Fixed Deposit

The Bajaj Finance Fixed Deposit has the highest safety and credibility ratings, assuring the security of your invested amount. Apart from the regular interest rates, we offer higher interest rates on special tenure of 18, 22 and 33 months. While increasing FD rates impact your earnings, so does your investment tenure. A longer tenure for your fixed deposit means that you invest for a longer time to enjoy the power of compounding returns.

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Pro tip

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.

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FD calculator

Fixed Deposit Calculator

Plan your investment 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%

Deposit variants we offer

  • FD for Individuals - Senior Citizen

    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.

  • FD for Individuals - Non-Senior Citizen

    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.

  • FD For Non-Individuals

    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

Achieve your financial goals with Fixed Deposit 00:41 ‌

Achieve your financial goals with Fixed Deposit

  • FD features

    Higher FD rates on our special tenure

    We offer higher FD rates on special tenures of 18, 22 and 33 months.

  • Earn secured returns up to 7.95% p.a.

    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.

  • FD features

    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.

  • FD features

    Highest credit ratings

    Our highest [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings ensure that your deposits are secured with us.

  • FD features

    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).

  • FD features

    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.

  • FD features

    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. 

  • FD features

    Loan Against your Fixed Deposit (LAFD)

    You can raise a loan against your fixed deposit. For cumulative deposit, loan of up 75% of your invested amount and 60% of your FD in case of non-cumulative FD.

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Eligibility criteria and documents required

Anyone can book our fixed deposit if they meet the basic criteria mentioned below.

  • Nationality

    Nationality

    Resident Indians

  • Investor Type

    Investor Type

    Individuals, Senior Citizens

  • Documents Required

    Documents Required

    PAN and any KYC document: Aadhaar card/Passport/Driving license/Voter ID
    Latest photograph, PAN card, and any KYC document such as a driving license, passport, Aadhaar card, or Voter ID and account payee cancel cheque

  • *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

  • 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?

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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).

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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:

  • FD renewal

    Step 1:

    Sign in to our Customer Portal – My Account with your registered date of birth, mobile number, and OTP. 

  • FD renewal

    Step 2:

    Click on ‘My Relations’, available on your home page. Click on ‘View All’ to see all your relationships with us.

  • FD renewal

    Step 3:

    Of all your relationships, select the fixed deposit that you want to renew, and click on ‘Renew your Fixed Deposit’.

  • FD renewal

    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’.

  • FD renewal

    Step 5:

    Choose from the three renewal options – ‘Principal’, ‘Principal + Interest’ or ‘Partial Renewal’. Also, select the payout frequency and tenure.

  • FD renewal

    Step 6:

    Accept the Terms and Conditions and verify your renewal details using the OTP sent on your mobile number.

Frequently asked questions

What is a fixed deposit, and how does it work?

Fixed Deposit is an investment tool offered by banks and non-banking financial institutions (NBFCs), through which you can invest your money for a specific amount of time at a fixed interest rate.
When you invest in an FD, the financial institution assures you that it will return your money at the end of the tenure, often known as the maturity period, and will also pay you interest.

What is the tenure for investing in a Bajaj Finance FD?

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.

What is the minimum amount for investing in a fixed deposit?

The minimum amount for investing in a fixed deposit with Bajaj Finance is Rs. 15,000.

Can I withdraw from my fixed Deposit before maturity?

Bajaj Finance allows premature withdrawal option for fixed deposits to all the depositors, which allows them to close the FD before the scheduled maturity date.
Click Here to know more about how to avoid premature FD withdrawal.

How many deposits can I make with Bajaj Finance Fixed Deposit?

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.

How much can be deposited in a fixed deposit?

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.

Can I get monthly interest on FD?

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.

How can I invest in a fixed deposit?

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.

Is Bajaj Finance Fixed Deposit safe?

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.

What are the minimum and maximum investment tenure?

The tenure for Bajaj Finance Fixed Deposit ranges from 12 to 60 months.

Is it good to invest in FD now?

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.

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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.