Features of Systematic Deposit Plan (SDP)

  • Secured returns up to %$$FD44-sennoncumyr$$%

    Secured returns up to 7.60% p.a.

    Choose a smart way to achieve your financial goals with high interest and low-risk investment.

  • Additional interest rate benefit for senior citizens

    Additional interest rate benefit for senior citizens

    With an additional 0.25% p.a., senior citizens can systematically grow their post-retirement savings at 7.60% p.a.

  • Flexible tenor

    Flexible tenor

    Opt for flexible deposit tenure ranging from 12 months to 60 months

  • SDP starts at just %$$SDPmindepositSDP$$%

    SDP starts at just Rs. 5,000

    Establish a good savings habit by starting your investment journey with min. amount of Rs. 5,000.

Systematic Deposit Plan is an efficient monthly savings tool that helps you develop a disciplined investing habit and offers high-interest rates along with capital protection against market fluctuations.

There are two investment variants under Systematic Deposit Plan:

Single Maturity Scheme: This investment options helps you receive maturity proceeds of all your deposits on a single day. You can invest for min 19 months to max. 60 months and choose no. of deposits between 6 to 47. The tenure of each deposit placed after the first deposit will be gradually reduced, so all deposits mature on a single date.

Monthly Maturity Scheme: This investment options helps you receive the maturity proceeds monthly. You can start your investment with minimum amount of Rs. 5,000 per month and invest for min 12 months to max. 60 months with deposits between 6 to 48. In MMS, the tenure you choose gets applied to all the deposits you invest in. The maturity date for each deposit is different, as your deposits mature as per the chosen tenure and no. of deposits.

You have the option to make deposits on the 3rd, 7th, or 12th of every month. Subsequent deposits will be automatically debited from your bank account registered with us on the selected date. Premature withdrawal of the SDP is allowed after 3 months of the SDP issuance.

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Systematic deposit plan interest rates

Annual rate of interest for deposits up to Rs.5 crore

(w.e.f June 14, 2022)

Tenor in months


For customers below 60 years

For Senior citizen

12 - 23 months

5.85% p.a.

6.10% p.a.

24 - 35 months

6.60% p.a.

6.85% p.a.

36 - 60 months

7.20% p.a.

7.45% p.a.


Special rate of interest for deposits up to Rs.5 crore

(w.e.f June 14, 2022)

Tenor in months


For customers below 60 years

For senior citizens

15 months

6.05% p.a.

6.30% p.a.

18 months

6.15% p.a.

6.40% p.a.

22 months

6.30% p.a.

6.55% p.a.

30 months

6.70% p.a.

6.95% p.a.

33 months

6.95% p.a.

7.20.% p.a.

44 months

7.35% p.a.

7.60% p.a.

Frequently asked questions

Is there any additional ROI benefits for senior citizens?

Yes, senior citizens (i.e. persons more than 60 years of age,) will be offered additional ROI benefit of 0.25% p.a. on SDP up to Rs. 5 Crore.

What are the benefits of BFL Systematic Deposit Plan?

An investment in one of the most reputed brands in India, BFL FDs offers a host of benefits:

  • Minimum deposit size of Rs. 5,000
  • Rated FAAA/ Stable by CRISIL and MAAA/ Stable by ICRA, which means highest safety of your money
  • Attractive rates of interest for your money to grow periodically
  • Flexible tenure ranging from 12 to 60 months
  • Branch presence across over 1000 locations in India
  • Access to all product details on our Customer-Portal Expertia and Bajaj Finserv App
  • Flexibility of payment option through electronic mode
  • Special rates benefits for senior citizens