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Bajaj Finance offers attractive Fixed Deposit interest rates of up to 6.95% p.a. for non-senior citizens, and up to 7.30% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.35% p.a.
FD Calculator
Plan your investments better
FD rates for customers below the age of 60
Fixed Deposit annualised rate of interest for customers below the age of 60 is valid for deposit amounts from Rs. 15,000 to Rs. 3 crore (w.e.f 11 June, 2025) exclusively on website and app.
Non-Senior Citizens
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 12 - 14 | 6.60% | 6.41% | 6.44% | 6.49% | 6.60% |
| 15 - 23 | 6.75% | 6.55% | 6.59% | 6.64% | 6.75% |
| 24 – 60 | 6.95% | 6.74% | 6.78% | 6.83% | 6.95% |
FD rates for customer above the age of 60
Fixed Deposit annualised rate of interest for senior citizens is valid for deposit amounts from Rs. 15,000 to Rs. 3 crore (w.e.f 11 June, 2025) exclusively on website and app.
Senior Citizens
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 12 - 14 | 6.95% | 6.74% | 6.78% | 6.83% | 6.95% |
| 15 - 23 | 7.10% | 6.88% | 6.92% | 6.98% | 7.10% |
| 24 - 60 | 7.30% | 7.07% | 7.11% | 7.17% | 7.30% |
Fixed deposit for your future plans
Fixed Deposit variants we offer
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FD for Individuals - Senior Citizen
Enjoy peace of mind with Bajaj Finance Fixed Deposit—offering secure, high-yield investments with interest rates up to 7.30% p.a., including an exclusive 0.35% p.a. additional benefit for senior citizens. Perfect for those seeking both safety and superior returns.
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FD for Individuals - Non-Senior Citizen
Maximise your savings with Bajaj Finance Fixed Deposit - earn assured returns of up to 6.95% p.a. Ideal for individuals looking for stable and rewarding growth.
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FD For Non-Individuals
Grow your business or family wealth with Bajaj Finance Fixed Deposits - starting from just Rs. 15,000. Choose flexible tenures between
12 to 60 months. Enjoy assured returns with interest payouts at maturity or regular intervals - your choice, your advantage.
Features and benefits of our fixed deposit investment
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Fixed Deposits = Fixed Returns
Invest with confidence. Fixed Deposits offer guaranteed returns, safe capital, and flexible tenures for every investor.
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Earn secured returns up to 7.30% p.a.
Get the highest interest rate on a tenure of 60 months. Use the Fixed Deposit Calculator to estimate your potential income and make an informed decision.
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Higher FD rates for senior citizens
If you are a senior citizen (over 60 years of age), you get up to 0.35% p.a. additional FD interest rate.
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Highest credit ratings
Bajaj Finance highest [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings ensure that your deposits are secured with us.
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Flexible interest payout
We offer monthly, quarterly, half-yearly, and yearly interest payout options. You also have the option of full payout (interest + principal) at the end of the tenure (maturity).
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End-to-end online process
We have created an end-to-end online process where you can book an FD without going to any branch.
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Dedicated customer portal (My Account)
Manage your FD online. Download your Fixed Deposit Receipt (FDR), Interest Certificate (IC), Statement of Accounts (SOA) and other relevant documents.
Login to My Account -
Loan Against your Fixed Deposit (LAFD)
You can raise a loan against your fixed deposit. For cumulative deposit, loan of up to 75% of your invested amount and up to 60% of your FD in case of non-cumulative FD.
Eligibility criteria and documents required to book a Fixed Deposit
Anyone can book our fixed deposit if they meet the basic criteria mentioned below.
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Nationality
Resident Indians
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Investor Type
Individuals, Senior Citizens
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Documents Required
PAN and any KYC document: Aadhaar card/Passport/Driving license/Voter ID
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*Documents can also be fetched from registered KYC.
You can update KYC Via CKYC, OKYC & Digi locker
Non-Resident Indians (NRIs), Persons of Indian Origin (PIO) and Overseas Citizens of India (OCI) can connect with our representative or write to us on wecare@bajajfinserv.in.
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Did you know?
Customers above 60 years of age can enjoy interest rate up to 7.30% p.a. with Bajaj Finance Fixed Deposits
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Did you know?
Customers below 60 years of age can enjoy interest rate up to 6.95% p.a. with Bajaj Finance Fixed Deposits
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Did you know?
Our FD is highest CRISIL AAA/STABLE and [ICRA]AAA (Stable) rated
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Did you know?
You can opt for a loan against your fixed deposit investment
How to invest in a fixed deposit?
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How to renew your fixed deposit ?
You have the option to renew your FD up to 24 hours before maturity. Follow the 6 steps below:
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Step 1:
Sign in to our Customer Portal – My Account with your registered date of birth, mobile number, and OTP.
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Step 2:
Click on ‘My Relations’, available on your home page. Click on ‘View All’ to see all your relationships with us.
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Step 3:
Of all your relationships, select the fixed deposit that you want to renew, and click on ‘Renew your Fixed Deposit’.
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Step 4:
All the details about your FD, including interest rate and maturity amount, will be shown along with the bank details. Click on ‘PROCEED’.
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Step 5:
Choose from the three renewal options – ‘Principal’, ‘Principal + Interest’ or ‘Partial Renewal’. Also, select the payout frequency and tenure.
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Step 6:
Accept the Terms and Conditions and verify your renewal details using the OTP sent on your mobile number.
Frequently asked questions
A fixed deposit (FD) is an investment option offered by banks and NBFCs, where you invest a lump sum for a fixed period at a predetermined interest rate. Your returns are guaranteed and may vary depending on the deposit amount and the tenure you choose.
Bajaj Finance offers attractive FD rates of up to 6.95% p.a. for customers below 60 years and up to 7.30% p.a. for senior citizens.
The exact rate depends on the tenure and type of FD you select.
With Bajaj Finance, you can choose a flexible tenure ranging from 12 months to 60 months. The interest rate you earn will vary based on the tenure you pick, giving you the option to plan your investments as per your goals accordingly.
With Bajaj Finance, you can start a fixed deposit with a minimum investment of Rs. 15,000. It’s a simple way to begin saving and earning assured returns without needing a very large amount upfront.
Yes, Bajaj Finance lets FD holders withdraw their money before maturity, but only after 3 months from the date of deposit. Exceptions are made in unfortunate situations like death cases or urgent needs such as serious medical treatment, natural calamities or disasters. In these cases, partial withdrawal is allowed up to 50% of your principal or Rs. 5 lakh, whichever is lesser.
There isn’t really a limit on how many deposits you can open with Bajaj Finance. You can book multiple FDs as per your goals. Currently, Bajaj Finance offers one of the best FD rates — up to 7.30% p.a. for senior citizens, while investors below 60 years can earn up to 6.95% p.a.
Yes, you can obtain monthly interest on a fixed deposit by selecting an FD non-cumulative monthly scheme.
With the non-cumulative scheme by Bajaj Finance, customers can choose to fund their regular expenses by getting a periodic income.
Investing in a Bajaj Finance FD is quite simple. You can do it online in just a few clicks, or if you prefer, visit the nearest branch or connect with one of our representatives to complete the process offline.
Yes, it’s considered very safe. Bajaj Finance FDs are rated [ICRA]AAA (Stable) and CRISIL AAA/Stable, which are the highest safety ratings given. This basically means your money faces minimal risk and your returns are well-protected.
With Bajaj Finance, you can choose a tenure anywhere between 12 months to 60 months, depending on your saving goals and how long you’d like to keep your money invested.
Yes, FDs continue to be a popular and trusted way to save money in India. They’re low-risk, give you fixed returns, and are easy to open without much hassle. With the highest safety ratings (CRISIL AAA/Stable and ICRA AAA/Stable), Bajaj Finance FDs offer attractive rates — up to 7.30% p.a. for senior citizens and up to 6.95% p.a. for individuals below 60 years.
Bajaj Finance gives you the option to choose between cumulative and non-cumulative deposits. In cumulative FDs, your interest is paid at maturity, making it great for long-term growth. Non-cumulative FDs, on the other hand, pay interest regularly — monthly, quarterly, half-yearly, or annually — perfect if you want a steady income.
Almost everyone can open a Bajaj Finance FD — residents, NRIs, senior citizens, and even minors (through a guardian). Both salaried and self-employed individuals are eligible, as long as the required documents are in place.
Here’s a quick list of who can invest:
Indian residents
Hindu Undivided Families (HUFs)
Sole proprietors and partnership firms
Limited companies and trusts
Non-Resident Indians (NRIs)
Minors with a guardian
Just remember, to open an FD online you’ll need a KYC-verified savings account.
The easiest way to figure out your FD returns is by using an FD calculator. Just enter your deposit amount, interest rate, and tenure, and the tool will instantly show you the interest earned and the maturity value. It’s a quick and hassle-free way to plan your investment and know exactly what to expect.
Investing in an FD comes with several advantages:
Guaranteed returns – You earn a fixed rate of interest, so there’s no risk of market ups and downs.
Low risk – FDs are one of the safest ways to grow your money, ideal for conservative investors.
Tax savings – Certain FDs qualify for tax benefits under Section 80C of the Income Tax Act.
Liquidity when needed – You can withdraw before maturity if required (though a small penalty may apply).
Loan against FD – Your FD can also be used as collateral to get a loan.
Flexibility – Choose from different tenures and payout options (monthly, quarterly, yearly) to suit your goals.
Long-term verses short-term deposits
The importance of safe investments
Four ways to make the most of your Fixed Deposit
How Fixed Deposits support financial independence
How to choose the right tenure
Fixed Deposits versus other investment options
What is the eligibility criteria for our FD
Step-by-step guide to opening a Fixed Deposit
Common mistakes to avoid while investing in FD
Understanding the application process of FD
