Generating a monthly interest for 3 lakh fixed deposit is a reliable way to secure a steady secondary income. In 2026, with interest rates ranging from 6.50% to 8.10% p.a., a ₹3 Lakh investment can yield between ₹1,625 and ₹2,025 per month. By choosing a non-cumulative payout, investors can manage monthly expenses while keeping their principal amount fully protected.