2 Crore FD Interest Per Month – How Much Interest can You Earn Monthly from a 2 Crore Fixed Deposit

Monthly Interest for 2 Crore in Bank

So, you can easily calculate the 2 crore FD interest per month that would be applicable in your case. If you are a senior citizen you would get 0.5% more than the general FD account holders. The lowest interest that you get in these cases is 2.9%. However, this is applicable for FDs where the maturity period is between seven days and 10 years. At times, you may also get an interest rate of 5.15% in these cases.

If your FD amount is two crore or more than that, the maximum interest that you would get in this case is 3.55%. However, this rate would only be provided for FDs with a maturity period of a year. You need to calculate your FD interest per month in accordance with that. Once again, if you are a senior citizen, you would get an extra interest of 0.5% per year compared to the ordinary FD account holders. The thing with the interest payout of an FD is that you can choose the frequency at which you get it. It can be quarterly or yearly as well.

Cumulative and Non cumulative Fixed Deposit (FD) – Difference Between Cumulative and Non Cumulative FD

Before you go for the best investment plan as such, it is important that you understand how a Non-Cumulative FD differs from a Cumulative FD and what are the key differences between cumulative and non-cumulative FD. In a cumulative FD the interest is generated in every quarter and paid when the policy matures. On the other hand, in a non-cumulative FD the interest is awarded at the end of each month, quarter, six months, or at the end of a year. It depends on what the accountholder wants in this case. The non-cumulative FDs are better suited to people who earn through the income that they get from the regular monthly payouts.

As far as the difference between cumulative and non cumulative FD is concerned you should also know that the cumulative FDs offer higher returns compared to the non-cumulative ones. This is because in a cumulative FD your money gets compounded. On the contrary, in a non-cumulative FD the money is given out each month. This means that there is less money over there, which reduces the profits you could possibly make from compounding. The rate of interest is also higher in a cumulative FD.

How Much Interest Can I Earn on a 2-Crore Fixed Deposit in 2025?

If the interest rate is 6% then your 2-crore FD would provide you an interest of 12 lakh rupees every year. This means that you would get one lakh rupees as interest each month. So, you can calculate the monthly interest rate on 2cr FD based on this. If the interest rate is 6.5% then you would get an interest of 13 lakh rupees in a year. This means that each month you would be earning 1.08 lakh rupees on interest alone. If the interest rate is 7% then you would get an interest of 14 lakh rupees in a year.

This means that each month you would be getting 1.17 lakh rupees as interest. This is something that you should know about interest on 2 crore FD per month. In case the interest rate is 7.5% then you would get 15 lakh rupees as interest in a year. This way you would get 1.25 lakh rupees as interest each month.

Top 5 Popular Indian Banks Interest Rates 2025 on FDs Below Rs. 2 Crore.

The following table shows FD interest per month for FDs under 2 crore rupees:

Tenure	Banks	The interest rate for common people	The interest rate for senior citizens
7-45 days	HDFC (Housing Development Finance Corporation) Bank Axis Bank SBI (State Bank of India) Bank Kotak Mahindra Bank ICICI (Industrial Credit and Investment Corporation of India) Bank	2.50-3% 2.50-3% 2.90% 2.50-2.75% 2.50-3%	3% 3% 3.40% 3-3.25% 3%
46-179 days	HDFC Bank Axis Bank SBI Bank Kotak Mahindra Bank ICICI Bank	3-3.50% 3-3.50% 3.90% 2.75-3.20% 3-3.50%	3-4% 3-3.45% 4.40% 3.25-3.70% 3.50-4%
180 days to less than a year	HDFC Bank Axis Bank SBI Bank Kotak Mahindra Bank ICICI Bank	3.50-4% 4.40% 4.40% 4.20-4.40% 4.40%	4.90% 3.75-3.90% 4.90% 4.70-4.90% 4.90%
1-2 years	HDFC Bank Axis Bank SBI Bank Kotak Mahindra Bank ICICI Bank	4.40-4.90% 5.10-5.25% 5% 4.50-4.90% 4.90-5.50%	5.40% 3.75-3.90% 5.50% 5-5.40% 5.40-5.50%

Income tax rules and regulations on Fixed Deposit Interest & Income Tax (2025)

Following are certain rules and regulations that you need to know regarding the monthly interest rate on 2cr FD:

• The income from the interest of your FD is completely taxable. You need to file it under the heading of Income from Other Sources when you are filing your returns.
• If you are earning less than 40,000 rupees in a year in interest from your FD you would not have to pay any tax on that. If you earn more interest than that a 10% TDS (tax deducted at source) would be applied to it.

The Eligibility Criteria for Investing in a 2 Crore FD

Apart from earning 2 crore FD interest per month, there are a few things that you need to know in this context:

• You must be older than 18 years
• If you are a minor the FD would have to be opened under the guardianship of someone else
• You have to furnish PAN (Permanent Account Number) card
• You would also have to submit various documents in these cases
• If you are an HUF (Hindu Undivided Family) you would need a different PAN card

The Documents that you Need For Rs 2 Crore Fixed Deposit (FD)

The documents needed to invest in an FD and earn FD interest per month can be divided into identity proofs, address proofs, and signature proofs. In terms of identity proof, you would need original government IDs such as passport, driving license, PAN card, photo ration card, and voter ID card. In terms of address proof, you would need a telephone bill, passport, electricity bill, and bank statement with a check. If you want to furnish a signature proof you should furnish your passport, driving license, and PAN card.