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Fixed Deposit Calculator

When you invest in Fixed Deposit, you can earn interest rate on the amount deposited, which compounds over time and enables you to grow your savings. Determine the exact value of your investments by using the Bajaj Finance Fixed Deposit interest calculator, which is a simple tool that you can use easily.


New Customer

Senior Citizen

Bajaj Employee

Existing Customer

Applicable interest rate is


Applicable interest rate is


Applicable interest rate is


Applicable interest rate is


Please select type of customer



  • 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.


  • 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 up to 8.35% on Fixed Deposits. Get guaranteed returns on your investment.- Invest Now

How to Use FD Calculator?

Using the online FD 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 FD 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 to determine the FD maturity amount. Simply go to the FD Calculator page 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 Interest 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:

FD Calculation Formula:

This is A = P (1 + r/4/100) ^ (4*n) and A = P (1 + r/25)4n.

A = Maturity Amount
P = Deposit Amount
n = Compounded Interest Frequency

Here’s 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 10%.

Now A is your maturity amount = 100000*(1+(10/25))^(4*3)

Here, P is the principal amount, n is the tenor and r is the interest rate.

A = 100000*(1.025)^12 A = 100000*1.34489
A = Rs.1,34,489 (Maturity Amount) Interest= 134489-100000 = 34,489

If you plan to evaluate your returns and plan your investments beforehand, try using the FD return Calculator. All you have to do is enter your investment amount and tenor, which helps you calculate the amount receivable on maturity. The FD Calculator can be a great way to compute your earnings, even before you start investing in FDs.

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 deposits?

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 Deposits enable you to choose the frequency of your tenor, and you can see the returns you can make, while entering the required values on FD 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?

Annual rate of interest valid for deposits up to Rs.5 crore (w.e.f 07 December 2019)

For new customers:

Tenor in Months Minimum deposit (in Rs.) Cumulative Non-Cumulative
Monthly Quarterly Half-yearly Annual
12 – 23 25,000 7.60% 7.35% 7.39% 7.46% 7.60%
24 – 35 7.90% 7.63% 7.68% 7.75% 7.90%
36 - 60 8.10% 7.81% 7.87% 7.94% 8.10%

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 Deposits:

  • An additional 0.25% rate of interest for senior citizens

  • Presence across more than 100 locations in India

  • Online access to your Bajaj Finance Fixed Deposit account through our customer portal

  • Auto credit of maturity amount

  • No tax deduction at source on interest payment up to Rs. 5,000 p.a.

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.