Fixed Deposit in Patna

Your guide to finding top FD interest rates in Patna

Published Sep 26, 2024 4 Min Read

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Up to 8.85% p.a.

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Rs. 15,000

Minimum investment starts from

Calculate your FD returns

Book & manage your Bajaj Finance FD entirely online

Flexible tenure options from 12-60 months

Senior citizens can earn up to 0.40% p.a. extra

AAA rated from CRISIL and ICRA

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Patna, the vibrant capital of Bihar, offers a diverse range of financial opportunities. For those seeking stability and a guaranteed return on their investments, Fixed Deposits (FDs) have been a trusted choice for many residents. This comprehensive guide explores FDs in Patna, helping you to understand the benefits, compare options, and make informed decisions to secure your financial future.

What is Fixed deposit?

A Fixed Deposit (FD) is a simple and secure investment product offered by banks and Non-Banking Financial Companies (NBFCs). When you invest in an FD, you deposit a specific amount of money for a predetermined period (tenure). In return, the bank or NBFC guarantees a fixed interest rate on your deposit.

Features and benefits of Bajaj Finance Fixed Deposit

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.
Special tenures: Baja Finance offer higher interest rates on their FD for specific deposit durations, such as 18, 22, 33, 42, and 44 months.
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.
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.
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 Max rates for customers below the age of 60

Bajaj Finance FD Max annualised rate of interest for customers below the age of 60 is valid for deposit up to Rs. 25,000 (w.e.f 14 November, 2024)

*Experience higher interest rate of up to 8.60% p.a. on a 42-month Digital FD Max, available on website and app.

Bajaj Finance Digital FD Max

New Product Launch


Tenure in months
Tenure in months	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%

Special Period (FD MAX)


Tenure in months
Tenure in months	At maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half yearly (p.a.)	Annual (p.a.)
18*	8.00%	7.72%	7.77%	7.85%	8.00%
22*	8.10%	7.81%	7.87%	7.94%	8.10%
33*	8.30%	8.00%	8.05%	8.13%	8.30%
44*	8.45%	8.14%	8.20%	8.28%	8.45%

Regular Period (FD MAX)


Tenure in months
Tenure in months	At maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half yearly (p.a.)	Annual (p.a.)
12 - 14	7.60%	7.35%	7.39%	7.46%	7.60%
15 - 23	7.70%	7.44%	7.49%	7.56%	7.70%
24 - 35	8.00%	7.72%	7.77%	7.85%	8.00%
36 - 60	8.30%	8.00%	8.05%	8.13%	8.30%

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 Rs. 25,001 and up to Rs. 3 crore (w.e.f 14 November, 2024)

*Experience higher interest rate of up to 8.40% p.a. on a 42-month Digital FD, available exclusively on website and app.

Bajaj Finance Digital FD


Tenure in months
Tenure in months	At maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half yearly (p.a.)	Annual (p.a.)
42*	8.40%	8.09%	8.15%	8.23%	8.40%

Customers below the age of 60 – Special Period


Tenure in months
Tenure in months	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 months
Tenure in months	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 Max rates for customers above the age of 60

Bajaj Finance FD Max annualised rate of interest for senior citizens for deposit up to Rs. 25,000 (w.e.f 14 November, 2024)

*Experience higher interest rate of up to 8.85% p.a. on a 42-month Digital FD Max, available on website and app.

Bajaj Finance Digital FD Max

New Product Launch


Tenure in months
Tenure in months	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 (FD Max)


Tenure in months
Tenure in months	At maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half yearly (p.a.)	Annual (p.a.)
18*	8.25%	7.95%	8.01%	8.09%	8.25%
22*	8.35%	8.05%	8.10%	8.18%	8.35%
33*	8.55%	8.23%	8.29%	8.37%	8.55%
44*	8.70%	8.37%	8.43%	8.52%	8.70%

Senior Citizen – Regular Period (FD Max)


Tenure in months
Tenure in months	At maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half yearly (p.a.)	Annual (p.a.)
12 - 14	7.85%	7.58%	7.63%	7.70%	7.85%
15 - 23	7.95%	7.67%	7.72%	7.80%	7.95%
24 - 35	8.40%	8.09%	8.15%	8.23%	8.40%
36 - 60	8.55%	8.23%	8.29%	8.37%	8.55%

FD rates for customers above the age of 60

Fixed Deposit annualised rate of interest for senior citizen is valid for deposit Rs. 25,001 and up to Rs. 3 crore (w.e.f 14 November, 2024)

*Experience higher interest rate of up to 8.65% p.a. on a 42-month Digital FD, available exclusively on website and app.

Bajaj Finance Digital FD


Tenure in months
Tenure in months	At maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half yearly (p.a.)	Annual (p.a.)
42*	8.65%	8.33%	8.38%	8.47%	8.65%

Senior Citizen – Special Period


Tenure in months
Tenure in months	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%

FD Interest Rate for Senior Citizens


Tenure in months
Tenure in months	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

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 fixed deposit

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

Conclusion

Fixed Deposits remain a valuable investment option in Patna. By understanding the advantages, comparing various offerings in the market, and considering the factors discussed above, you can leverage FD to achieve your financial goals. With careful planning and the right FD, you can pave the way for a secure and prosperous future.

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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.

Fixed Deposit in Patna

Up to 8.85% p.a.

Get higher interest rate

Rs. 15,000

Minimum investment starts from

What is Fixed deposit?

Features and benefits of Bajaj Finance Fixed Deposit

FD Max rates for customers below the age of 60

Bajaj Finance Digital FD Max

Special Period (FD MAX)

Regular Period (FD MAX)

FD rates for customers below the age of 60

Bajaj Finance Digital FD

Customers below the age of 60 – Special Period

Customers below the age of 60 – Regular Period

FD Max rates for customers above the age of 60

Bajaj Finance Digital FD Max

Senior Citizen – Special Period (FD Max)

Senior Citizen – Regular Period (FD Max)

FD rates for customers above the age of 60

Bajaj Finance Digital FD

Senior Citizen – Special Period

FD Interest Rate for Senior Citizens

Eligibility criteria for booking a Bajaj Finance Fixed Deposit

Documents required fixed deposit

Conclusion

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