For those seeking to invest a significant sum, such as Rs. 5 crore, Fixed Deposits (FDs) represent a premier selection for secure investments that generate appealing interest returns. FDs are a prudent choice for achieving various financial objectives, whether short-term or long-term. Moreover, you have the flexibility to select your preferred interest payout frequency for your Rs. 5 crore FD, whether it's on a monthly, quarterly, semi-annual, annual, or maturity basis.
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 Rs. 5 crores FD interest, you can choose this FD.
Let us show you the interest calculation for Rs. 5 crore FD using Bajaj Finance FD online calculator in different scenarios.
Monthly Interest Payout on Rs. 5 crore Fixed Deposit
| Deposit Amount | Interest Rate (p.a.) | Monthly Interest Payout |
| Rs. 5 Crore | 6.00% | Rs. 2,50,000 |
| Rs. 5 Crore | 6.50% | Rs. 2,70,833 |
| Rs. 5 Crore | 7.00% | Rs. 2,91,667 |
| Rs. 5 Crore | 7.50% | Rs. 3,12,500 |
| Rs. 5 Crore | 8.00% | Rs. 3,33,333 |
| Rs. 5 Crore | 8.50% | Rs. 3,54,167 |
| Rs. 5 Crore | 9.00% | Rs. 3,75,000 |
| Rs. 5 Crore | 9.50% | Rs. 3,95,833 |
| Rs. 5 Crore | 10.00% | Rs. 4,16,667 |
Monthly Interest Rate for Rs. 5 Crore Fixed Deposit
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 | Tenure | Interest rate | Interest earnings | Total earnings |
| Rs. 5 Crore | 12 months | 7.16% p.a. | Rs. 35,80,000 | Rs. 5,35,80,000 |
| Rs. 5 Crore | 24 months | 7.53% p.a. | Rs. 75,30,000 | Rs. 5,75,30,000 |
| Rs. 5 Crore | 36 months | 7.81% p.a. | Rs. 1,17,15,000 | Rs. 6,17,15,000 |
| Rs. 5 Crore | 44 months | 7.95% p.a. | Rs. 1,45,75,000 | Rs. 6,45,75,000 |
| Rs. 5 Crore | 60 months | 7.81% p.a. | Rs. 1,95,25,000 | Rs. 6,95,25,000 |
Senior citizens investing in an FD:
| Deposit Amount | Tenure | Interest rate | Interest earnings | Total earnings |
| Rs. 5 Crore | 12 months | 7.39% p.a. | Rs. 38,25,000 | Rs. 5,38,25,000 |
| Rs. 5 Crore | 24 months | 7.91% p.a. | Rs. 79,10,000 | Rs. 5,79,10,000 |
| Rs. 5 Crore | 36 months | 8.05% p.a. | Rs. 1,20,75,000 | Rs. 6,20,75,000 |
| Rs. 5 Crore | 44 months | 8.19% p.a. | Rs. 1,50,15,000 | Rs. 6,50,15,000 |
| Rs. 5 Crore | 60 months | 8.05% p.a. | Rs. 2,01,25,000 | Rs. 7,01,25,000 |
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 0.40% p.a..
How to increase FD returns?
The primary deciding factors to calculating FD returns are the invested amount, the tenor, and the interest payout intervals:
- The higher the investment amount, the higher the interest rate, which is already high in your FDs of Rs. 5 crores.
- The longer the FD tenure, the higher the interest rate. Bajaj Finance offers flexible tenure options. You can invest for 12-60 months.
- 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
- Flexible tenure ranging from 12-60 months
- Highest Safety Ratings by CRISIL (FAAA) and ICRA (MAAA)
- High FD interest rate - up to 8.85% p.a. for a tenure of 42 months
- Additional 0.40% p.a. interest rate for senior citizens over regular rates
- Easy online process for opening a FD and hassle-free investment management through the My Account customer portal
- Loan against fixed deposit facility for the need of emergency fund without disturbing the corpus deposited
