Fixed Deposit
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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.
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
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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
Achieve your financial goals with 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.
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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.
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
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.
How to invest in a fixed deposit?
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
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.
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 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.
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.