Fixed Deposit in Manali

Secure your savings with a Fixed Deposit in Manali. Explore top FD schemes, interest rates, tenure options, and benefits to grow your money safely.
OPEN FD
FD in Manali
OPEN FD
4 min
25-October-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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Benefits of Bajaj Finance Fixed Deposit in Manali

Bajaj Finance FDs in Manali combine safety with convenience. Investors enjoy high interest rates, flexible tenures, and quick online booking, along with added security through top credit ratings.

  • Attractive returns up to 7.30% p.a.
    Earn up to 6.95% p.a. as a regular customer and up to 7.30% p.a. as a senior citizen.
  • Highest credit ratings
    ICRA AAA(Stable) and CRISIL AAA/STABLE ratings assure strong financial credibility and deposit safety. 
  • Loan against fixed deposit
    Get loans up to 60%–75% of your FD value without breaking your investment.

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%

Why choose Bajaj Finserv FD in Manali?

Bajaj Finserv has built a strong local presence in Manali, offering residents easy access to one of India’s most trusted fixed deposit schemes. With competitive FD rates, flexible options, and a customer-first approach, it is a reliable way to grow your savings securely.

  • Strong local presence in Manali: With branches and digital support, customers in Manali can easily open, manage, or renew FDs without hassle.
  • Special senior citizen benefits: Senior citizens enjoy up to 0.35% higher interest rates, making it an excellent option for retirement planning.
  • Online account management and auto-renewal: Book and track your FD online, set up auto-renewal, and enjoy a completely paperless, time-saving process.

Step-by-Step: How to open an FD in Manali

Opening a Bajaj Finance FD in Manali is quick, secure, and fully online

  • Choose investment amount & tenure
    Decide how much you want to invest and select a suitable duration
  • Fill application form online
    Complete the FD booking form on the Bajaj Finserv website or app
  • Upload KYC documents
    Submit your Aadhaar, PAN, and other required documents online
  • Transfer funds securely
    Pay your investment amount via net banking, UPI, or debit card
  • Receive the FD certificate
    Once processed, your FD certificate will be shared digitally

Fixed Deposit eligibility & documents in Manali

Anyone in Manali can invest in a Bajaj Finance FD, provided they meet basic eligibility and KYC requirements.

Eligibility

  • Indian resident: Individual, senior citizen, or minor
  • NRI (Non-Resident Indian)
  • Business owner/Partner
  • Clubs, associations, societies, or family trusts

Documents Required

  • PAN card
  • Any KYC document: Aadhaar, Passport, Voter ID, Driving Licence
  • Passport-size photograph

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.

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

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Frequently asked questions

What is the minimum amount for an FD in Manali?

You can start a Bajaj Finance Fixed Deposit in Manali with just Rs. 15,000, making it convenient for both new and seasoned investors.

Can I get higher rates as a senior citizen?

Yes. Senior citizens in Manali enjoy an additional rate benefit of up to 0.35% p.a., ensuring higher earnings on their deposits.

How is the FD interest paid?

You can choose between cumulative (interest paid at maturity) or non-cumulative (monthly, quarterly, half-yearly, or yearly payouts) options.

Is premature withdrawal allowed?

Yes, premature withdrawal of FD is allowed in Manali. However, it may attract a small penalty on the applicable interest rate.

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You can use the Bajaj Finserv App to:

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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.