MEDICAL ISSUES
It is safe to say that old age comes with the uncertainty of medical health. Your FD can take care of such healthcare-related expenses.
REGULAR INCOME
The returns from your FDs create a steady source of monthly income after retirement from the interest income itself.
TRAVEL EXPENSES
Now is the time to tick off all the boxes on your bucket list, visit places you always wanted to and perhaps go on to the pilgrimage too.
How to invest in a fixed deposit?
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Why invest in fixed deposits after retirement?
Retirement marks a new chapter in life—one that deserves financial stability and peace of mind. For senior citizens, ensuring a steady income and safeguarding savings from market fluctuations becomes a top priority. That is where Bajaj Finance Fixed Deposits (FDs) stand out — offering a perfect blend of safety, liquidity, and attractive returns, all backed by the highest safety ratings of CRISIL AAA/STABLE and [ICRA]AAA(Stable).
Here’s why investing in Bajaj Finance FDs after retirement is a smart choice:
1. Assured and Stable Returns
Unlike market-linked investments that fluctuate with economic changes, Bajaj Finance FDs offer guaranteed returns throughout the chosen tenure. You earn a fixed interest rate, ensuring predictable income every month, quarter, or year — ideal for retirees who value financial certainty.
2. Higher FD Rates for Senior Citizens
Bajaj Finance offers an additional interest rate of up to 0.35% p.a. for senior citizens, helping you earn more on your hard-earned savings. This added benefit ensures better returns without exposing your capital to any risk.
3. Flexible Tenures and Payout Options
With tenures ranging from 12 to 60 months, you can choose how long you wish to invest. You can also select between cumulative (interest paid at maturity) or non-cumulative (monthly, quarterly, half-yearly, or yearly payouts) options — giving you full control over your income flow.
4. Safe and Trusted Investment Avenue
Rated CRISIL AAA/STABLE and [ICRA]AAA(Stable), Bajaj Finance FDs represent the highest safety level for your investment. This means your post-retirement income is protected, allowing you to focus on enjoying life without financial worries.
5. Easy Liquidity and Loan Facility
In case of emergencies, Bajaj Finance allows you to avail a loan against your FD without breaking it — ensuring you have access to funds when needed while your investment continues to grow.
6. Hassle-Free Digital Experience
Opening a Bajaj Finance FD is quick, paperless, and can be done completely online. From selecting your tenure to tracking returns, the entire process is designed for convenience — perfect for retirees who prefer simplicity.
Calculate your expected investment returns with the help of our investment calculators.
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Frequently asked questions
Yes, an FD can be a strong component of a retirement plan — especially for risk-averse retirees who prioritise capital protection and predictable returns. FDs are low-risk, offer guaranteed interest, and help deliver steady income or a lump-sum payout on maturity.
However, FDs may offer lower post-tax returns and might not always keep pace with inflation over long retirement periods. So, while they are good for stability and safeguarding funds, relying solely on FDs may limit long-term growth and inflation-adjusted income.
The “7% rule” suggests that a retiree can safely withdraw about 7% of their retirement portfolio in the first year, then adjust that amount each year for inflation.
This rule is more aggressive than the traditional 4% rule, and while it allows for higher early withdrawals, it also carries a higher risk of depleting your corpus too soon — especially if your portfolio is conservatively invested or has to last 30 years or more.
The “80% rule” is a guideline suggesting that you’ll likely need about 80% of your pre-retirement income to maintain your current lifestyle after retirement.
The logic is that post-retirement, your expenses such as commuting or work-related costs may reduce, so you may need slightly less income. However, many retirees today find that their expenses stay the same or even increase due to healthcare, lifestyle, and travel needs. Therefore, this rule should be used as a benchmark and adjusted based on personal goals and financial requirements.
