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How Does a Fixed Deposit Work?

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How do Fixed Deposits work in India?

While working hard to earn more money, wouldn’t it be a blessing to put your money to work and multiply too? Well, this is where strategic investment decisions can help you grow your money and earn stable returns. However, not all investment options offer assured returns.

Fixed deposits are however, an excellent investment option for risk-averse investors who are looking for stable returns. They can be used to hedge against inflation and lock away money for your future.

How you earn money with FDs?

When you invest in fixed deposits, you lock away your funds for a fixed period, and the principal sum deposited helps you earn interest on a cumulative basis. This means that after every specific time interval, the interest earned on your fixed deposits gets added to your principal amount, which results in incremental growth of interest earned after every specific interval.

Hence, all you need to do is watch your investments grow over time, and you can sit back and multiply your savings. Company FDs such as Bajaj Finance Fixed Deposits help you earn more returns, as you can look for higher interest rates, which translate to greater growth of your savings.

With Bajaj Finance FDs, you can unlock a suite of exciting features and benefits, some of which are listed below:


    Safety and security of your funds with top stability ratings from CRISIL and ICRA


    Higher interest rate for senior citizens, to help them grow their savings faster


    Greater interest rate on renewal of your existing fixed deposits, which helps you accumulate all the higher returns you’ve earned and grow them more at a cumulative pace


    Flexible tenor, which helps you ladder your savings and manage multiple fixed deposits diversified across different tenors


    Flexibility to choose periodic interest payouts, so you can manage your regular expenses easily



You can start investing with Bajaj Finance Fixed Deposits, with just Rs. 25,000. This can help you lock away your funds and gain higher dividends with greater ease.

In case of any confusion, contact Bajaj Finance Customer Care.

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