Fixed Deposit in Manali

Discover reliable fixed deposit options in Manali.
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FD in Manali
OPEN FD
4 min
06-May-2025

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.

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Features and benefits of Bajaj Finance fixed deposit

  1. 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.
  2. 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.
  3. 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.
  4. 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

  1. Step 1: Pick a Trusted Provider
    Choose a bank or NBFC that fits your financial goals and offers attractive interest rates.
  2. Step 2: Access Their Digital Platform
    Visit the provider’s official website or download their mobile app from a reliable app store.
  3. Step 3: Fill Out the Application
    Enter your personal details, deposit amount, preferred tenure, and nominee information (if needed).
  4. Step 4: Upload KYC Documents
    Submit scanned copies of ID and address proof—like your Aadhaar, PAN, or passport.
  5. 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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Disclaimer

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 https://www.bajajfinserv.in/fixed-deposit-archives
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.