Manali, known for its breathtaking landscapes and vibrant culture, is also a growing hub for financial opportunities. One such opportunity lies in fixed deposit (FD), a safe and reliable investment instrument that offers guaranteed returns. Whether you're a local resident or an individual looking to park your savings securely, fixed deposits can be an excellent choice for your financial portfolio.
Pro tip
Bajaj Finance offers attractive Fixed Deposit interest rates of up to 6.95% p.a. for non-senior citizens, and up to 7.30% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.35% p.a.
Features and benefits of Bajaj Finance fixed deposit
- Competitive interest rates
Bajaj Finance stands out in the market by offering some of the most competitive interest rates on fixed deposits, reaching up to 7.30% p.a. This high interest rate help your investments to grow significantly over time, independent of any fluctuations in the market, thus providing consistent and reliable returns. - Additional benefits for senior citizens
Acknowledging the need for financial security in retirement, Bajaj Finance offers a special benefit for individuals aged 60 and above. With a Senior citizen FD interest rate that includes an additional increase of up to 0.35% p.a., it provides a compelling opportunity to boost retirement savings and ensure long-term financial stability. - Highest credit ratings
With the prestigious [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings, Bajaj Finance fixed deposits are recognised for their exceptional safety and reliability. These ratings reflect the institution's robust financial health and commitment to protecting your investments, ensuring that your money is secure and yielding optimal returns. - Financial flexibility with loan against fixed deposit
Bajaj Finance understands that unexpected financial needs can arise. As a solution, they offer the facility to avail a loan against your fixed deposit. This feature allows you to access the necessary funds without having to prematurely break your investment. You can avail up to 60% of the deposit amount on non-cumulative FDs and up to 75% on cumulative FD, offering a flexible financial solution while your investment continues to grow.
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 11 June, 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 | 6.60% | 6.41% | 6.44% | 6.49% | 6.60% |
15 - 23 | 6.75% | 6.55% | 6.59% | 6.64% | 6.75% |
24 – 60 | 6.95% | 6.74% | 6.78% | 6.83% | 6.95% |
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 11 June, 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 | 6.95% | 6.74% | 6.78% | 6.83% | 6.95% |
15 - 23 | 7.10% | 6.88% | 6.92% | 6.98% | 7.10% |
24 - 60 | 7.30% | 7.07% | 7.11% | 7.17% | 7.30% |
Eligibility criteria for booking a Bajaj Finance Fixed Deposit
- Nationality: Resident Indians/ Non-Resident Indians (NRIs).
- Investor type: Individuals, senior citizens, minors, sole proprietorships, partnership firms, HUFs (Hindu Undivided Families), clubs, associations, societies, and family trusts.
Documents required
PAN card and any KYC document: Aadhaar card/ Passport/ Driving license/ Voter ID
Steps to apply for a fixed deposit online
- Step 1: Pick a Trusted Provider
Choose a bank or NBFC that fits your financial goals and offers attractive interest rates. - Step 2: Access Their Digital Platform
Visit the provider’s official website or download their mobile app from a reliable app store. - Step 3: Fill Out the Application
Enter your personal details, deposit amount, preferred tenure, and nominee information (if needed). - Step 4: Upload KYC Documents
Submit scanned copies of ID and address proof—like your Aadhaar, PAN, or passport. - Step 5: Make the Deposit
Complete your payment online via UPI, net banking, or other secure methods offered by the provider.
Conclusion
Fixed deposit in offer a safe and convenient way to grow your savings. With various options available, you can choose the one that aligns with your financial goals and risk appetite. Consider comparing interest rates, tenure options, and features offered by different providers. If you prioritise high safety ratings, attractive interest rates, and a seamless online application process, Bajaj Finance FD could be a compelling choice for you.
Fixed deposits are a reliable and hassle-free option to grow your savings steadily. With multiple choices available, you can pick one that aligns with your financial goals and comfort with risk. Be sure to compare FD interest rate, tenure, and key features across institutions. For those seeking strong safety ratings, attractive returns, and a seamless online journey, Bajaj Finance FD is a noteworthy choice.
Remember, thorough research and careful consideration are key to making informed financial decisions.
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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.
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