How much interest can you earn on a 5 Crore FD

Fixed Deposit (FD) is one of the top preferences for safe investment opportunities and earning attractive interest income. FDs are a smart investment option as they support investors to meet their short-term and long-term financial goals. It is your choice to receive interest on your FD as a monthly, quarterly, half-yearly, yearly payout, or on the maturity date.

You can select from the two types of fixed deposits - cumulative fixed deposit and non-cumulative fixed deposit.

  • A non-cumulative FD is suitable for investors who want a source of regular income, typically monthly interest payouts. You can opt for this type of FDs for monthly interest on five crores fixed deposit.
  • On the other hand, a cumulative FD is the choice of investors with long-term financial goals and those who want safety plus the growth of their funds in the long run. With these FDs, you will get your principal amount with the entire interest earned during the FD tenor on the maturity date only. For a lump sum amount of 5 crores FD interest, you can choose this FD.

Let us show you the interest calculation for 5 crores FD using Bajaj Finance FD online calculator in different scenarios.

What is the FD interest for five crores?

For an easy understanding of interest calculations, refer to the following tables for both types of Fixed Deposits.

Following are the calculations of interest earnings for five crore fixed deposit for senior citizens and citizens aged below 60:

Citizens aged below 60 investing in an FD:

Deposit amount

Tenor

Interest rate

Interest earnings

Total earnings

Rs. 5 Crore

12

months

5.75% p.a.

Rs. 28,25,000

Rs. 5,28,25,000

Rs. 5 Crore

24

months

6.40% p.a.

Rs. 66,04,341

Rs. 5,66,04,341

Rs. 5 Crore

36 months

7.00% p.a.

Rs. 1,09,09,322

Rs. 6,09,09,322

Rs. 5 Crore

48 months

7.00% p.a.

Rs. 1,50,51,155

Rs. 6,50,51,155

Rs. 5 Crore

60 months

7.00% p.a.

Rs. 1,94,74,634

Rs. 6,94,74,634

Senior citizens investing in an FD:

Deposit amount

Tenor

Interest rate

Interest earnings

Total earnings

Rs. 5 Crore

12

months

6.00% p.a.

Rs. 29,50,000

Rs. 5,29,50,000

Rs. 5 Crore

24

months

6.65% p.a.

Rs. 68,70,635

Rs. 5,68,70,635

Rs. 5 Crore

36 months

7.25% p.a.

Rs. 1,13,38,058

Rs. 6,13,38,058

Rs. 5 Crore

48 months

7.25% p.a.

Rs. 1,56,62,391

Rs. 6,56,62,391

Rs. 5 Crore

60 months

7.25% p.a.

Rs. 2,02,91,589

Rs. 7,02,91,589


You must have noticed that returns from the cumulative fixed deposit are higher than non-cumulative ones because you are not withdrawing your interest amount periodically. It will remain invested and compound till the maturity date. Whereas, in the case of non-cumulative FD, you get monthly interest payouts that leave less money remaining for compounding.

In both cases, non-cumulative and cumulative FDs with Bajaj Finance, senior citizens get an advantage of an additional interest rate of up to 0.25% p.a..

How to increase FD returns?

The primary deciding factors for calculating FD returns are the invested amount, the tenor, and the interest payout intervals:

  1. The higher the investment amount, the higher the interest rate, which is already high in your FDs of 5 crores.
  2. The longer the FD tenor, the higher the interest rate. Bajaj Finance offers flexible tenor options. You can invest for 12-60 months.
  3. The higher the compounding period, the higher the interest rate and, thus, interest amount. It means the interest amount will be higher if you choose for half-yearly interest payouts than monthly interest payouts.

Advantages of Bajaj Finance FD

  1. Flexible tenor ranging from 12-60 months.
  2. Highest Safety Ratings by CRISIL (FAAA) and ICRA (MAAA).
  3. Higher- FD interest rate than bank FDs - up to 7.25% p.a.
  4. Additional interest rate to senior citizens.
  5. Easy online process and doorstep document collection to start an FD.
  6. Loan against fixed deposit facility.
Read More Read Less