ROI up to 6.75%* on FD


Is an FD the Best Investment Option in India?

  • Highlights

  • FDs are ideal to finance post-retirement life

  • They help balance a high-risk portfolio

  • They can be used as collateral for a loan

  • They are an excellent tool to create wealth

When you’re building your investment portfolio, it is important to evaluate all the options available to you before selecting a few to ensure that you benefit from maximum returns. Here, it is crucial that you remember that no one option will allow you to meet allyour investment goals.

However, picking the right ones will allow you to to maximise your wealth in a time-efficient manner. One such instrument is a fixed deposit.Here is a look at some situations where investing in an FD can serve as the best choice for you.

Bajaj Finserv Fixed Deposit

If you are a seeking retirement

If you are a seeking retirement You should plan your retirement in a very thorough manner, as early as you can. Planning in advance helps you stay invested for a longer period of time, thereby increasing your income once you retire. A high-yielding FD such as the one by Bajaj Finance will allow you to accomplish your post-retirement goals with ease.

It is backed by ICRA’s MAAA (stable) rating and CRISIL’s FAAA/Stable rating, and can fetch you interest upto 6.75%. Choosing the non-cumulative FD over a cumulative fixed deposit will help you access interest at periodic intervals of your choice. This feature is especially beneficial when it comes to financing post-retirement life.

If you want to balance a high-risk portfolio

You may be weary of high-risk investment options such as mutual funds and equity, or may have a portfolio that already has high-risk investments. In either case, you can turn to fixed deposits to add more safety and stability to your portfolio. Since market forces don’t affect them, they are risk-free.

Reasons to invest in Fixed Deposits Bajaj Finance

If you are looking at long-term growth

If you are an investor looking at growing your funds over a long period of time such as 5 or 10 years, fixed deposits are ideal for you. By choosing a cumulative fixed deposit, you can compound the interest and allow your funds to grow steadily over the years.So, whether you’re investing with the aim of building a corpus or are saving up to buy a home or a car, if your goals are long term, a fixed deposit serves as the ideal investment instrument.

If you are a business owner

As a business owner who has some money to spare, fixed deposits are the best place to park these surplus funds. Instead of putting them in a savings account where they earn a meagre 4%–5% interest, invest them in an FD to earn around 6.75% as interest. Besides, you can use your fixed deposit to avail a loan in the future if you need funds on an urgent basis. In such a situation, the FD will act as collateral.
With scores of advantages, including fixed deposits in your investment mix is definitely a smart decision. Regardless of how much you can afford to invest, you can open a fixed deposit with as little as Rs.25,000 and reap its benefits.

DISCLAIMER: The mentioned fixed deposit interest rates are indicative only, and may be subject to change periodically. Please check the interest rates on our website.

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Product Extension

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