4 min
23-May-2025
Whether you are planning to save for a short-term goal or just want your idle money to work harder, Fixed Deposits are a reliable go-to. But when it comes to choosing between a Regular FD and an Auto-Sweep FD, the decision depends on how hands-on you want to be.
This guide breaks it down—so you can grow your savings smarter, safer, and faster.
Why it works:
Why it’s smart:
Want a better view of returns?Use our FD Calculator to compare FD returns as per tenure by Bajaj Finance. Start investing now!
Don’t let your money sit idle.Check FD Rates offered by Bajaj Finance on their AAA rated FDs (up to 7.95% p.a.) and see how much more you could earn today.
This lets your FD break automatically in parts (starting from the last sweep made) when your savings account balance falls below the minimum. It’s perfect for those who want both growth and flexibility.
Want flexibility and fixed returns?Open FD that fits your liquidity and growth needs—risk-free. Check out Bajaj Finance FDs today.
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Many investors even use both—parking emergency funds in auto-sweep FDs and long-term savings in regular FDs.
Also Read: Difference between Regular FD and Tax Saver FD
Calculate yo
This guide breaks it down—so you can grow your savings smarter, safer, and faster.
What is a Regular Fixed Deposit?
A Regular Fixed Deposit (FD) is a simple investment where you deposit a lump sum for a fixed tenure and earn interest at a pre-decided rate.Why it works:
- Guaranteed returns with zero market risk
- Flexible tenure options (from 1 month to 5 years+)
- Interest payout options: cumulative or periodic
- Suitable for long-term savings and capital protection
Component – Fixed deposit variants:-
For Web :–Topic | Mandatory/ Optional | Char Limit | Content |
Heading Text <H2> | Fixed deposit variants | ||
Description text | Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD | ||
Nudge 1 | Mandatory | New Product | |
Text 1 | Mandatory | FD Max | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA | Mandatory | Invest Online | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 2 | Mandatory | Digital FDOnly on App/Web | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA | Mandatory | Invest Online | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 3 | %$$FDmaxintresttenureFD$$% | ||
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | https://www.bajajfinserv.in/investments/fixed-deposit | ||
Text 4 | Mandatory | FD - Age below 60 | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 5 | Mandatory | FD - Senior Citizen | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 6 | Mandatory | FD – Special Tenure | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
XF Path | /content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/fd-variant/fd-variant |
What is an Auto-Sweep FD?
An Auto-Sweep FD is a facility where your savings account is linked to an FD. When your savings cross a certain threshold, the extra funds are automatically “swept” into an FD—earning higher interest without any action from you.Why it’s smart:
- Earns better returns on idle savings
- Maintains liquidity through reverse sweep
- Automatically manages fund flow based on thresholds
- Ideal for salaried or self-employed users who maintain surplus balances
Regular FD vs Auto-Sweep FD: What’s the Difference?
Feature | Regular FD | Auto-Sweep FD |
Setup | Manual lump sum deposit | Automatic transfer from savings account |
Returns | Fixed, predictable returns | Variable—based on amount swept in |
Liquidity | Less liquid (penalty on early withdrawal) | More liquid (reverse sweep available) |
Best For | Long-term savings and income generation | Short-term idle funds with flexible access |
Want a better view of returns?Use our FD Calculator to compare FD returns as per tenure by Bajaj Finance. Start investing now!
Interest Flexibility: What You Should Know
- Regular FD: You can choose cumulative (interest + principal at maturity) or non-cumulative (monthly/quarterly payouts).
- Auto-Sweep FD: Interest is only earned on the amount that gets swept into the FD—not your full savings account balance. It is dynamic, and not ideal for long-term fixed growth.
Don’t let your money sit idle.Check FD Rates offered by Bajaj Finance on their AAA rated FDs (up to 7.95% p.a.) and see how much more you could earn today.
Liquidity & Withdrawal Options
Premature Withdrawal:- Regular FD: Allowed, but with a penalty on interest
- Auto-Sweep FD: Partial withdrawal possible through reverse sweep, with no manual effort
This lets your FD break automatically in parts (starting from the last sweep made) when your savings account balance falls below the minimum. It’s perfect for those who want both growth and flexibility.
Want flexibility and fixed returns?Open FD that fits your liquidity and growth needs—risk-free. Check out Bajaj Finance FDs today.
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Topic | Mandatory/ Optional | Char Limit | Content to update on page |
Heading Text | Mandatory | 90 Char | Highest Credit Ratings | Trusted with 1.4 million Deposits | Assured Returns on FD |
CTA Text | Mandatory | 40 Char | Open FD |
CTA Link | Mandatory | https://www.bajajfinserv.in/webform/Deposit/depositLandingPage#fd | |
Nudge 1 | Mandatory | New Product Launch | |
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Bajaj Finance FD Max |
Value | 10 | Up to %$$FDMAX-senhighest-interestFD$$% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Flexible Tenure |
Value | 10 | 12-60 months | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDmindepositFD$$% to %$$FDMAXmaxdepositFD$$% | |
Nudge 2 | Mandatory | Only on Website and App | |
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Bajaj Finance Digital FD* |
Value | 10 | Up to 8.40% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Tenure |
Value | 10 | %$$FDmaxintresttenureFD$$% | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDexistingmindepositFD$$% to %$$FDnewmaxdepositFD$$% | |
Nudge 3 | Mandatory | Regular FDs | |
Title 3 (Senior Citizen) R2 | Mandatory | 17 Char | Interest Rate* |
Value | 10 | Up to 8.25% p.a. | |
Title 1 (Max Deposit) R2 | Mandatory | 20 Char | Flexible Tenure |
Value | 12-60 months | ||
Title 2 (Max Tenor) R2 | Mandatory | 20 Char | Deposit Amount |
Value | %$$FDexistingmindepositFD$$% to %$$FDnewmaxdepositFD$$% | ||
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Bajaj Finance FD Max |
Value | 10 | Up to %$$FDMAX-senhighest-interestFD$$% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Flexible Tenure |
Value | 10 | 12-60 months | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDmindepositFD$$% to $$FDMAXmaxdepositFD$$% | |
Field 1 | Enter your mobile number | ||
Field 2 | Please enter your 10-digit mobile number to proceed | ||
Disclaimer text | Mandatory | By proceeding, you agree to ourTerms and Conditions | |
XF Path | /content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/form-widget/master |
Which One Should You Choose?
If You Want... | Go For... |
Capital safety + assured returns | Regular FD |
Liquidity + automated interest | Auto-Sweep FD |
To plan financial goals | Regular FD |
Convenience for surplus money | Auto-Sweep FD |
Many investors even use both—parking emergency funds in auto-sweep FDs and long-term savings in regular FDs.
Also Read: Difference between Regular FD and Tax Saver FD
Calculate yo