Features and benefits of our fixed deposit
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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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Bajaj Finance Digital FD – Interest Up To 8.85% p.a.
Unlock higher returns, earning up to 8.85% p.a., with the Bajaj Finance Digital FD for 42 months — available exclusively on our website and app.
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Higher FD rates on our special tenure
We offer higher FD rates on our special tenures of 18, 22, 33, 42 and 44 months.
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Earn secured returns up to 8.85% p.a.
Get the highest interest rate on a tenure of 42 months. The longer you invest, the more returns you get.
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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 0.40% 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 75% of your invested amount and 60% of your FD in case of non-cumulative FD.
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 of up to Rs. 5 crore (03 Apr, 2024)
Bajaj Finance Digital FD
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 42* | 8.60% | 8.28% | 8.34% | 8.42% | 8.60% |
Customers below the age of 60 – Special Period
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 18* | 7.80% | 7.53% | 7.58% | 7.65% | 7.80% |
| 22* | 7.90% | 7.63% | 7.68% | 7.75% | 7.90% |
| 33* | 8.10% | 7.81% | 7.87% | 7.94% | 8.10% |
| 44* | 8.25% | 7.95% | 8.01% | 8.09% | 8.25% |
Customers below the age of 60 – Regular Period
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 12 - 14 | 7.40% | 7.16% | 7.20% | 7.27% | 7.40% |
| 15 - 23 | 7.50% | 7.25% | 7.30% | 7.36% | 7.50% |
| 24 - 35 | 7.80% | 7.53% | 7.58% | 7.65% | 7.80% |
| 36 - 60 | 8.10% | 7.81% | 7.87% | 7.94% | 8.10% |
FD rates for customers above the age of 60
Fixed Deposit Annualized rate of interest for senior citizens valid for deposit of up to Rs. 5 crore (03 Apr, 2024)
Bajaj Finance Digital FD
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 42* | 8.85% | 8.51% | 8.57% | 8.66% | 8.85% |
Senior Citizen – Special Period
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 18* | 8.05% | 7.77% | 7.82% | 7.89% | 8.05% |
| 22* | 8.15% | 7.86% | 7.91% | 7.99% | 8.15% |
| 33* | 8.35% | 8.05% | 8.10% | 8.18% | 8.35% |
| 44* | 8.50% | 8.19% | 8.24% | 8.33% | 8.50% |
Senior Citizen – Regular Period
| Tenure in |
months At maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half yearly (p.a.) |
Annual (p.a.)
|
|
|---|---|---|---|---|---|
| 12 - 14 | 7.65% | 7.39% | 7.44% | 7.51% | 7.65% |
| 15 - 23 | 7.75% | 7.49% | 7.53% | 7.61% | 7.75% |
| 24 - 35 | 8.20% | 7.91% | 7.96% | 8.04% | 8.20% |
| 36 - 60 | 8.35% | 8.05% | 8.10% | 8.18% | 8.35% |
Frequently asked questions
You can start saving with just Rs. 15,000 in Fixed Deposit or start saving with just Rs. 5,000 per month in a Systematic Deposit Plan.
No. Since you have locked booked your FD with us at a specific rate, you will continue receiving that rate until maturity.
Yes, you can withdraw from your fixed deposit after a minimum lock-in period of 3 months. However, this may lead to a loss of interest, which can be avoided by taking a loan against a fixed deposit at nominal interest rates.
The Bajaj Finance Limited Fixed Deposit offers a host of benefits, such as:
- The minimum deposit amount is Rs. 15,000
- Rated AAA/ Stable by CRISIL and AAA/ Stable by ICRA, which means the highest safety of your money
- Attractive rate of interest for your money to grow periodically.
- Choose an investment tenure from 12 to 60 months
- Branch presence across over 1,000 locations in India
- Access to all product details on our customer portal – My Account
- The flexibility of payment options through electronic or physical modes
- Special rates for senior citizens
