Fixed Deposit Calculator

When investing in a Fixed Deposit, the amount you deposit earns interest as per the prevailing FD interest rate. This interest keeps compounding over time, and helps you grow your savings. Investors looking to know their FD maturity amount, earned interest and payout amount can use Bajaj Finance Fixed Deposit Calculator to plan their investment in advance. You can determine the exact value of your investments, before you start investing.


Non Senior Citizen (Investing Offline)

Non Senior Citizen (Investing Online)

Senior Citizen
(Investing Offline/Online)

Applicable interest rate is


Applicable interest rate is


Applicable interest rate is


Applicable interest rate is


Please select type of customer



 (indicative,actual returns may vary)

  • Interest rate :


  • Interest payout :


  • Maturity by :


  • Maturity amount :


What is Cumulative Fixed Deposit ?

When you invest in cumulative fixed deposit, your interest is compounded annually, but paid at maturity.


 (indicative,actual returns may vary)

  • Period

    Interest rate

    Interest payout

  • Monthly



  • Quarterly



  • Half yearly



  • Yearly



What is Non-Cumulative Fixed Deposit?

When you invest in non-cumulative fixed deposit, you can avail your interest payouts periodically. You can opt for interest payouts monthly, quarterly, half-yearly, or annually, depending on your choice.

Disclaimer: ROI in the above calculator may vary upto 4 bps with the actual rates offered.

DID You Know ? Bajaj Finance is now offering interest rates of upto 6.60% on fixed deposit and 0.25% more for senior citizens. What's more, online investors get 0.10% extra (not applicable for senior citizens) - Invest Online

Features of Bajaj Finance Fixed Deposit

Interest Rate Ranging from 6.15% to 7.25%
Minimum Tenor 1 Year
Maximum Tenor 5 Years
Deposit Amount Minimum Rs. 25,000
Application Process Easy online paperless process
Online Payment Options Net Banking and UPI

• How to Use FD Calculator?

Using the online FD Maturity Calculator is a simple process.
Here are the steps to use the FD interest rates calculator:

  • Choose your customer type, i.e. New Customer/Existing Loan Customer/Senior Citizen

  • Choose the type of Fixed Deposit that you want, i.e. cumulative or non-cumulative

  • Choose your Fixed Deposit amount

  • Choose the preferred tenor of the Fixed Deposit

  • You will then automatically see the interest amount and total amount earned at maturity

Using the Bajaj Finance Fixed Deposit Return Calculator can hence, be a great way to determine your returns, before you start investing. This can help you streamline your finances easily, and maximise the returns on your investment.

• How to Calculate Fixed Deposit Maturity Amount?

You can use the Fixed Deposit Calculator or Term Deposit Calculator to determine the FD maturity amount. Simply go to the FD Calculator and choose the type of customer you are, your FD type, i.e. cumulative or non-cumulative and the amount of your principal and the tenor. You will automatically be able to see the interest amount earned on the principal for the tenor you mentioned, and also the total maturity amount of your Fixed Deposit.

You can use the Bajaj Finance FD Amount Calculator to determine the maturity amount on your Fixed Deposit. Interest rates vary as per the type of FD you choose, i.e. cumulative/non-cumulative and also the tenor and principal amount. This calculator helps you determine the maturity amount in only a couple of minutes.

• How is Fixed Deposit interest calculated?

The returns on your Fixed Deposit investment, are determined by your interest rates and frequency of interest payouts. These interest rates are compounded periodically, and the formula supporting the FD interest rates calculator is listed below.

• Here’s the FD Calculation Formula:



  • A is maturity amount
  • P is principal amount
  • r is rate of interest
  • t is number of years
  • n is compounded interest frequency
To understand this better, let’s consider an example. Suppose you are investing Rs. 1,00,000 in a Fixed Deposit for a tenor of 3 years at an interest rate of 7-7.25%, which is compounded annually (n=1). As per the formula provided, here’s the calculation you need to make:

• A=100000*1.25971
• A=125971

Thus, your final amount is Rs. 1,25,971. While calculating this manually can be taxing, you can always evaluate your returns using the Bajaj Finance Fixed Deposit Calculator. Here, all you need to do is to enter your investment amount and tenor, which helps you calculate the amount receivable on maturity.


• What is Bajaj Finance Fixed Deposit interest rate calculator?

The Bajaj Finance Fixed Deposit interest calculator helps you determine the amount that you will receive on maturity of the deposit along with interest. It also helps you calculate and compare the interest receivable by changing the deposit amount, tenor and interest payment frequency.

• How does Bajaj Finance Fixed Deposit calculator work?

The FD interest rates calculator by Bajaj Finance is very easy to use. You can input the Fixed Deposit amount and tenor to calculate the amount receivable on maturity. It also helps you to calculate both cumulative as well as non-cumulative payouts.

• Can we get monthly interest on Fixed Deposit?

Yes. You can get a monthly interest payout, if you choose periodic payouts, and select monthly frequency. When you invest your money in FDs, you gain interest on your principal amount, which can be obtained periodically. Bajaj Finance Fixed Deposit enables you to choose the frequency of your tenor, and you can see the returns you can make, while entering the required values on FD monthly payout Calculator.
If you’re looking for a monthly income from your investment, you can choose to get your interest payouts on a monthly basis. Using the Fixed Deposit monthly interest calculator can also be computed easily.
However, your interest rate changes based on your interest payout frequency. The more frequently you withdraw your interest, the lesser interest you gain. You can keep checking the Bajaj Finance FD Calculator to compute your returns beforehand, so you can plan your finances in advance.

• What are the interest rates offered on Bajaj Finance Fixed Deposit against different tenors?

For new customers:

Annual rate of interest valid for deposits up to Rs.5 crore (w.e.f 01 Feb 2021)

Tenor in Months Minimum deposit (in Rs.) Cumulative Non-Cumulative
Monthly Quarterly Half Yearly Annual
12 – 23 25,000 6.15% 5.98% 6.01% 6.06% 6.15%
24 – 35 6.60% 6.41% 6.44% 6.49% 6.60%
36 - 60 7.00% 6.79% 6.82% 6.88% 7.00%

Senior citizens (subject to provision of age proof) will enjoy an additional 0.25% rate of interest.

• What is the difference between Bajaj Finance cumulative and non-cumulative payout options?

When using the Bajaj Finance Fixed Deposit Calculator, you may have seen the option for cumulative and non-cumulative payout options, which determine your interest rates and maturity values. Read on to know more about these schemes:

Non-cumulative Scheme

  • In Bajaj Finance 'non-cumulative’ Fixed Deposit scheme, the interest is payable on a monthly, quarterly, half yearly and yearly basis. The scheme will be convenient for an individual who requires a periodic interest payout.

Cumulative Scheme

  • In Bajaj Finance 'cumulative’ Fixed Deposit scheme, the interest is payable at the time of maturity along with the principal and is compounded annually. This scheme is suitable for an individual, who does not require periodic interest payment and acts as a money multiplier scheme.

When selecting the right values on our FD Calculator, it is important to determine your own needs and choose the right option accordingly.

• Why should I invest in a Bajaj Finance Fixed Deposit?

Bajaj Finance Fixed Deposit comes with FAAA Rating by CRISIL and MAAA Rating by ICRA, offering the highest security for your investment. Moreover, there are 6 flexible tenors to choose from, to suit individual needs.

Here are some of the other benefits of our Fixed Deposit:

  • An additional 0.25% rate of interest for senior citizens

  • Flexible tenors between 12 and 60 months, with options to choose periodic interest payouts

  • Easy online investment process for existing customers, and doorstep document collection facilities

  • Loan against Fixed Deposit up to 75% of your FD amount

  • Access to digitally-enabled FD branches that help in simplifying your investment journey with a suite of features, such as FD with debit card, multi-deposit, and auto-renewal facilities.

In addition to these features and benefits, you can easily compute your earnings before you invest by using the Bajaj Finance Fixed Deposit Calculator, which provides you with the exact returns easily.

• What is maturity amount in FD?

The maturity amount of your fixed deposit is a sum of your principal amount invested, along with pre-decided returns earned over the chosen tenor. You can easily calculate FD maturity amount with FD maturity calculator, even before you invest. Simply enter the desired investment amount, preferred tenor and your FD maturity amount is calculated easily.

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