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Interest rates up to 8.20% p.a. for senior citizens and up to 7.95% p.a. for non-senior citizens
Fixed Deposit
Choose to invest in a single go with our 4-step FD. Invest a lumpsum amount for a specific tenor.Systematic Deposit Plan
Achieve your financial goals by making small monthly deposits. Get lumpsum amount on maturity.Rate of interest per annum, applicable on a cumulative scheme tenor of 44 months for senior citizens
Got ItFor Senior Citizen
Rate of interest per annum, applicable on a cumulative scheme tenor of 44 months for non-senior citizens.
Got ItFor Non Senior Citizen
Choose to receive interest payouts on a monthly, quarterly, half-yearly, or annual basis
Got ItPayout Interest
Apply for a loan against FD and take a loan up to 75% of FD amount in case of emergencies
Got ItOf FD amount
Staying invested for longer can help you earn higher returns on your deposit. The tenor for Single Maturity Scheme of SDP is 19 to 60 months.
Got ItFlexible tenor
Rated FAAA/Stable by CRISIL and MAAA/Stable by ICRA, which means highest safety of your money.
Got ItStrong Credibility
Bajaj Finance FD has credit ratings of CRISIL AAA/STABLE and [ICRA]AAA(Stable)Additional rate benefits
Online account management
Access all product details 24x7 on our customer portal - ExperiaFund emergencies with an easy premature withdrawal facility after a minimum lock-in period of 3 months. You can also take an easy Loan against FD, instead of liquidating your savings prematurely.
Got ItPremature withdrawal facility
Access your savings instantly, during emergenciesRate of interest per annum valid for deposits up to Rs. 5 Crore (W.e.f. 4th Mar 2023)
Senior Citizens
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
12-14 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
>15-23 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
24 | 7.80% | 7.53% | 7.58% | 7.65% | 7.80% |
25-35 | 7.60% | 7.35% | 7.39% | 7.46% | 7.60% |
36-60 | 7.90% | 7.63% | 7.68% | 7.75% | 7.90% |
Non Senior Citizens
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
12-14 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
>15-23 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
24 | 7.55% | 7.30% | 7.35% | 7.41% | 7.55% |
25-35 | 7.35% | 7.11% | 7.16% | 7.22% | 7.35% |
36-60 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
15 | 7.70% | 7.44% | 7.49% | 7.56% | 7.70% |
18 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
22 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
30 | 7.70% | 7.44% | 7.49% | 7.56% | 7.70% |
33 | 8.00% | 7.72% | 7.77% | 7.85% | 8.00% |
44 | 8.20% | 7.91% | 7.96% | 8.04% | 8.20% |
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
15 | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% |
18 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
22 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
30 | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% |
33 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
44 | 7.95% | 7.67% | 7.72% | 7.80% | 7.95% |
Senior Citizens
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | |||||
At Maturity | |||||
12-14 | 7.65% | ||||
>15-23 | 7.75% | ||||
24 | 7.80% | ||||
25-35 | 7.60% | ||||
36-60 | 7.90% |
Non Senior Citizens
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | |||||
At Maturity | |||||
12-14 | 7.40% | ||||
>15-23 | 7.50% | ||||
24 | 7.55% | ||||
25-35 | 7.35% | ||||
36-60 | 7.65% |
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | |||||
At Maturity | |||||
15 | 7.70% | ||||
18 | 7.65% | ||||
22 | 7.75% | ||||
30 | 7.70% | ||||
33 | 8.00% | ||||
44 | 8.20% |
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | |||||
At Maturity | |||||
15 | 7.45% | ||||
18 | 7.40% | ||||
22 | 7.50% | ||||
30 | 7.45% | ||||
33 | 7.75% | ||||
44 | 7.95% |
Vipin Chauhan
Sr manager - ET moneyThe online investment journey was smooth, and I found it very convenient to invest from the safety of my home, during these times.
Siddharth Shrivastava
ManagerI decided to invest because, even though the market sentiments are uncertain, I'm getting assured attractive returns on my FD.
Vivek Pandey
Self employedSmall monthly investments with assured returns! Enjoyed the easy process during investing in SDP.
Step 1 - Verify your mobile number
Enter mobile number, date of birth, and verify OTP to continue.For CKYC
CKYC is a one-time KYC compliance process to avail of multiple financial services across institutions. To be mentioned as a header for CKYC card Here are the documents you need to keep handy:For OKYC (Offline Aadhar)
Here are the documents you need to keep handy:For KYC through Documents upload Option
Here are the documents you need to keep handy to upload the following:Step 2 - Confirm your personal details
Existing customers can enter nominee details and proceed. New customers can proceed after completing their KYC online.Step 3 - Enter investment details
Enter deposit amount, tenor and interest payout type, along with bank account details.Step 4 - Complete payment
Choose to pay through Net Banking or UPI. UPI option is available for deposits up to Rs 1,00,000.Step 1 - Verify your mobile number
Enter mobile number, date of birth, and verify OTP to continue.For CKYC
Here are the documents you need to keep handy:For OKYC (Offline Aadhar)
Here are the documents you need to keep handy:For KYC through Documents upload Option
Here are the documents you need to keep handy to upload the following:Step 2 - Confirm your personal details
Existing customers can enter nominee details and proceed. New customers can proceed after completing their KYC online.Step 3 - Enter investment details
Choose your preferred scheme. Enter deposit amount, tenor, and deposit frequency, along with bank account details. Select the auto-debit date for subsequent deposits.Step 4 - Complete payment
Choose to pay through Net Banking or UPI. UPI option is available for deposits up to Rs 1,00,000.A fixed deposit is a savings option which helps you earn interest on savings parked with a financier of your choice. You can choose to get returns on a periodic basis, or at maturity. The rates of interest are typically higher than money kept in savings accounts because the money is locked in for a specific period and cannot be withdrawn at will of the depositor, except in certain scenarios in which customer is ready to bear the penalty for premature withdrawal.
The minimum amount for a fixed deposit is Rs. 15,000, while it's Rs. 5000 per month for Systematic Deposit Plan. The tenor can range from 12 months to 60 months.
Bajaj Finance Limited offers attractive interest rates of up to 8.20%* p.a. for senior-citizens. Non-senior citizens will get returns of up to 7.95%* p.a. on their deposits.
The lock-in period for any FD is three months, before which the FD cannot be withdrawn. For premature withdrawal there are penalty slabs as under:
The TDS certificate will be emailed to the depositor every quarter.
The depositor will receive the fixed deposit receipt by courier maximum within 3 weeks of creation of his/her deposit account.
Fixed Deposit Receipt (FDR) tracking system will be made available shortly on our website. In the meanwhile, a virtual copy of the FD certificate is available online on our Customer Portal - Experia, hence the same can be viewed online.
Basis the scheme availed by the customer; the interest amount will be credited to the customer's bank account registered with us. After the interest is credit to a customer's account, communication for the same will be sent to the customer via SMS/email. Refer to your Statement of Account for the details on the interest scheme availed and interest payable details.
The maturity amount will be transferred to the bank account mentioned by the depositor in the application form through National Electronic Fund Transfer (NEFT)/Real Time Gross Settlement (RTGS) mode only. The entire amount shall be transferred on the date of maturity of the deposit. In case of electronic account transfer bounce, the depositor will be intimated through phone call, email and written letter requesting him to update the bank account details registered with us.
To change your bank account details, download change of bank details form from https://www.bajajfinserv.in/forms-centre and submit it along with a copy of FDR and cancelled cheque to your RM/broker.
Systematic Deposit Plan (SDP) is an industry-first savings plan offered by the Bajaj Finance Limited, which enables you to start growing your savings on a monthly basis. You can start saving with just Rs. 5000 per month, and choose to get your returns altogether, or on a monthly basis.
As a monthly savings option, SDP enables you to grow your savings on a monthly basis, without having to accumulate a lumpsum amount at once. Each deposit you make with SDP is a fixed deposit on its own, that accrues interest as per the rate of interest applicable on the date of deposit. Thus, you can gain assured returns on monthly deposits, which offers the convenience of SIPs and assurance of fixed deposit.
To get started with a Systematic Deposit Plan, you only need to start with Rs. 5000 per month.
For those with lumpsum savings, fixed deposit is a great investment tool to get started with. However, if you're looking to save on a monthly basis, you can choose Systematic Deposit Plan (SDP). Under SDP, each of your deposits are separate FDs, which earn interest as per the interest rates prevailing on the date of booking.
Single Maturity Scheme is a variant of Systematic Deposit Plan (SDP), where you receive maturity proceeds of all your deposits on a single day. Once you select the tenor for your first deposit, the tenor for each subsequent deposit placed, is regulated to mature on a single date.
Monthly Maturity Scheme is another variant of the Systematic Deposit Plan, which offers maturity proceeds on a monthly basis. With this variant, you can invest in 6 to 48 deposits, and the tenor you choose, gets applied to all the deposits you invest in. The maturity date for each of these deposits is different, as your deposits mature as per the tenor you've selected.
With Single Maturity Scheme, you can make between 6 and 47 deposits; and with Monthly Maturity Scheme, you can choose to make between 6 and 48 deposits.
When saving with Single Maturity Scheme, you can choose tenors ranging from 19 to 60 months.
When saving with Monthly Maturity Scheme, you can choose tenors ranging from 12 to 60 months.
You can easily start saving with Systematic Deposit Plan through an end-to-end online process, from the comfort of your home. All you need is your Aadhaar or PAN to complete your KYC process.
You can pay online through Net Banking or via UPI. Once your first deposit is made, you can register for NACH mandate, for auto-debit of the amount from your bank account, every month.
No bounce charges will be levied by Bajaj Finance Limited in case the depositor misses his/her monthly deposit. However, bounce charges may be levied by the Bank of the depositor for NACH dishonour and in that case BFL will not be held responsible.
Yes. A joint deposit account can be opened under the Systematic Deposit Plan. It will follow the same guidelines as a regular Bajaj Finance Fixed Deposit.
Yes. You will be issued separate Fixed Deposit Receipt for each deposit in line with existing deposit program guidelines.
No, auto renewal option is not available for deposits through Systematic Deposit Plan. To renew every deposit under Monthly Maturity Scheme, a fresh renewal form needs to be filled and submitted.
Yes. In case you feel the need, you can cancel your NACH Mandate anytime in between and stop the Systematic Deposit payment.
Yes, you can get a loan against any of the deposits made under SDP, after a minimum lock-in period of 3 months for each of your deposit(s).
*Rate of interest per annum, applicable on a cumulative scheme tenor of 44 months for senior citizens
**Rate of interest per annum, applicable on a cumulative scheme tenor of 44 months for non-senior citizens
Regarding the company's deposit-taking activity, the viewers may refer to the advertisement in Indian Express and Loksatta, dated 4th March 2023, for soliciting public deposits. The company has a valid Certificate of Registration dated 05th March 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the company's financial soundness or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.
Copyright BajajFinserv | All Rights Reserved
Investment Journey
Mobile Verification
KYC Completion
Existing customers do not require KYC.
For new customers, there are 3 ways to complete KYC:
1) CKYC 2) OKYC (offline Aadhar) 3) Upload documents
Got ItPersonal Details
Investment Details
Payment
E-mandate
Enter your mobile number, date of birth and request OTP to continue
Please enter the OTP received on your mobile
Enter One Time Password (OTP)
Please enter the OTP received on mobile 7972236634Entered a wrong number ? Change here
100% Online process. Quickest ways to book an FD
Brand trusted by over 4 crore customers
Highest stability ratings of FAAA and MAAA
For senior citizens* (Inclusive of additional rate benefit of 0.25% p.a.):
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
15 | 7.70% | 7.44% | 7.49% | 7.56% | 7.70% |
18 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
22 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
30 | 7.70% | 7.44% | 7.49% | 7.56% | 7.70% |
33 | 8.00% | 7.72% | 7.77% | 7.85% | 8.00% |
44 | 8.20% | 7.91% | 7.96% | 8.04% | 8.20% |
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
12-14 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
>15-23 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
24 | 7.80% | 7.53% | 7.58% | 7.65% | 7.80% |
25-35 | 7.60% | 7.35% | 7.39% | 7.46% | 7.60% |
36-60 | 7.90% | 7.63% | 7.68% | 7.75% | 7.90% |
For Non senior citizens
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
15 | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% |
18 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
22 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
30 | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% |
33 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
44 | 7.95% | 7.67% | 7.72% | 7.80% | 7.95% |
Tenor in months | Interest Payout | ||||
---|---|---|---|---|---|
Cumulative | Non Cumulative | ||||
At Maturity | Monthly | Quarterly | Half-yearly | Annually | |
12-14 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
>15-23 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
24 | 7.55% | 7.30% | 7.35% | 7.41% | 7.55% |
25-35 | 7.35% | 7.11% | 7.16% | 7.22% | 7.35% |
36-60 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
Senior Citizens* (Inclusive of additional rate benefit of 0.25% p.a.)
Tenor in months | Cumulative rates of interest |
---|---|
At Maturity | |
15 | 7.70% |
18 | 7.65% |
22 | 7.75% |
30 | 7.70% |
33 | 8.00% |
44 | 8.20% |
Tenor in months | Cumulative rates of interest |
---|---|
At Maturity | |
12-14 | 7.65% |
>15-23 | 7.75% |
24 | 7.80% |
25-35 | 7.60% |
36-60 | 7.90% |
Non - Senior Citizens
Tenor in months | Cumulative rates of interest |
---|---|
At Maturity | |
15 | 7.45% |
18 | 7.40% |
22 | 7.50% |
30 | 7.45% |
33 | 7.75% |
44 | 7.95% |
Tenor in months | Cumulative rates of interest |
---|---|
At Maturity | |
12-14 | 7.40% |
>15-23 | 7.50% |
24 | 7.55% |
25-35 | 7.35% |
36-60 | 7.65% |
Help us identify you better
Enter mobile number, date of birth and verify OTP to continue
If you're an existing customer, enter nominee details to continue. In case you are a new customer, complete your KYC by providing PAN or Aadhaar or simply upload documents
Enter deposit amount, tenor and interest payout type, along with bank account details.
Choose to pay via NetBanking or UPI. For investment above Rs. 1,00,000, only Netbanking option is available.
Upon successful payment, your deposit will be booked and you'll receive an acknowledgement via email and SMS within 15 minutes.
On the day of maturity, your maturity amount will be directly credited into your bank account as per the details shared by you.
KYC documents upload
Review your personal details to book an FD
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Thank you for investing with us!
Congratulations! You have successfully made your first deposit
Maturity amount
4,625Interest rate
7.9%Maturity date
04-Mar-2025Interest earned
4,625Deposit amount
10,000We will send you all your deposit-related information on your registered contact details.
Please register NACH for future auto debits
Director or Promoter of Bajaj Finance Ltd
Relative of Director of Bajaj Finance Ltd
Shareholder of Bajaj Finance Ltd
Are you a citizen, national or tax resident of any country outside India?
We cannot proceed to book a deposit for a citizen/national of another country other than India
I undertake to inform company any change in status of my nationality or tax residence. I am making investment from my Indian resident Individual Savings bank account. I/We confirm that I/we have read and understood the detailed terms and conditions annexed to this Application including the interest rate and other charges. I have gone through the financials and other statements/particulars/representations furnished/made by the company and after careful consideration I am making the deposit with the company at my own risk and volition. I have read and agree to the Terms & Conditions
Disclaimer: Funds are transferred to Bajaj Finance Ltd's bank account through payment gateway by an intermediary. Interest start date will be at T+1 working days based on fund realisation from payment gateway.
Fund transfer limits through internet banking are predefined by banks and can vary from bank to bank. Please check you bank's third party transfer limit before making any online payments
Annual rate of interest
Valid for deposits up to Rs.5 crore (w.e.f. 4th Mar 2023) For Non Senior CitizensMonths | Cumulative | Non-Cumulative | |||
---|---|---|---|---|---|
Monthly | Quarterly | Half Yearly | Annual | ||
15 | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% |
18 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
22 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
30 | 7.45% | 7.21% | 7.25% | 7.32% | 7.45% |
33 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
44 | 7.95% | 7.67% | 7.72% | 7.80% | 7.95% |
Months | Cumulative | Non-Cumulative | |||
---|---|---|---|---|---|
Monthly | Quarterly | Half Yearly | Annual | ||
12 – 14 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
>15 – 23 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
24 | 7.55% | 7.30% | 7.35% | 7.41% | 7.55% |
25–35 | 7.35% | 7.11% | 7.16% | 7.22% | 7.35% |
36–60 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
Months | Cumulative | Non-Cumulative | |||
---|---|---|---|---|---|
Monthly | Quarterly | Half Yearly | Annual | ||
15 | 7.70% | 7.44% | 7.49% | 7.56% | 7.70% |
18 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
22 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
30 | 7.70% | 7.44% | 7.49% | 7.56% | 7.70% |
33 | 8.00% | 7.72% | 7.77% | 7.85% | 8.00% |
44 | 8.20% | 7.91% | 7.96% | 8.04% | 8.20% |
Months | Cumulative | Non-Cumulative | |||
---|---|---|---|---|---|
Monthly | Quarterly | Half Yearly | Annual | ||
12 – 14 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
>15 – 23 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
24 | 7.80% | 7.53% | 7.58% | 7.65% | 7.80% |
25 – 35 | 7.60% | 7.35% | 7.39% | 7.46% | 7.60% |
36 – 60 | 7.90% | 7.63% | 7.68% | 7.75% | 7.90% |
Annualized Rate of Interest
Valid for deposits up to Rs.5 crore (w.e.f. 4th Mar 2023)Tenor in months | Cumulative rates of interest | ||
---|---|---|---|
For Senior citizens | For Non Senior Citizens | ||
12 - 14 | 7.65% | 7.40% | |
>15 - 23 | 7.75% | 7.50% | |
24 | 7.80% | 7.55% | |
25 - 35 | 7.60% | 7.35% | |
36 - 60 | 7.90% | 7.65% |
Tenor in months | Cumulative rates of interest | ||
---|---|---|---|
For Senior citizens | For Non Senior Citizens | ||
15 | 7.70% | 7.45% | |
18 | 7.65% | 7.40% | |
22 | 7.75% | 7.50% | |
30 | 7.70% | 7.45% | |
33 | 8.00% | 7.75% | |
44 | 8.20% | 7.95% |
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