{"id":15018,"date":"2026-07-23T15:09:51","date_gmt":"2026-07-23T09:39:51","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15018"},"modified":"2026-07-22T15:12:38","modified_gmt":"2026-07-22T09:42:38","slug":"1-lakh-fixed-deposit-interest-per-month","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/","title":{"rendered":"\u20b91 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"A_%E2%82%B91_Lakh_Fixed_Deposit_with_a_monthly_payout_option_yields_a_regular_risk-free_income_of_roughly_%E2%82%B9500_to_%E2%82%B9600_per_month_depending_on_your_chosen_banks_interest_rates_This_non-cumulative_interest_is_calculated_annuallyquarterly_and_credited_directly_to_your_savings_account_each_month\"><\/span><span data-subtree=\"aimfl,mfl\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">A \u20b91 Lakh Fixed Deposit with a <\/span><strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">monthly payout option<!--TgQPHd||[]--><\/strong> yields a regular, risk-free income of roughly \u20b9500 to \u20b9600 per month, depending on your chosen bank&#8217;s interest rates. This non-cumulative interest is calculated annually\/quarterly and credited directly to your savings account each month<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>If you are planning to invest \u20b91 lakh with a view to getting a consistent monthly income, then the Monthly Income Fixed Deposit (FD) is probably one of the schemes on your radar. Monthly Income FDs have been favored by many retirees, salaried individuals, and conservative investors as they get periodic interest payments rather than receiving all their earnings on maturity.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#A_%E2%82%B91_Lakh_Fixed_Deposit_with_a_monthly_payout_option_yields_a_regular_risk-free_income_of_roughly_%E2%82%B9500_to_%E2%82%B9600_per_month_depending_on_your_chosen_banks_interest_rates_This_non-cumulative_interest_is_calculated_annuallyquarterly_and_credited_directly_to_your_savings_account_each_month\" >A \u20b91 Lakh Fixed Deposit with a monthly payout option yields a regular, risk-free income of roughly \u20b9500 to \u20b9600 per month, depending on your chosen bank&#8217;s interest rates. This non-cumulative interest is calculated annually\/quarterly and credited directly to your savings account each month<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Can_You_Get_Monthly_Interest_on_a_%E2%82%B91_Lakh_Fixed_Deposit\" >Can You Get Monthly Interest on a \u20b91 Lakh Fixed Deposit?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Interest_Income_from_%E2%82%B91_Lakh_FD\" >Interest Income from \u20b91 Lakh FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Which_Banks_Offer_Monthly_Income_Fixed_Deposits\" >Which Banks Offer Monthly Income Fixed Deposits?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Should_You_Use_an_FD_Monthly_Interest_Calculator\" >Should You Use an FD Monthly Interest Calculator?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#What_Should_You_Consider_Before_Choosing_a_Monthly_Income_FD\" >What Should You Consider Before Choosing a Monthly Income FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Are_There_Other_Fixed-Income_Investment_Options\" >Are There Other Fixed-Income Investment Options?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Frequently_Asked_Questions_FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>Now that we know about FD schemes in general, let us find out how much monthly income you can earn through a fixed deposit of \u20b91 lakh and also know some of the banks that offer this scheme of monthly interest payments.\u00a0<\/p>\n\n\n\n<p><strong>Disclaimer: <\/strong>The information provided in the article is purely for educational purposes and is in no way financial or investment advice. The interest rate on fixed deposits varies according to different banks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_You_Get_Monthly_Interest_on_a_%E2%82%B91_Lakh_Fixed_Deposit\"><\/span><strong>Can You Get Monthly Interest on a \u20b91 Lakh Fixed Deposit?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes. Most banks offer the facility to pay interest every month rather than paying it at maturity.<\/p>\n\n\n\n<p>Under the monthly income FD scheme, your principal amount stays deposited in the bank for the entire period of the FD, whereas the interest gets paid to your bank account every month.<\/p>\n\n\n\n<p>The actual interest amount that gets paid every month varies depending on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>FD interest rate<\/li>\n\n\n\n<li>Tenure of deposit<\/li>\n\n\n\n<li>Interest payment facility offered<\/li>\n\n\n\n<li>Terms of the bank<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Income_from_%E2%82%B91_Lakh_FD\"><\/span><strong>Interest Income from \u20b91 Lakh FD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The following table provides you with an approximate idea of the monthly interest income that you can earn from a \u20b91 lakh FD.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Annual Interest Rate<\/strong><\/td><td><strong>Approximate Monthly Interest*<\/strong><\/td><\/tr><tr><td>6.00%<\/td><td>\u20b9500<\/td><\/tr><tr><td>6.50%<\/td><td>\u20b9542<\/td><\/tr><tr><td>7.00%<\/td><td>\u20b9583<\/td><\/tr><tr><td>7.50%<\/td><td>\u20b9625<\/td><\/tr><tr><td>8.00%<\/td><td>\u20b9667<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><strong>Formula:<\/strong><\/p>\n\n\n\n<p><strong>Monthly Interest = (Principal \u00d7 Annual Interest Rate) \u00f7 12<\/strong><\/p>\n\n\n\n<p><em>Illustrative calculation. Actual payouts may differ depending on the bank&#8217;s interest calculation method, TDS, and applicable terms.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Bond Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/debt-over-equity-foreign-portfolio-investors-shift-focus-to-indian-fixed-income\/\" aria-label=\"Debt Over Equity: Foreign Portfolio Investors Shift Focus to Indian Fixed Income\u00a0\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/23145121\/Debt-over-Equity-Foreign-Portfolio-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Debt over Equity Foreign Portfolio\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/23145121\/Debt-over-Equity-Foreign-Portfolio-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/23145121\/Debt-over-Equity-Foreign-Portfolio-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/23145121\/Debt-over-Equity-Foreign-Portfolio-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/23145121\/Debt-over-Equity-Foreign-Portfolio-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/23145121\/Debt-over-Equity-Foreign-Portfolio.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/debt-over-equity-foreign-portfolio-investors-shift-focus-to-indian-fixed-income\/\">Debt Over Equity: Foreign Portfolio Investors Shift Focus to Indian Fixed Income\u00a0<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/\" aria-label=\"\u20b91 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"1 Lakh Fixed Deposit Monthly Interest Rate\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22144007\/1-Lakh-Fixed-Deposit-Monthly-Interest-Rate.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/\">\u20b91 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bonds-vs-equities\/\" aria-label=\"Bonds vs Equities in a Sideways Market: When Debt Outperforms\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22154920\/Bonds-vs-Equities-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bonds vs Equities\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22154920\/Bonds-vs-Equities-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22154920\/Bonds-vs-Equities-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22154920\/Bonds-vs-Equities-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22154920\/Bonds-vs-Equities-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/22154920\/Bonds-vs-Equities.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bonds-vs-equities\/\">Bonds vs Equities in a Sideways Market: When Debt Outperforms<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Banks_Offer_Monthly_Income_Fixed_Deposits\"><\/span><strong>Which Banks Offer Monthly Income Fixed Deposits?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>FD interest rates per month are available from most public sector banks and private banks. There may be banks that may provide high-interest rates to senior citizens as well.<\/p>\n\n\n\n<p>Before taking FDs into account, you need to compare these factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest rates<\/li>\n\n\n\n<li>Tenure<\/li>\n\n\n\n<li>Minimum deposit<\/li>\n\n\n\n<li>Withdrawal policy<\/li>\n\n\n\n<li>Payout of interest monthly<\/li>\n<\/ul>\n\n\n\n<p>Rather than choosing an FD based on its interest rates alone, check whether it suits your financial needs.<\/p>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Explore Bonds<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\">High Yield Bonds\u00a0<\/a>|\u00a0<a href=\"https:\/\/goldenpi.com\/corporate-bonds\">Corporate Bonds<\/a>\u00a0|\u00a0<a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\">Tax Free Bonds<\/a> | <a href=\"https:\/\/goldenpi.com\/\">Buy Bond Platform<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_You_Use_an_FD_Monthly_Interest_Calculator\"><\/span><strong>Should You Use an FD Monthly Interest Calculator?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes. An <a href=\"https:\/\/goldenpi.com\/fixed-deposit\/sbi-fd-calculator\">FD Monthly Interest Calculator<\/a> is one of the easiest ways to determine how much monthly interest can be obtained from an FD.<\/p>\n\n\n\n<p>Using:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Amount to be invested<\/li>\n\n\n\n<li>Interest rate<\/li>\n\n\n\n<li>Tenure<\/li>\n<\/ol>\n\n\n\n<p>You will get the idea of what a monthly payout can be.<\/p>\n\n\n\n<p>However, the amount calculated by using a calculator is just an approximation since it ultimately depends on the prevailing interest rate and the methodology of the banks for calculating interest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_You_Consider_Before_Choosing_a_Monthly_Income_FD\"><\/span><strong>What Should You Consider Before Choosing a Monthly Income FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Monthly income FDs can provide predictable cash flows, but they may not suit every financial goal.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td>Factor<\/td><td>Why It Matters<\/td><\/tr><tr><td>Interest Rate<\/td><td>Determines your monthly income.<\/td><\/tr><tr><td>Payout Frequency<\/td><td>Ensure monthly payout is available.<\/td><\/tr><tr><td>Deposit Tenure<\/td><td>Should align with your income needs.<\/td><\/tr><tr><td>Taxation<\/td><td>Interest earned may be taxable under applicable income tax provisions.<\/td><\/tr><tr><td>Premature Withdrawal<\/td><td>Early closure may be subject to the bank&#8217;s terms and applicable penalties.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p>Reviewing these factors can help you select an FD that fits your financial plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are_There_Other_Fixed-Income_Investment_Options\"><\/span><strong>Are There Other Fixed-Income Investment Options?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apart from bank fixed deposits, there are several other options in fixed-income investments, depending on their requirements and risk profile. For example, investors can consider investing in corporate bonds that have been listed, G-Secs, <a href=\"https:\/\/goldenpi.com\/collections\/psu-bonds\">PSU bonds<\/a>, and even <a href=\"https:\/\/goldenpi.com\/collections\/best-ongoing-ipos\">Non-Convertible Debentures<\/a> (NCDs).<\/p>\n\n\n\n<p>Fixed-income securities may pay periodic interest, which could be monthly, quarterly, semi-annual, or annual, depending upon the type of fixed-income product chosen. They have many differences when compared to bank fixed deposits.\u00a0<\/p>\n\n\n\n<p>These include differences in issuer, risk profile, liquidity, tax treatment, and returns.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td>Feature<\/td><td>Fixed Deposit<\/td><td>Listed Bonds<\/td><\/tr><tr><td>Issuer<\/td><td>Banks<\/td><td>Government, PSU, or Corporate Issuers<\/td><\/tr><tr><td>Income Frequency<\/td><td>Depends on the bank&#8217;s FD scheme<\/td><td>Depends on the bond&#8217;s coupon terms<\/td><\/tr><tr><td>Tradability<\/td><td>Generally not traded<\/td><td>Some listed bonds may be traded on exchanges<\/td><\/tr><tr><td>Risk Profile<\/td><td>Depends on the bank<\/td><td>Varies based on the issuer and credit quality<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>This comparison is for educational purposes only and should not be interpreted as a recommendation of one investment product over another.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span><strong>Frequently Asked Questions (FAQs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1784706800706\"><strong class=\"schema-faq-question\">Q1. <strong>How much monthly interest will I get on a \u20b91 lakh FD?<\/strong><\/strong> <p class=\"schema-faq-answer\">The monthly income varies according to the rate of interest. In case of 7% annual interest, an FD worth \u20b91 lakh can yield around \u20b9583 a month, prior to taxes, based on how the bank calculates it.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784706816026\"><strong class=\"schema-faq-question\">Q2. <strong>Which banks have fixed deposits with a monthly income?<\/strong><\/strong> <p class=\"schema-faq-answer\">Both government and private sector banks have fixed deposits that pay interest monthly. There is a variation in tenure and interest rates among different banks.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784706828379\"><strong class=\"schema-faq-question\">Q3. <strong>Is the monthly interest paid from FDs taxable?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. The interest received through FDs is usually taxable based on the tax slab applicable to the depositor. Additionally, Tax Deductible at Source (TDS) might also be applicable under the Income Tax Act.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784706846734\"><strong class=\"schema-faq-question\">Q4. <strong>Can bonds pay regular interest?<\/strong><\/strong> <p class=\"schema-faq-answer\">Certain types of bonds offer regular interest payments in accordance with the bond terms. These could be monthly, quarterly, semi-annual, or annual.<\/p> <\/div> <\/div>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"NewsArticle\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/1-lakh-fixed-deposit-interest-per-month\/\"\n    },\n    \"headline\": \"\u20b91 Lakh Fixed Deposit Monthly Interest: Best FDs for Regular Income\",\n    \"description\": \"A \u20b91 Lakh Fixed Deposit with a monthly payout option yields a regular income of roughly \u20b9500 to \u20b9667 per month depending on interest rates. 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