₹50 Lakh Fixed Deposit (FD)

Note: The monthly interest payouts provided are for reference only. Your actual returns may vary based on the policies of the bank or NBFC.

A ₹50 lakh fixed deposit offers unmatched financial security and steady, guaranteed returns—ideal for risk-averse individuals. It ensures full capital protection, shielding your principal from market volatility while providing a fixed rate of return throughout the tenure.

Key advantages include:

• Guaranteed returns & capital safety – Immune to market fluctuations, offering peace of mind
• Preferential interest rates – Larger deposits often attract better rates from top institutions
• Perfect for goal-based planning – Supports retirement, children’s education, or property investment
• Predictable returns – Enables accurate financial forecasting and budgeting
• Loan facility – Most banks offer loans against FD at low interest premiums for emergency liquidity
• Senior citizen benefits – Higher interest rates maximise returns for older investors
• DICGC insurance – Covers up to ₹5 lakh per bank, offering additional protection

With a combination of reliability, flexibility, and potential for higher earnings, a ₹50 lakh FD is a smart choice for building long-term financial stability.

A ₹50 lakh fixed deposit comes with distinctive features that differentiate it from smaller investment amounts.

• Preferential interest rates: High-value deposits often earn better rates as banks reward significant investments.
• Flexible tenure options: Choose from 7 days to 10 years based on your financial goals.
• Cumulative or non-cumulative options:
  • Cumulative: Interest compounded quarterly for higher maturity returns
  • Non-cumulative: Monthly, quarterly, or annual payouts—ideal for regular income
• Customised income flow: Structured interest payouts help match your cash flow needs—especially useful for retirees.
• Loan facility: Borrow up to 90% of your FD value without breaking it, ensuring liquidity during emergencies.

Premature withdrawal: Partial or full withdrawal allowed (subject to penalties), with large FDs often retaining original terms for the remaining balance.

Airtel Finance collaborates with leading financial institutions, offering competitive rates for substantial deposits. Through the Airtel Finance fixed deposit platform, you can access attractive interest rates from partner banks, including Bajaj Finserv, Utkarsh Small Finance Bank, and South Indian Bank.

Current market rates for ₹50 lakh FD interest typically range between 7.50% to 8.80% per annum, depending on the institution and tenure selected. Senior citizens enjoy additional benefits with rates often 0.25% to 0.50% higher than standard rates. Women depositors may also receive preferential treatment with enhanced interest rates.

₹50 lakh FD interest per month varies significantly based on the interest rate and payout frequency chosen. For non-cumulative deposits offering monthly interest payments, your returns provide steady monthly income streams ideal for meeting regular expenses or supplementing retirement income.

Remember that cumulative deposits compound interest quarterly, resulting in higher overall returns compared to regular payout options. Your choice between monthly income versus compounded growth depends entirely on your financial requirements and cash flow needs.

Selecting the appropriate ₹50 lakh fixed deposit type depends on your financial objectives, age, and income requirements.

• Cumulative FDs
  • Best for long-term wealth accumulation
  • Interest compounds quarterly and is paid at maturity
  • Ideal if you don’t need regular income
• Non-Cumulative FDs
  • Suitable for retirees or those needing regular payouts
  • Offers monthly, quarterly, or annual interest payments
  • Helps manage living expenses or supplement income
• Tax-Saver FDs
  • 5-year lock-in with tax benefits under Section 80C (up to ₹1.5 lakhs)
  • Offers guaranteed returns but lacks liquidity
  • Best for long-term tax planning

Choose your FD type based on your cash flow needs, tax strategy, and future financial plans.

Understanding potential returns helps you make informed investment decisions about your ₹50 lakh fixed deposit. Let's examine realistic scenarios based on current market rates and different investment tenures to illustrate your earning potential.

For monthly income seekers, an 8% non-cumulative deposit generates ₹33,333 monthly, totalling ₹4 lakhs annually. Over five years, you'd receive ₹20 lakhs in interest payments whilst retaining your original ₹50 lakh principal.

You can yield interest on a ₹50 lakh fixed deposit once you understand how maturity calculations work. The final amount primarily depends on the interest rate and tenure chosen.

• Longer tenures usually offer higher returns, though some banks provide attractive short-term options.
• Rates also vary by institution, with small finance banks and NBFCs often paying more than traditional banks.
• RBI repo rate changes directly influence FD rates across the sector.
• Senior citizens enjoy an additional 0.25%–0.75% benefit.
• Economic conditions like inflation and market trends also play a key role in determining interest earnings.

Fixed Deposit Interest & Return Calculator

FD calculators serve as essential tools for estimating your interest for a ₹50 lakh fixed deposit across different scenarios. These digital calculators help you compare various tenure and rate combinations before committing your funds.

The calculation process involves inputting three key variables:
• Principal amount (₹50 lakhs)
• Annual interest rate percentage
• Investment tenure in months or years

The standard compound interest formula used is: A = P (1 + r/n)^(n×t)

Where:
• A = Maturity amount
• P = Principal (₹50 lakhs)
• r = Annual interest rate (decimal format)
• n = Compounding frequency per year
• t = Tenure in years

Opening a fixed deposit account involves minimal eligibility requirements, making it accessible to diverse investor categories. Most financial institutions maintain straightforward criteria to encourage widespread participation in this secure investment option.

Eligible categories include:

• Age: 18 to 70 years for independent account opening

• Resident Indians: All adult citizens can open FDs independently, whilst minors require guardian assistance
• Senior citizens: Individuals aged 60 and above qualify for enhanced interest rates
• Hindu Undivided Families (HUFs): Can invest through the Karta's name
• Non-Resident Indians (NRIs): Eligible through specific NRI account types

Interest income from your ₹50 lakh fixed deposit attracts taxation under the Income Tax Act, requiring careful planning to optimise your post-tax returns.

Tax liability structure:

• TDS deduction: Banks deduct 10% TDS when annual interest exceeds ₹40,000 (₹50,000 for senior citizens)
  • Income tax slab: FD interest adds to your total taxable income and gets taxed according to your applicable slab rate
  • Form 15G/15H: Submit these forms to avoid TDS if your total income falls below the taxable limits

Consider tax-saving alternatives like tax-saving FDs with 5-year lock-in periods, which offer Section 80C deductions up to ₹1.5 lakhs annually.

Premature withdrawal of your ₹50 lakh fixed deposit is possible, though it involves specific conditions and penalty charges. Financial institutions typically allow early withdrawal after a minimum period, usually ranging from 7 days to 3 months from the deposit date.

Withdrawal conditions:

• Penalty rates: Banks typically reduce interest rates by 0.5% to 1% for premature withdrawal
  • Minimum period: Most institutions require deposits to be completed for at least 7-90 days before allowing withdrawal
  • Partial withdrawal: Some banks permit partial withdrawals above certain thresholds
  • Documentation: Withdrawal requests require proper forms and identity verification

Emergency alternatives:
• Loan against FD (typically 85-90% of deposit value)
• Overdraft facility against FD collateral
• Partial withdrawal options where available

Opening an Airtel Finance fixed deposit offers a streamlined, digital-first experience with competitive interest rates up to 8.75% per annum. The application process eliminates traditional paperwork while ensuring complete security and regulatory compliance.

Simple application steps:

• Download: Install the Airtel Thanks app on your smartphone
  • Registration: Complete your profile using mobile number verification
  • Documentation: Upload PAN card and Aadhaar details for KYC completion
  • Investment: Select your deposit amount, tenure, and preferred interest payout frequency
  • Confirmation: Review terms and complete the digital investment process

Key benefits of Airtel Finance Fixed Deposit:

• Higher interest rates: Enhanced returns compared to traditional banking options
  • DICGC insurance: Deposit protection up to ₹5 lakhs per depositor
  • Flexible tenures: Choose from various investment periods suited to your financial goals
  • Digital convenience: Complete application process through mobile app
  • Quick processing: Instant confirmation and deposit activation

The ₹50 lakh FD interest calculation becomes transparent through the app's built-in calculator, helping you understand exact returns before investment confirmation. Airtel Finance's partnership with regulated financial institutions ensures your substantial investment remains secure whilst earning competitive returns.