Features of fixed deposit

  • Get secured returns

    Get secured returns up to 7.60% p.a.*

    Manage your savings and earn higher returns on your investment.

  • Flexible tenors up to 60 months

    Flexible tenors up to 60 months

    Get higher returns on your investments by staying invested for longer.

  • Deposits starting just Rs. 25,000

    Deposits starting just Rs. 15,000

    Start investing with a small amount and grow your savings with our fixed deposits.

A fixed deposit is a savings option that helps you earn interest on savings invested with a financial institute of your choice. You can choose to get returns periodically or at maturity. The rate of interest earned is higher than money kept in savings accounts.

With Bajaj Finance, you get attractive FD interest rates of up to 7.60% p.a.*, along with the convenience of investing from the comfort of your home with an end-to-end paperless investment process.

With market volatilities and unprecedented market movements, investing in a fixed deposit is the best way to safeguard your savings. Bajaj Finance provides investors with the dual benefit of the safety of deposit, as well as attractive returns owing to the high FD interest rates.

* Conditions Apply

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Fixed deposit interest rates

The annual rate of interest is valid for deposits Rs. 15,000 up to Rs. 5 Crore (w.e.f June 14, 2022)

Tenor in months

12 – 23

24 – 35

36-60

Cumulative

5.85% p.a.

6.60% p.a.

7.20% p.a.

Monthly

5.70% p.a.

6.41% p.a.

6.97% p.a.

Quarterly

5.73% p.a.

6.44% p.a.

7.01% p.a.

Half-yearly

5.77% p.a.

6.49% p.a.

7.08% p.a.

Annual

5.85% p.a.

6.60% p.a.

7.20% p.a.


Special FD interest rates for cumulative deposits

Tenor in months

15

18

22

30

33

44

At Maturity

6.05% p.a.

6.15% p.a.

6.30% p.a.

6.70% p.a.

6.95% p.a.

7.35% p.a.


Special FD interest rates for non-cumulative deposits

Tenor in months

15

18

22

30

33

44

Monthly

5.89% p.a.

5.98% p.a.

6.13% p.a.

6.50% p.a.

6.74% p.a.

7.11% p.a.

Quarterly

5.92% p.a.

6.01% p.a.

6.16% p.a.

6.54% p.a.

6.78% p.a.

7.16% p.a.

Half Yearly

5.96% p.a.

6.06% p.a.

6.20% p.a.

6.59% p.a.

6.83% p.a.

7.22% p.a.

Annual

6.05% p.a.

6.15% p.a.

6.30% p.a.

6.70% p.a.

6.95% p.a.

7.35% p.a.


Rate benefits basis customer category (w.e.f June 14, 2022)

  • Additional rate benefit up to 0.25% p.a. for senior citizens

Frequently asked questions

What is the minimum amount for investing in a Bajaj Finance Fixed Deposit?

You can start saving with just Rs. 15,000 in a Bajaj Finance Fixed Deposit or start saving with just Rs. 5,000 per month in a Systematic Deposit Plan.

Bajaj Finance Limited has changed the FD rates. Will the new rate apply to my existing deposit?

No. Since you have locked in your money with us at a specific rate, you will continue to receive that rate till maturity.

Can I withdraw from my fixed deposit before maturity?

Yes, you can withdraw from your fixed deposit after a minimum lock-in period of 3 months. However, this may lead to loss of interest, which can be avoided by taking a loan against a fixed deposit at nominal interest rates.

What are the benefits of the Bajaj Finance Fixed Deposit?

The Bajaj Finance Fixed Deposit offers a host of benefits, such as:

  • The minimum deposit amount is Rs. 15,000
  • Rated FAAA/ Stable by CRISIL and MAAA/ Stable by ICRA, which means the highest safety of your money
  • Attractive rate of interest for your money to grow periodically.
  • Choose an investment tenor from 12 to 60 months
  • Branch presence across over 1,000 locations in India
  • Access to all product details on our customer portal – Experia
  • The flexibility of payment options through electronic or physical modes
  • Special rates for senior citizens, existing customers and group employees
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