using our tool to calculate FD returns.

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 8.65% p.a. on their FD for the tenure of 42 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 0.40% p.a. higher interest rate to senior citizens.

What is Bajaj Finance Digital FD?

Bajaj Finance has launched a new FD called “Bajaj Finance Digital FD” for the tenure of 42 months. You can book this FD exclusively on Bajaj Finserv app and website. Bajaj Finance is offering one of the highest interest rate on their FD of up to 8.65% p.a. for senior citizens and for the customers below 60 years of age the interest rate is up to 8.40% p.a.


By understanding how monthly much interest can be earn on Rs. 50,000 fixed deposit is important for making an informed financial decision. Fixed deposits offer a secure way to invest and provide steady returns. By understanding the factors that affect returns and considering different scenarios, you can make informed decision about your investment.

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.

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

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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
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.