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3 min
12-July-2024

Why should you check FD status regularly?

Regularly checking your fixed deposit (FD) status is essential for maintaining the health of your investment. Monitoring your FD status ensures that you are aware of the interest accrued and the exact maturity date, which is critical for making timely financial decisions. By keeping track of your FD status, you can plan for reinvestment, ensuring that your funds continue to grow without interruption. Additionally, it helps in verifying that all personal and investment details are accurate, preventing potential discrepancies that could affect your returns. Regular checks also enable you to stay informed about any changes in interest rates or bank policies that might impact your investment. Overall, keeping an eye on your FD status is a proactive way to manage your finances effectively and ensure that your savings are working for you.

Benefits of checking Bajaj Finance FD status

Checking your Bajaj Finance FD status regularly offers several advantages:

  • Interest accrual: By monitoring your FD status, you can keep track of the interest accrued over time, giving you a clear picture of how much your investment has grown. This information is crucial for understanding the returns on your investment and planning future investments.
  • Accurate details: Regular checks help ensure that all your personal and investment details are correctly recorded. This accuracy is vital to avoid any discrepancies that could affect the maturity amount or cause complications when you try to withdraw or reinvest your funds.
  • Timely reinvestment: Knowing the exact maturity date allows you to plan for reinvestment. This ensures that your funds are not sitting idle and continue to earn interest, maximizing the growth of your savings.
  • Financial planning: Keeping an eye on your FD status aids in better financial planning. By knowing how much interest you have earned and when your FD will mature, you can align your investments with your financial goals and make informed decisions about your savings and expenditures.
  • Premature withdrawal: In case of financial emergencies, regular monitoring of your FD status can help you decide on premature withdrawal. You will be aware of the penalties and how much interest you might lose, allowing you to make a well-informed decision.
  • Security: Regularly checking your FD status adds an extra layer of security by keeping you informed about the current status of your investment. Any unauthorized changes or discrepancies can be quickly identified and addressed.

How to check FD status?

To check your FD status with Bajaj Finserv, follow these simple steps:

  1. Login: Access your Bajaj Finserv account by visiting their official website.
  2. Sign in: Click on the "Sign In" button and enter your registered mobile number and date of birth. Use the OTP sent to your mobile to complete the login process.
  3. Navigate to fixed deposits: Once logged in, go to the 'Fixed Deposits' section under the 'Account' dashboard.
  4. Select your FD: Choose the specific fixed deposit account you want to check.
  5. View details: You will see all the details of your FD, including the maturity date, principal amount, and accrued interest. For more information, visit Check FD Details.

Ways to check FD maturity date

There are several methods to check the maturity date of your fixed deposit, providing flexibility and convenience:

1. Through my account:

  • Online portal: Log in to the Bajaj Finserv 'Account' portal using your registered mobile number and date of birth. Navigate to the 'Fixed Deposits' section and select your FD account to view the maturity date.

2. Through mobile app:

  • Bajaj Finserv app: Download and install the Bajaj Finserv app on your smartphone. Log in using your registered credentials, navigate to the 'Fixed Deposits' section, and select your FD account to check the maturity date.

3. Through IVR:

  • Interactive Voice Response (IVR): Call the Bajaj Finserv customer care number and follow the IVR instructions. Select the option for fixed deposits and enter your account details to receive the maturity date information.

These methods offer multiple ways to check your FD maturity date, allowing you to choose the most convenient one based on your preferences and needs.

How to check FD maturity amount?

To check the maturity amount of your fixed deposit, you can use various methods. Here are the steps for each method:

1. Online portal:

  • Log in to the Bajaj Finserv 'Account' portal.
  • Navigate to the 'Fixed Deposits' section.
  • Select your FD account to view the maturity amount along with other details.

2. Mobile app:

  • Open the Bajaj Finserv app on your smartphone.
  • Log in with your registered credentials.
  • Navigate to the 'Fixed Deposits' section and select your FD account to check the maturity amount.

3. Through SMS:

  • Send a predefined keyword to the designated Bajaj Finserv SMS number.
  • You will receive an SMS with your FD details, including the maturity amount.

4. Through IVR:

  • Call the Bajaj Finserv customer care number.
  • Follow the IVR instructions and select the fixed deposit option.
  • Enter your account details to get information on the maturity amount.

5. Customer care:

  • Contact Bajaj Finserv customer care directly.
  • Provide your FD account details to the representative.
  • They will assist you in checking your maturity amount.

By using these methods, you can easily check the maturity amount of your fixed deposit, ensuring you are well-prepared for the end of your investment term.

Conclusion

Regularly checking your fixed deposit status is crucial for maintaining the health and growth of your investments. It ensures that you stay informed about interest accrual, maturity dates, and any discrepancies in your account details. This proactive approach allows you to make timely decisions regarding reinvestment, premature withdrawals, and financial planning. By keeping a close eye on your FD status, you can maximize your returns and ensure that your savings continue to work for you. Additionally, having access to your fixed deposit receipt is essential for accurate record-keeping and future reference. Regular updates and careful management of your fixed deposits can lead to better financial outcomes and secure your savings.

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

What is the penalty for premature withdrawal of a fixed deposit?

According to the Reserve Bank of India, banks are allowed to set their own penalty fees for premature withdrawal of a fixed deposit. Typically, these penalties range from 0.5% to 1% of the interest rate, and customers must be informed of these charges when opening an FD account. Some banks do not impose any penalty fees for premature withdrawal.

Can I renew my FD before maturity?

No, you cannot renew your fixed deposit before its maturity. You can only renew it once it reaches the maturity date. Read more on FD renew.

Can we change nominee in FD?

Yes, you can change the nominee in your fixed deposit. To change nominee in FD, log in to your account and follow the instructions provided by your bank.

How can I claim FD after maturity?

To claim your FD after maturity, log in to your bank’s online portal or visit the branch where you opened the FD. You will need to provide the original FD certificate and a valid ID proof. The matured amount will then be transferred to your linked bank account.

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