Fixed Deposit in Gurugram

Grow your money safely with Fixed Deposit in Gurugram.
FD in Gurugram
4 min

Nestled amidst the bustling metropolis of Delhi NCR, Gurugram offers a vibrant lifestyle and a dynamic business environment. For residents planning their financial future, fixed deposit (FD) emerges as a compelling option.

Understanding fixed deposit

An FD is a financial instrument offered by banks and non-banking financial companies (NBFCs) in Gurugram. You invest a lump sum amount for a predetermined period (tenure) at a fixed interest rate. Upon maturity (the end of the tenure), you receive your principal investment along with the accrued interest. Here is a breakdown of the key characteristics:

  • Guaranteed returns: Unlike market-linked investments that fluctuate, FDs offer a pre-determined interest rate, ensuring a fixed return on your investment regardless of market conditions. This allows for predictable financial planning, especially for planned expenses.
  • Flexibility: Financial institutions offer various FD tenures, ranging from a few days to several years. This allows you to tailor your investment to your specific needs. Whether you are saving for a short-term goal or a long-term one like retirement planning, you can choose a tenure that aligns with your financial horizon.
  • Regular income option: Some FDs offer periodic interest payouts (monthly, quarterly, half-yearly, annually or at maturity). This provides a regular flow of income, which can be helpful for meeting ongoing expenses or supplementing your existing income stream.

Features and benefits of Bajaj Finance Fixed Deposits

  1. Competitive returns
    Bajaj Finance offer competitive interest rates of up to 8.85% p.a., offering significant growth potential for your investments regardless of market fluctuations.
  2. Special tenures
    Baja Finance offer higher interest rates on their FD for specific deposit durations, such as 18, 22, 33, 42, and 44 months.
  3. Additional rates for senior citizens
    Senior citizens receive an extra interest rate boost of up to 0.40% p.a., making these fixed deposits particularly attractive for them.
  4. Top safety ratings
    Bajaj Finance holds top-tier safety ratings like [ICRA]AAA(Stable) and CRISIL AAA/STABLE, ensuring exceptional security for your investments and providing you with peace of mind.
  5. Loans against fixed deposit
    Bajaj Finance offers loan against your fixed deposit. You can borrow up to 60% of the deposit amount on non-cumulative FD and up to 75% on cumulative FD, allowing you to meet your financial needs while keeping your investment intact.

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 up to Rs. 5 crore (03 Apr, 2024) 

*Experience higher interest rate of up to 8.50% p.a. on a 42-month Digital FD, available exclusively on our website and app.

Bajaj Finance Digital FD

New Product Launch
Tenure in
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
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
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

New Product Launch
Tenure in
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
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
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%

Eligibility criteria for booking a Bajaj Finance Fixed Deposit


  • Resident Indians:
  • Non-Resident Indians (NRIs)

Types of investors

  • Individuals
  • Senior citizens
  • Minors
  • Businesses
  • HUFs (Hindu Undivided Families),
  • Other Organisations: Clubs, associations, societies, and family trusts.

Documents required fixed deposit

  • PAN card,
  • Any KYC document: Aadhaar card/ Passport/ Driving license/ Voter ID


Fixed deposit is a valuable option for individual seeking a secure and reliable way to grow their savings. By understanding the features and benefits you can make informed decisions. Remember, FD can form a solid foundation for your investment portfolio, providing peace of mind and predictable returns. However, consider exploring other investment options to potentially achieve a well-rounded financial strategy for long-term wealth creation. Consult with a qualified financial advisor to get a personalised investment advice based on your risk tolerance and financial goals.

Calculate your expected investment returns with the help of our investment calculators

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Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more


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
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.