How much FD for ₹35,000 per month?

To earn ₹35,000 a month as interest from a monthly-payout fixed deposit at 7%, you need about ₹60,00,000. A higher FD rate needs less; a lower rate needs more.

At 6%

₹70,00,000

At 7%

₹60,00,000

At 8%

₹53,00,000

How much are you depositing?

₹

Typical FD: ₹10,000 – ₹10,00,000

At what interest rate?

Bank FDs ~6.5–7.5%; small-finance banks higher

For how many years?

7 days to 10 years at most banks

Compounding frequency

Maturity value after 5 years

₹84,88,669

Invested

₹60,00,000

Interest earned

₹24,88,669

Growth over time

Value

The calculator above shows what this FD grows to if you reinvest — for a monthly income you'd instead choose the bank's monthly interest-payout option. Remember FD interest is taxable at your slab, so your post-tax income is a bit lower than the gross figure.

Open the full FD calculator Compare with an SWP for monthly income

Educational estimate, not financial advice. FD rates vary by bank and tenure; interest is taxable at your slab. Figures are illustrative.