FD calculator

Fixed deposit calculator

Plan your investments better

How to invest in mutual funds

Mutual Funds for a smart investor

Invest the smart way, with high returns and 0% commission.

  • A step-by-step guide to invest in mutual funds

    1. Click on INVEST. You will be redirected to the google play store/apple store.
    2. Download or Open the Bajaj Finserv app.
    3. Log in to your Bajaj Finserv account or sign up.
    4. Click on the ‘Investment’ tab at the top of the app and select ‘Invest Now’.
    5. Click on the mutual fund category i.e., tax savers, equity, debt, hybrid, and thematic, you want to explore.
    6. All the mutual funds of the particular category will be listed, along with the minimum investment amount, annualized return and rating.
    7. Verify your details using your PAN, date of birth.
    If your KYC is not complete, then you will have to upload your address proof and record a video. 
    8. Enter your bank account details.
    9. Upload your signature and provide some additional details to continue.
    10. Choose and select the mutual fund that you want to invest in.
    11. Choose whether you want to invest as SIP or lumpsum and enter the investment amount. Click on ‘Invest Now’
    12. Select your payment mode i.e., net banking, UPI, NEFT/RTGS.
    13. Once your payment is done, the investment will be complete.
    Your investment will start reflecting in your portfolio within 2-3 working days.

How to invest in a fixed deposit

Bajaj Finance Fixed Deposit

If you’re looking for a stable and high-yielding investment option, Bajaj Finance’s Fixed Deposit is your answer. Watch this video to know more about its key features.

  • A step-by-step guide to invest in a fixed deposit

    1. Click on ‘Open FD’ at the top of this page to open our online application form.
    2. Enter your 10-digit mobile number and verify the OTP sent to your phone.
    3. Fill in the investment amount, choose the investment tenure and the payout frequency. Enter your PAN card and date of birth.
    4. 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
    5. A declaration will be displayed. Please read it carefully and agree to the terms and conditions. Enter your bank details and proceed to pay.
    6. 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).

Frequently asked questions

Which investments fall under 80C?

80C allows investor to invest upto Rs. 1.5 lacs in various investment options. To avail tax exemption under 80C, you may invest in ELSS (tax saving) schemes of mutual funds through our platform/ app. To invest in tax saving schemes click here

Which investment gives the highest returns?

While selecting an investment avenue, you have to match your own risk profile with the associated risks of the product before investing. There are some investments that carry high risk but have the potential to generate higher inflation-adjusted returns than other asset class in the long term such as mutual funds, stocks. While some investments come with low-risk and therefore lower returns such as Fixed Deposits and Debt Mutual Funds.

There are multiple investment options offering high returns; some of the include:
a. Fixed Deposit
b. Systematic Deposit Plan
c. Mutual Funds

Why is investment important?

Investing is a successful approach to use your money and possibly increase your fortune. Your money may grow and outpace inflation if you make wise investment decisions. The power of compounding and the trade-off between risk and return is the main reasons investment has higher growth potential.

Why is FD the safest investment?

A fixed deposit is secure compared to market-dependent investment options like a mutual fund, SIP, and stock. Since a fixed deposit is not based on market expansion, its interest rate does not change over the course of its duration. Bajaj Finance FD rates have been rated AAA by CRISIL and ICRA. 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 guaranteed returns.

Know more about Fixed Deposit

What is AMC?

An Asset Management Company (AMC) is a business that manages client funds that are pooled together and invests them in a variety of assets, such as stocks, bonds, real estate, master limited partnerships, and other investments.

What is the FD rating?

Bajaj Finance FD rates have been rated AAA by CRISIL and ICRA. 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 guaranteed returns.

Can I get monthly interest on my investment?

When you invest in a fixed deposit, your money is locked in for the duration of the FD and you receive the interest. The investor can choose whether to receive such interest income regularly on a monthly, quarterly, half-yearly, or annual basis.

What are direct mutual fund plans?

Asset Management Company (AMC) offers two types of plan, i.e. Direct Plan and Regular Plan. Direct Plans are directly offered by a fund house, without the involvement of agents or third-party distributors. Such plans have a lower expense ratio than the regular plans. Apart from the expense ratio, everything else stays the same.

Difference in expense ratios between regular and direct plans can range from 0.5% to 1%. This difference directly affects the returns of regular and direct plans. If the expense ratio of a regular plan is 0.75% more than that of direct plan, then the direct plan will give 1% higher CAGR (compounded annual growth rate) return than the regular plan.

How to invest in stocks?

To invest in stocks, you need to open a Demat Account with us. Please click on “Open Account” using the <link> and follow below steps:
Step 1: Update personal, address and bank details
Step 2: Choose subscription plan and make payment
Step 3: Upload KYC documents
Step 4: Complete your video KYC
Step 5: E-sign through Aadhar & submit application

How to start a SIP?

To start a SIP, click on ‘Mutual Funds’ icon and select a scheme from 900+ direct plans for investment. You may choose to start your investment with as low as Rs. 100. Once done, add date of investment, SIP duration and select payment mode for first upfront instalment (UPI/ Netbanking/ NEFT).
• In case autopay is already approved, select the approved mandate from ‘Select AutoPay section. Your SIP once registered will automatically get deducted through this mandate
• In case autopay is incomplete/ not yet approved, you will be re-directed to Autopay setup page post first upfront instalment
 

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Disclaimer for Fixed Deposit

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.

Disclaimer for Mutual Funds

Bajaj Finance Limited (“BFL”) is a Non-Banking Financial Company carrying the business of acceptance of deposits, providing lending solutions to Retail & Corporate customers, and is a Corporate agent of various insurance Companies. BFL is also registered with the Association of Mutual Funds in India (“AMFI”) as a distributor of third party Mutual Funds (shortly referred as ‘Mutual Funds’). 

BFL does NOT:
(i) provide investment advisory services in any manner or form;
(ii) perform risk profiling of the investor;
(iii) carry customized/personalized suitability assessment;
(iv) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on ‘As-is’ basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme /Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities. The NAV will inter-alia be exposed to Price / Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other / better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences there of.

Disclaimer for Stock Trading

Stock trading business is carried by Bajaj Financial Securities Limited (“BFSL”), a broker and Deposit Participant registered with Securities Exchange Board of India and offers various Products/services related to Securities market (Securities market products/services). BFL merely facilitates display of weblink/mobile app of BFSL on its webpage / mobile application connect@bajajfinserv.in

When you opt to avail the Securities market products/services of BFSL by clicking on the BFSL weblink/mobile app, you will be redirected to BFSL’s web page/mobile app for initiation and completion of the transaction. You are supposed to exercise independent diligence by reading all the related documents carefully before deciding to invest in Securities market Products/services. Securities market Products/services are made available only at the discretion of BFSL and subject to the individual contractual terms and conditions of the respective Securities market products/ services. You shall be the sole owner of any decision to invest in any BFSL’s Securities market products/services.

Securities market products/ services may be withdrawn or amended at any time by BFSL without notice and your recourse in such case would be directly to reach out BFSL at connect@bajajfinserv.in

Bajaj Finance Limited (“BFL”) is a Non-Banking Financial Company carrying the business of acceptance of deposits and providing lending solutions to Retail and Corporate customers. BFL does not offer nor advice on Securities market products/services and shall not be liable or responsible for any of your investment decision.

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