What is the interest rate for an FD of ₹25 lakhs?

A ₹25 lakh FD may fetch an interest rate of around 6% to 8.55% (or higher) across the best available options right now. However, the interest rates for such an investment vary across financial institutions and are influenced by factors like tenure, depositor's age, and the type of institution (bank or non-banking financial company - NBFC).

A ₹25 lakh fixed deposit (FD) may offer annualised interest rates typically ranging from 6% to 8.55%* as of May 2025, depending on the financial institution, tenure, and customer eligibility. Actual rates are subject to change and may vary based on the depositor’s age, tenure, and whether the institution is a bank or non-banking financial company (NBFC).

• Tenure: Longer tenures often attract higher interest rates.
• Depositor's Age: Senior citizens typically receive higher interest rates.
• Customer Type: Female customers may also be eligible for special rates in certain financial institutions.
• Institution Type: NBFCs may offer higher rates compared to banks.
• Prevailing Market Conditions: Economic conditions and monetary policy decisions by the Reserve Bank of India (RBI) can have a significant impact on FD interest rates.

Monthly Interest Payout Estimates

For a ₹25 lakh FD with an annual interest rate of 7.50% over a 5-year tenure, the monthly interest payout would be approximately ₹15,625. This calculation assumes a non-cumulative FD with monthly payouts.