4 mins
23-July-2025

A 1 Crore fixed deposit (FD) is a reliable option for investors seeking steady, risk-free returns. The 1 Crore FD interest per month depends on factors like tenor, payout type, and age, offering assured earnings without market fluctuations.

Let’s have a look at how much you can earn if you invest Rs. 1 crore in an FD with Bajaj Finance.

Monthly income per month on a 1 crore FD with Bajaj Finance

If you invest 1 crore in fixed deposit, your income per month will depend on the type of FD you choose- cumulative or non-cumulative. Let’s look at the expected monthly earnings from both these types of FDs with Bajaj Finance:

Bajaj Finance Non-Cumulative Fixed Deposits - Rs. 1 crore FD interest per month

Considering:
Investment Rs. 1 crore for 36 months tenure

 

Investor Category

Applicable Interest Rate

Total Interest Payout on monthly interest option

Scenario 1

Non-senior citizen investing offline/ online

up to 6.74% p.a.

Rs. 20,23,029

Scenario 2

Senior citizen investing online/ offline

up to 7.07% p.a.

Rs. 21,22,080


This is the calculation for 1 crore interest per month on Bajaj Finance Non-cumulative FD. Refer to the next table for Cumulative Fixed Deposit interest calculation.

Bajaj Finance Cumulative Fixed Deposit:

Considering:
Investment Rs. 1 crore for 36 months tenure

 

Investor Category

Applicable Interest Rate

Total Interest Payout

Scenario 1

Non-senior citizen investing offline/ online

up to 6.95% p.a.

Rs. 22,34,478

Scenario 2

Senior citizen investing online/ offline

up to 7.30% p.a.

Rs. 23,55,044


You can earn more from a 1 crore FD interest if you opt for a cumulative FD. This is because cumulative FD offers you the benefit of compounding, giving interest not only on the principal but also on the interest that gets added to the principal amount periodically.
You can use the Bajaj Finance FD calculator to get insight into the returns on your investment.

Additional Reads: How much monthly interest can a 5 crore FD earn?

Tax on FD of Rs. 1 Crore

Before investing Rs. 1 Crore in a fixed deposit, it’s important to assess the tax impact and calculate your net earnings. Here's what you should know:

  • Banks and NBFCs deduct Tax Deducted at Source (TDS) if total interest income exceeds Rs. 50,000 in a financial year.
  • For senior citizens, the threshold is higher at Rs. 1,00,000 annually.
  • If PAN details are submitted, TDS is deducted at 10%.
  • Without PAN, the TDS rate increases to 20%.
  • You can submit Form 15G or 15H to avoid TDS if your total income is below the taxable limit.
  • Tax-saving FDs offered by banks qualify for deductions under Section 80C of the Income Tax Act—up to Rs. 1.5 lakh in a financial year.

 Benefits of Fixed Deposit with Bajaj Finance

The benefits of Fixed Deposit with Bajaj Finance include:

  • You can start with investing an amount as small as Rs. 15,000 with Bajaj Finance.
  • You can get higher FD rates than bank FDs i.e: up to 7.30% p.a.
  • You get the freedom to choose the tenor of your investment as per your financial goals. This tenor can be anywhere between 12 to 60 months.
  • Senior citizens can earn up to 0.35% p.a. higher interest compared to regular fixed deposits.

How to invest in Bajaj Finance FD?

The FD investment process with Bajaj Finance is simple and quick. To make an FD online with Bajaj Finance, follow the below-given steps:

  1. 1 Open the account opening form by clicking on the option ‘Invest Online’
  2. 2 Enter your date of birth, phone number, and OTP
  3. 3 Enter your basic KYC details if you are a new customer. If you are an existing customer, you simply need to verify your details.
  4. 4 Enter the amount, tenor for investment, payout type, and bank details
  5. 5 Pay the deposit amount using UPI or net banking
  6. 6 Once your payment is successful, within 15 minutes you will be sent an acknowledgement via SMS and email

Invest in to get maximum secured and safe returns on your precious savings.

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 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 Rs. 50,000 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. 70 Lakh FD

Frequently asked questions

Is 1 crore FD taxable?

Yes, the interest earned on a 1 crore FD (Fixed Deposit) is taxable. This interest income is added to your overall income for the financial year and taxed according to your income tax slab.

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