Trusted by 5 lakh+ customers
AAA rated by CRISIL & ICRA
A fixed deposit (FD) helps you grow savings securely with assured returns. Bajaj Finance FDs offer interest rates of up to 7.75% flexible tenure options, and a quick, paperless online process
Fixed Deposit Calculator
Plan your investments betterFixed deposit variants we offer
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FD For Individual - Senior Citizen
Enjoy peace of mind with Bajaj Finance Fixed Deposit—offering secure, high-yield investments with interest rates up to 7.75% p.a., including additional benefit for senior citizens of up to 0.35% p.a. Perfect for those seeking both safety and superior returns.
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FD For Individual - Non-Senior Citizen
Maximise your savings with Bajaj Finance Fixed Deposit—earn assured returns of up to 7.40% 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, with special higher-rate periods available. Enjoy assured returns with interest payouts at maturity or regular intervals—your choice, your advantage.
Features and benefits of our fixed deposit
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Earn secured returns up to 7.75% p.a.
Get the highest interest rate on a tenure of 31 to 60 months. The longer you invest, the more returns you get.
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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
Our 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 Service
Manage your FD online. Download your Fixed Deposit Receipt (FDR), Interest Certificate (IC), Statement of Accounts (SOA) and other relevant documents.
Login to Service -
Loan Against your Fixed Deposit (LAFD)
You can obtain 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 for fixed deposit
Anyone can book our fixed deposit if they meet the basic criteria mentioned below.
- Nationality: Resident Indians / Non-Resident Indians
- Investor Type: Corporate, Individuals, Senior Citizens, Minors, Sole Proprietorships, Partnership Firms, HUFs, Clubs, Associations, Societies, and Family Trusts
Documents required
- PAN and any KYC document: Aadhaar card/Passport/Driving license/Voter ID
*Documents can also be fetched from registered KYC.
You can update KYC Via CKYC, OKYC & VCIP
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
How to invest in a fixed deposit?
A step-by-step guide to invest in a fixed deposit
1. Visit the Bajaj Finance website or download the app from Google Play Store or App Store
2. Navigate to 'Investments' and click on 'All Investments' on the home page
3. Click on 'Fixed Deposit' icon. You will be redirected to the Fixed Deposit (FD) page
4. Click on ‘OPEN FD’. The online application form will open
5. Enter your 10-digit mobile number and verify the OTP sent to your phone
6. Fill in the investment amount, choose the investment tenure and the payout frequency. Enter your PAN card and date of birth
7. Complete your KYC
- If you are an existing customer, confirm the details available with us, or edit to make any changes
- For new customers, complete your KYC using Aadhaar Card
8. A declaration will be displayed. Please read it carefully and agree to the terms and conditions
9. Enter your bank details and proceed to pay
10. Complete your investment using NetBanking/ UPI or NEFT/ RTGS
Once your fixed deposit is booked, you will receive the Fixed Deposit Acknowledgement (FDA) on your registered email address and as a link on your mobile number. An Electronic Fixed Deposit Receipt (e-FDR) will also be sent to your email ID within 3 working days (subject to documents being in the correct order)
How to renew your fixed deposit?
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You have the option to renew your FD up to 24 hours before maturity. Follow the 6 steps below:
Sign in to our Customer Portal – Service, with your registered date of birth, mobile number, and OTP.
Click on ‘Your relations’, available on your home page. Click on ‘View All’ to see all your relationships with us.
Of all your relationships, select the fixed deposit that you want to renew, and click on ‘Renew now’.
All the details about your FD, including interest rate and maturity amount, will be shown along with the bank details. Click on ‘PROCEED’.
Choose from the three renewal options – ‘Principal’, ‘Principal + Interest’ or ‘Partial Renewal’. Also, select the payout frequency and tenure.
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 a savings instrument offered by banks and NBFCs where you invest a lump sum amount for a specific tenure at a fixed interest rate. The returns are predetermined at the time of investment, making FDs a relatively stable option for predictable earnings. The interest earned depends on factors such as the deposit amount, tenure selected and the rate offered by the financial institution.
Bajaj Finance offers flexible tenure options to all customers. While investing, you can choose any tenure from 12 months to 60 months. The interest rate for each investment varies based on the tenure selected by the investor.
Bajaj Finance allows the option of premature withdrawal for all fixed deposit holders, enabling them to close their FD after the completion of 3 months from the interest start date. A penalty will be applied as per RBI guidelines.
There is no limit to the number of fixed deposits you can hold with Bajaj Finance. You can book multiple FDs with different amounts, tenures and payout options to build an FD ladder - a useful way to keep liquidity while locking in rates.
Customers looking for online FD booking can invest between Rs. 15,000 to Rs. 3 crore in Bajaj Finance Fixed Deposit.
For offline investors, there is no upper limit to the investment amount.
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 Bajaj Finance Fixed Deposit is easy. You can invest in FD via either online or offline mode. You can invest offline through your nearest branches or our representatives.
Yes, investing in Bajaj Finance Fixed Deposit is safe. It is accredited with [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings, which indicate the highest level of safety and lowest investment risk.
Fixed deposits are considered among the safest investments because returns are fixed at booking and do not depend on market movements. The safety of a company FD rests on the issuer's credit rating - Bajaj Finance FDs carry CRISIL AAA/STABLE and [ICRA]AAA(Stable), the highest safety grades, indicating the highest degree of certainty on timely payment of interest and principal. (Also retitle the question to 'Why is an FD considered one of the safest investments?' - no investment should be called THE safest.)
Bajaj Finance FD have been rated CRISIL AAA/STABLE and [ICRA]AAA(Stable). Fixed Deposit is one of the safest investment options in India as it enables the depositor to take control of the investments with great flexibility and offers profitable returns.
Bajaj Finance offers attractive FD rates of up to 7.40% p.a. for customers below 60 years and up to 7.75% p.a. for senior citizens.
The exact rate depends on the tenure and type of FD you select.
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.
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 7.75% p.a. for senior citizens and up to 7.40% p.a. for individuals below 60 years.
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.
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.
Yes. TDS at 10% is deducted on Bajaj Finance FD interest once it exceeds Rs. 10,000 in a financial year - the threshold applicable to company/NBFC deposits (bank FDs have a higher Rs. 50,000 / Rs. 1 lakh senior-citizen threshold). Without a PAN, TDS is deducted at 20%. If your total income is below the taxable limit, submit Form 121 (which replaced Form 15G/15H from April 2026) to receive interest without deduction. TDS is adjusted against your final tax liability when you file your return.
Yes, a minor can open a Bajaj Finance Fixed Deposit through a parent or legal guardian. The guardian manages the deposit until the minor reaches the age of majority. The account must comply with the applicable documentation and eligibility requirements during account opening.
If you do not renew your Bajaj Finance Fixed Deposit after maturity, the maturity proceeds are generally processed according to the maturity instructions provided at the time of booking. To continue earning returns through an FD, you should reinvest or book a new Fixed Deposit after maturity.
Senior citizens can enjoy higher interest rates on Bajaj Finance Fixed Deposits compared to regular depositors, helping maximise their savings. They also benefit from flexible investment tenures, predictable returns, and the safety of fixed earnings, making FDs suitable for retirement-focused financial planning.
To open a senior citizen Fixed Deposit with Bajaj Finance, an individual must generally be 60 years of age or above and meet the prescribed KYC and documentation requirements. Eligible resident Indian senior citizens can invest and avail of the applicable senior citizen interest rate benefits.
No - DICGC insurance (up to Rs. 5 lakh per depositor per bank) covers only bank deposits. Company FDs like the Bajaj Finance Fixed Deposit are instead assessed on the issuer's credit strength, which is why ratings matter: Bajaj Finance FDs carry CRISIL AAA/STABLE and [ICRA]AAA(Stable), the highest safety ratings a corporate deposit can hold. Bajaj Finance Limited is an RBI-registered deposit-taking NBFC and has an unblemished record of timely repayment of deposits.
With a non-cumulative FD paying interest monthly, a Rs. 10 lakh deposit at 7.2% p.a. gives approximately Rs. 6,000 per month before TDS (Rs. 10,00,000 x 7.2% / 12). At maturity, your full Rs. 10 lakh principal is returned. Monthly-payout FDs carry a slightly lower rate than cumulative FDs of the same tenure, since interest is paid out instead of compounding - use the FD calculator above to compare payout options at current rates.
No. The interest rate on a fixed deposit is locked in on the day your FD is booked and stays fixed for the entire tenure, regardless of subsequent rate changes by the RBI or the issuer. Rate revisions apply only to new deposits and renewals. This rate lock works both ways - your returns are protected if rates fall, but do not increase if rates rise, which is why many investors ladder multiple FDs across tenures.
The online application takes only a few minutes - enter your mobile number and OTP, fill in the amount, tenure and payout frequency, complete Aadhaar-based KYC, and pay via NetBanking, UPI or NEFT/RTGS. Your FD is booked within one hour of the amount being received (subject to document verification), you receive the Fixed Deposit Acknowledgement immediately on email and SMS, and the Electronic Fixed Deposit Receipt (e-FDR) follows within 3 working days.
Disclaimer
As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.
For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.