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Bajaj Finance offers attractive Fixed Deposit interest rates of up to 7.40% p.a. for non-senior citizens, and up to 7.95% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.55% p.a.
FD Calculator
Plan your investments better
FD rates for customers below the age of 60
Fixed Deposit annualised rate of interest for customers below the age of 60 is valid for deposit amounts from Rs. 15,000 to Rs. 3 crore (w.e.f 16 May, 2025) exclusively on website and app.
Non-Senior Citizens
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 12 - 14 | 7.00% | 6.79% | 6.82% | 6.88% | 7.00% |
| 15 - 23 | 7.35% | 7.11% | 7.16% | 7.22% | 7.35% |
| 18 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
| 22 | 7.30% | 7.07% | 7.11% | 7.17% | 7.30% |
| 24 – 60 | 7.25% | 7.02% | 7.06% | 7.12% | 7.25% |
| 33 | 7.20% | 6.97% | 7.01% | 7.08% | 7.20% |
FD rates for customer above the age of 60
Fixed Deposit annualised rate of interest for senior citizens is valid for deposit amounts from Rs. 15,000 to Rs. 3 crore (w.e.f 16 May, 2025) exclusively on website and app.
Senior Citizens
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 12 - 14 | 7.55% | 7.30% | 7.35% | 7.41% | 7.55% |
| 15 - 23 | 7.90% | 7.63% | 7.68% | 7.75% | 7.90% |
| 18 | 7.95% | 7.67% | 7.72% | 7.80% | 7.95% |
| 22 | 7.85% | 7.58% | 7.63% | 7.70% | 7.85% |
| 24 - 60 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
| 33 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
Fixed deposit for your future plans
Deposit variants we offer
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FD for Individuals - Senior Citizen
Enjoy peace of mind with Bajaj Finance Fixed Deposit—offering secure, high-yield investments with interest rates up to 7.95% p.a., including an exclusive 0.55% p.a. additional benefit for senior citizens. Perfect for those seeking both safety and superior returns.
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FD for Individuals - Non-Senior Citizen
Maximise your savings with a Bajaj Finance Fixed Deposit—earn assured returns of up to 7.40% p.a. on a secure investment for 18 months. Ideal for individuals seeking stable and rewarding growth.
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FD For Non-Individuals
Grow your business or build family wealth with Bajaj Finance Fixed Deposits—starting from just Rs. 15,000. Choose flexible tenures from 12 to 60 months, with special higher-interest periods available. Enjoy assured returns with interest payouts at maturity or regular intervals—your choice, your advantage.
Features and benefits of our fixed deposit
00:34
Features and benefits of our Fixed Deposit
Watch this video to know more about the key features of a Bajaj Finance Fixed Deposit
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Higher FD rates on our special tenure
We offer higher FD rates on special tenures of 18, 22 and 33 months.
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Earn secured returns up to 7.95% p.a.
Get the highest interest rate on a tenure of 18 months. Use the Fixed Deposit Calculator to estimate your potential income and make an informed decision.
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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 0.55% 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 (My Account)
Manage your FD online. Download your Fixed Deposit Receipt (FDR), Interest Certificate (IC), Statement of Accounts (SOA) and other relevant documents.
Login to My Account -
Loan Against your Fixed Deposit (LAFD)
You can raise 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
Anyone can book our fixed deposit if they meet the basic criteria mentioned below.
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Nationality
Resident Indians
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Investor Type
Individuals, Senior Citizens
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Documents Required
PAN and any KYC document: Aadhaar card/Passport/Driving license/Voter ID
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*Documents can also be fetched from registered KYC.
You can update KYC Via CKYC, OKYC & Digi locker
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.
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Did you know?
Customers above 60 years of age can enjoy interest rate up to 7.95% p.a. with Bajaj Finance Fixed Deposits
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Did you know?
Customers below 60 years of age can enjoy interest rate up to 7.40% p.a. with Bajaj Finance Fixed Deposits
How to invest in a fixed deposit?
01:00
How to renew your fixed deposit ?
You have the option to renew your FD up to 24 hours before maturity. Follow the 6 steps below:
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Step 1:
Sign in to our Customer Portal – My Account with your registered date of birth, mobile number, and OTP.
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Step 2:
Click on ‘My Relations’, available on your home page. Click on ‘View All’ to see all your relationships with us.
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Step 3:
Of all your relationships, select the fixed deposit that you want to renew, and click on ‘Renew your Fixed Deposit’.
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Step 4:
All the details about your FD, including interest rate and maturity amount, will be shown along with the bank details. Click on ‘PROCEED’.
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Step 5:
Choose from the three renewal options – ‘Principal’, ‘Principal + Interest’ or ‘Partial Renewal’. Also, select the payout frequency and tenure.
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Step 6:
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 financial investment provided by banks and NBFCs, offering customers assured returns. The returns are determined based on the interest rate applicable at the time of opening the FD account. These interest rates may vary depending on the chosen tenure and deposit amount.
The highest interest rates on Bajaj Finance Fixed Deposits can go up to 7.40% p.a. for customers below 60 years and up to 7.95% p.a. for senior citizens, depending on the tenure and type of FD chosen.
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 also offers special returns on special tenures of 18, 22,and 33 months.
The minimum amount for investing in a fixed deposit with Bajaj Finance is Rs. 15,000.
Bajaj Finance allows Fixed Deposit holders to withdraw their deposits prematurely after 3 months from the deposit date. Exceptions apply for death cases and urgent financial needs such as medical emergencies (critical illness), natural calamities, and disasters. In such cases, partial withdrawal is allowed up to 50% of the principal amount or ₹5 lakh, whichever is lower.
There is no limit to the number of deposits you can make with Bajaj Finance Fixed Deposit. Presently Bajaj Finance offers one of the highest interest rates, up to 7.95% p.a. for senior citizens, while customers below 60 years of age can get interest rate up to 7.40% p.a.
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.
The tenure for Bajaj Finance Fixed Deposit ranges from 12 to 60 months.
In India, FDs have gained popularity as a means of saving money. These low-risk investments come with a fixed interest rate on your deposit. They are a safe and secure option, and opening an FD is hassle-free.
With the highest credit ratings of CRISIL AAA/STABLE and [ICRA]AAA(STABLE), Bajaj Finance offers FD rates of up to 7.95% p.a. for senior citizens, while customers below 60 years of age can earn up to 7.40% p.a. with the Bajaj Finance FD.
Bajaj Finance offers several types of Fixed Deposits, including cumulative and non-cumulative options. Cumulative FDs pay interest at maturity, while non-cumulative FDs offer periodic interest payouts, such as monthly, quarterly, half-yearly, or annually.
Individuals, including residents, NRIs, senior citizens, and minors with a guardian, can invest in Bajaj Finance Fixed Deposits. Both salaried and self-employed individuals are eligible, provided they meet the necessary documentation requirements.
The following individuals and entities can open a fixed deposit online:
- Indian Residents
- Hindu Undivided Families (HUFs)
- Sole Proprietorships
- Partnership Firms
- Limited Companies
- Trusts
- Non-Resident Indians (NRIs)
- Minors (with a guardian)
Note: To open an FD online, you'll need a KYC-verified savings account.
Renewing your Fixed Deposit (FD) with Bajaj Finance is a straightforward process that can be completed online through the My Account portal. Here's how:
Steps to Renew Your Fixed Deposit Online:
1. Access My Account:
- Visit the Bajaj Finance website and click on the 'Sign-in' button.
- Enter your registered mobile number and submit the OTP to log in.
2. Navigate to FD Renewal:
- Once logged in, select 'My Relations' to view your accounts.
- Choose the specific FD you wish to renew.
- Click on 'Renew your FD' under the 'Quick Actions' section.
3. Select Renewal Preferences:
- Review your current FD details.
- Choose the renewal amount, tenure, and interest payout option as per your preference.
4. Confirm and Authenticate:
- Verify all entered details.
- Submit the renewal request.
- An OTP will be sent to your registered mobile number (and to the joint account holder's number, if applicable).
- Enter the OTP to authenticate and complete the renewal process.
To calculate the interest on your Fixed Deposit, you can use an FD calculator. This tool helps you estimate the interest you'll earn based on your deposit amount, interest rate, and tenure. Simply input these details into the calculator, and it will display the interest amount and the maturity value of your Fixed Deposit. This is an easy way to plan your investments and understand the returns you can expect.
Here are the benefits of investing in an FD:
- Guaranteed Returns: FDs offer a fixed interest rate, ensuring a certain return on your investment.
- Low Risk: FDs are considered a low-risk investment option, making them suitable for risk-averse investors.
- Tax Benefits: Some FDs, like tax-saving FDs, offer tax benefits under Section 80C of the Income Tax Act.
- Liquidity: While FDs have a fixed tenure, you can often break them early, though you might incur a penalty.
- Loan Security: FDs can be used as collateral to secure loans.
- Flexibility: FDs offer various tenures and interest payment options to suit different financial goals
Yes, you can take a loan against your FD. Many banks offer loans against fixed deposits. This can be a convenient way to access funds without liquidating your investment. However, the loan amount is typically a percentage of the FD value, and interest rates may be higher than regular personal loans.
Long-term verses short-term deposits
The importance of safe investments
Four ways to make the most of your Fixed Deposit
How Fixed Deposits support financial independence
How to choose the right tenure
Fixed Deposits versus other investment options
What is the eligibility criteria for our FD
Step-by-step guide to opening a Fixed Deposit
Common mistakes to avoid while investing in FD
Understanding the application process of FD
