Manage your Fixed Deposit in My Account

Every time you book a fixed deposit with us, you are assigned a unique string of numbers known as the FD number. Your FD number helps you track your fixed deposit details, such as maturity amount, rate of interest, date of maturity, bank details, and nominee details.

You can check all these details and much more by visiting our customer portal – My Account.

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  Check your fixed deposit details

  You can check your FD maturity date, rate of interest, maturity amount and more by following these simple steps:

  • Visit our customer portal by clicking the ‘Sign-in’ button on this page.
  • Enter your registered mobile number and date of birth and submit the OTP to sign-in.
  • From ‘My Relations’, select the fixed deposit for which you want to view details.
  • Find details like an FD number, tenure, rate of interest, etc.

  
  You can also check your fixed deposit details by clicking on ‘View your FD details’. You will be asked to sign-in to ‘My Account’ where you can select FD and find details.

  View your FD details

If you wish to update details of your FD like nominee, bank account or joint account holder, click on the respective links at the top of this page.

When you invest in a fixed deposit, you park your funds to earn interest on them for a pre-defined period of time. Once your FD matures, if you have opted for cumulative FD, you will receive your invested funds along with the interest accumulated. However, if you have opted for non-cumulative FD, once your fixed deposit matures, you will receive the principal and the interest amount as per the payout option you have opted for.

If you wish to earn more interest on your invested amount to maximise your savings, you can opt for a renewal of your fixed deposit. Bajaj Finance Limited offers the flexibility of choosing the renewal plan – the amount you want to reinvest and the tenure. You can renew your fixed deposit up to 24 hours before the maturity date.

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  Renew your fixed deposits in My Account

  You can renew your Bajaj Finance Fixed Deposit in a few clicks by visiting our customer portal – My Account.

  • Visit My Account by clicking on the ‘Sign-in’ button on this page.
  • Enter your registered mobile number and date of birth, and submit the OTP to sign-in.
  • Choose your fixed deposit from ‘My Relations’.
  • Click on the ‘Renew your FD’ option from the ‘Quick Actions’ section.
  • Check your existing FD details and click on ‘Proceed'.
  • Select the details of the renewal plan, such as amount, tenure, and renewal option.
  • Verify your details with the OTP sent to your registered mobile number and proceed with renewal.

  
  You can click on the ‘Renew your fixed deposit’ text below to sign-in to My Account. Then, select your fixed deposit, click on ‘Renew your FD’ from the ‘Quick Actions’ section, choose your renewal plan, and proceed.
  
  If your FD has a joint account holder, then the OTP will be sent to the joint account holder’s registered mobile number as well. However, the request for renewal must be initiated by the primary account holder.

  Renew your fixed deposit

You can renew your fixed deposits to make the most of the prevailing interest rates. Bajaj Finance Limited offers secured returns of up to 8.60%.

When you choose to invest in a fixed deposit, you have the option to add a nominee. This facility ensures that your FD is easily transferred to your loved ones in the event of your untimely demise.

However, if you do not add a nominee, your rightful heir(s) may be asked to produce a court order or a succession certificate to claim the FD on maturity.

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  Modify nominee details for your fixed deposit

  • Go to our customer portal by clicking on the ‘Sign-in’ button on this page.
  • Enter your mobile number, and date of birth and submit the OTP to sign-in.
  • Choose your fixed deposit from ‘My Relations’.
  • Click on the ‘Add Nominee’ or ‘Edit Nominee’ option below the ‘Nominee Details’ section.
  • Enter your nominee's details, such as name, date of birth, and address. If your nominee is a minor (under the age of 18), you will be asked to provide guardian information.
  • Verify your details with the OTP sent to your registered mobile number.

  
  You can click on the ‘Manage your FD nominee details’ text below. Then, select your FD, and click on the ‘Add Nominee’ or ‘Edit Nominee’ option below the ‘Nominee Details’ section. Enter the required details and proceed.

  If your FD has a joint account holder, then the OTP is sent to their registered mobile number as well. However, only the primary account holder of the FD can initiate renewal changes.

  Manage your FD nominee details

You can also view your other FD-related details such as maturity date, rate of interest, tenure and more by clicking on the respective links at the top of this page.

When you open a fixed deposit with us, you use a bank account from which you invest money. This bank account, by default, becomes your maturity bank account, which means that once your FD matures, you will receive funds in this account. In case of any change in your bank account during your FD tenure, you can update the same by raising a request in My Account.

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  Update your maturity bank account details

  • Click on the ‘Sign-in’ button on this page to visit our customer portal.
  • Enter your registered mobile number and date of birth and submit the OTP to sign-in.
  • Select the FD number from the ‘My Relations’ section.
  • Click on the ‘Update Bank Details’ option below your bank account details.
  • Select the relevant query and sub-query type.
  • Enter any additional details, if required, and submit your request.

  
  You can also directly visit our customer portal by clicking on ‘Update maturity bank account’ below. Once signed-in, you will be redirected to the ‘My Relations’ section. You can then select your FD, click on ‘Update Bank Account’ below your bank details section, and proceed to raise a request.

  After you submit your request, a representative will contact you within 48 business hours to guide you through the next steps.

  Update maturity bank account

To view and manage your other FD account details, click on any of the links at the top of this page.

TDS or Tax Deducted at Source is a tax that gets deducted from your interest payable. Although a fixed deposit is one of the safest investment options, the interest earned on it is considered part of your income. Therefore, TDS applies to this interest amount.

However, if your total income is below the minimum tax limit, you can declare the same by submitting Form 15G or Form 15H and applying for a TDS waiver. If your age is below 60, you need to submit Form 15G, while if you are above 60, you need to submit Form 15H.

Once you submit this declaration, it will ensure that no TDS is deducted from the interest earned on your deposits.

Bajaj Finance Limited offers you the facility of submitting this declaration online in a few easy steps. You can submit your Form 15G/ H by visiting My Account.

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  Submit Form 15G/ H to get a TDS waiver

  You can submit your declaration by following these simple steps:

  • Go to our customer portal by clicking the ‘Sign-in’ button on this page.
  • Enter your mobile number and date of birth, and submit the OTP to sign-in.
  • Select your fixed deposit from the ‘My Relations’ section.
  • Click on the ‘Submit Form 15G/ H’ option from the ‘Quick Actions’ section.
  • View your Form 15G or Form 15H and click on ‘Proceed’.
  • Enter any additional information that is required.
  • Verify with the OTP you received on your registered mobile number and proceed with submission.

  
  You can directly go to our customer portal by clicking on the ‘Apply for a TDS waiver’ option below. Once signed-in, you will be redirected to the ‘My Relations’ section, where you can select your FD. You can then click on the ‘Submit Form 15G/ H’ option from the ‘Quick Actions’ section and proceed with your declaration.

  Apply for a TDS waiver

You can also view your FD documents like receipt, statement of account, interest certificate and more by clicking on ‘FD receipt’ at the top of this page.

In case of any financial emergency, instead of withdrawing your FD before its maturity date, you can use it as collateral and raise a loan against it. This facility ensures that you get funds at a low-interest rate and do not lose on your fixed deposit. The loan amount depends on your fixed deposit amount, while the repayment tenure can last until the FD maturity date. However, you can apply for a loan against fixed deposit, once your deposit completes three months lock-in period.

You can apply for a loan against your fixed deposit online in a few easy steps by visiting our customer portal – My Account.

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  A step-by-step guide to applying for a loan against FD

  • Click on the ‘Sign-in’ button on this page to visit our customer portal.
  • Enter your registered mobile number and date of birth and submit the OTP to sign-in.
  • Select your FD from ‘My Relations’ against which you want to apply for a loan.
  • Click on the ‘Loan against FD’ option in the ‘Quick Actions’ section.
  • Enter the required details and review your bank account details.
  • Verify your details with the OTP sent to your registered mobile number and proceed with the loan agreement and bank details confirmation.

  
  You can also directly visit our customer portal by clicking on ‘Apply for a loan against FD’ below. Once signed-in, you will be redirected to the ‘My Relations’ section. You can then select your FD, click on ‘Loan against FD’ within ‘Quick Actions’, enter the required details, and proceed.

  Once you complete the application process, you will receive the funds within 24 business hours.

  In case your FD has a joint account holder, they will receive the OTP for verification.

  Apply for a loan against FD

You can apply for a loan against fixed deposit of up to 75% for a cumulative deposit and of up to 60% for a non-cumulative deposit.

In case of any unforeseen expenses, you can withdraw the funds that you have parked in a fixed deposit before its maturity date. This is called the premature withdrawal of a fixed deposit. However, you can raise a request for premature withdrawal after three months from the date of acceptance of the deposit.

If you withdraw your FD after three months but before six months from the date of deposit, you will only get the principal amount - no interest will be paid.

However, if you choose to prematurely liquidate FD after six months, the interest payable is 2% lower than the interest rate applicable to a public deposit for the period for which it has run.

In case no rate has been specified for that period, the interest rate payable is 3% lower than the minimum interest rate at which public deposits are accepted by the non-banking financial company.

You can raise a premature withdrawal request by visiting our customer portal – My Account.

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  Apply for pre-mature FD withdrawal

  • Click on the ‘Sign-in’ button on this page to visit our customer portal.
  • Enter your registered mobile number and date of birth and submit the OTP to visit our ‘Raise a Request’ section.
  • Select ‘Fixed Deposit’ as your product and choose the FD number.
  • Choose ‘Prematurity’ as your query type and ‘Need pre-maturity details’ as your sub-query type.
  • Enter the required information and submit the request.

  
  You can also directly visit our customer portal by clicking on ‘Apply for a premature FD withdrawal’ below. Once signed-in, you will be redirected to the ‘Raise a Request’ section. You can then select your FD, enter the relevant query and sub-query type, and proceed to submit.

  Once you submit the request, our representative will reach out to you within 48 business hours to guide you on further steps.

  Apply for a premature FD withdrawal

In case you need funds for an emergency, you can also apply for a loan against fixed deposit. Click on ‘Loan against FD’ at the top of this page for more details.

If you have opted for a Bajaj Finance Fixed Deposit, you need to submit a FATCA (Foreign Account Tax Compliance Act) declaration. However, if you are a non-resident Indian, it is mandatory to submit your FATCA because your tax liabilities will be governed by the country of residence.

You can submit the FATCA form online in a few easy steps by visiting our customer portal – My Account.

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  Submit your FATCA declaration online

  You can submit the FATCA form in My Account by following these simple steps:

  • You can sign-in to our customer portal by entering your mobile number or email ID and date of birth.
  • Select the fixed deposit from ‘My Relations’.
  • Click on the ‘FATCA Form’ option from the ‘Quick Actions’ section.
  • Enter the required information and click on ‘Generate OTP’.
  • Verify your details with the OTP sent to your registered number.

  
  You can also directly visit our customer portal by clicking on ‘Submit your FATCA declaration’ below. Once signed-in, you will be redirected to our ‘My Relations’ section. You can then select your FD, click on ‘FATCA Form’ within ‘Quick Actions’ and proceed.

  You will receive a confirmation message on your screen once you submit the declaration.

  Submit your FATCA declaration

You can also submit your Form 15 G/ H and apply for a TDS waiver by visiting our customer portal.

Just like your bank accounts, you can add a joint account holder for your fixed deposit as well. You can update joint account holder details in a few clicks by visiting our customer portal – My Account.

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  Manage your joint account holder details

  • Click on the ‘Sign-in’ button on this page to visit our customer portal.
  • Enter your registered mobile number and date of birth and submit the OTP to go to the ‘Raise a Request’ section.
  • Select ‘Fixed Deposit’ as your product and choose the FD number for which you want to update the joint account holder.
  • Choose ‘FD Details’ as your query type and ‘Joint account holder addition’ as your sub-query type.
  • Enter the required details and upload supporting documents if needed.
  • Review your details and proceed to submit the request.

  
  You can also directly visit our customer portal by clicking on ‘Update your joint account holder details’ below. Once signed-in, you will be redirected to the ‘Raise a Request’ section. You can then select your FD, enter the relevant query and sub-query type, and proceed to submit.

  Once you submit the request, our representative will reach out to you within 48 business hours to guide you on further steps.

  Update your joint account holder details

You can also update your nominee and bank account details by visiting our customer portal – My Account or click on the respective links at the top of this page.