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% |
Fixed Deposit yield table
The term "yield" describes the profits produced and realised on an investment over a specific time frame. It is shown as a percentage based on the amount invested, the security's current market value, or its face value. The interest earned by customers on the investment is also included in the yield.
Maturity = Principal[(1+interestYield table for customers
rate /interest frequency)^(frequency x no of years)]below 60 years of age
Yield = [(Maturity-principal)/principal]/no of years]
Yield table for customers below 60 years of age
On an investment of Rs. 15,000, the yield for different tenures is mentioned below:
| Period (in months) |
Minimum amount (Rs.) |
FD rates w.e.f 11 June, 2025 (p.a.) |
Yield w.e.f 11 June, 2025 (p.a.) |
Payable amount (Rs.)
|
|
|---|---|---|---|---|
| 12 | 15,000 | 6.60% | 6.60% | 15,990 |
| 15 | 15,000 | 6.75% | 6.81% | 16,285 |
| 24 | 15,000 | 6.95% | 7.19% | 17,157 |
| 60 | 15,000 | 6.95% | 7.99% | 20,989 |
Yield table for senior citizens (customers above 60 years of age)
| Period (in months) |
Minimum amount (Rs.) |
FD rates w.e.f 11 June, 2025 (p.a.) |
Yield w.e.f 11 June, 2025 (p.a.) |
Payable amount (Rs.)
|
|
|---|---|---|---|---|
| 12 | 15,000 | 6.95% | 6.95% | 16,043 |
| 15 | 15,000 | 7.10% | 7.16% | 16,352 |
| 24 | 15,000 | 7.30% | 7.57% | 17,270 |
| 60 | 15,000 | 7.30% | 8.45% | 21,335 |
Fixed deposit variants
Special features of Bajaj Finance Fixed Deposit
Bajaj Finance Fixed Deposit are designed to combine safety, flexibility, and better returns to help you grow your savings. Here's why they’re worth considering:
- Bajaj Finance offers some of the most competitive fixed deposit interest rates in the market, up to 6.95% p.a. for customers below 60 and up to 7.30% p.a. for senior citizens. The final rate depends on your deposit amount and the tenure you select.
- With flexible tenure options ranging from 12 to 60 months, you can easily match your FD to your short-term or long-term financial plans.
- You can start investing with just Rs. 15,000, which makes it a good starting point even for new investors who are looking to test the waters.
- You have the freedom to pick between cumulative interest (paid at maturity) or non-cumulative options with monthly, quarterly, half-yearly, or yearly payouts, depending on what suits you best.
- These FDs come with high safety ratings from CRISIL(AAA/STABLE) and [ICRA]AAA(Stable), it’s one of the few fixed deposits that have this level of credibility.
- In case of urgent needs, investors can avail loans against their fixed deposit—up to 75% of the invested amount for cumulative.
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.
How to invest in a fixed deposit?
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Frequently asked questions
Yes, you can always choose periodic interest payouts and opt for monthly interest on your Fixed Deposit. To calculate the monthly fixed deposit interest amount, you can use FD interest calculator.
Yes, the fixed deposit interest is fully taxable. The interest you earn is added to your total income and taxed at slab rates applicable to your total income. Your income tax return is shown under 'Income from Other Sources’. In addition to income tax, banks and companies also deduct TDS from your interest income. You can also check your TDS on FD interest.
When investing in a fixed deposit for a specific tenure, you gain returns on your deposit based on the latest fixed deposit rates offered by your FD issuer. The current fixed deposit rates are low, but you can get the dual benefit of safety and high returns with a Bajaj Finance Fixed Deposit with the latest FD.
Choosing the right scheme for the best-fixed deposit rates is essential, based on your requirement. You have the option to get your interest at the end of your maturity period or opt for periodic payout options. If you'd like to tend to your regular expenses, you can choose the option of periodic payouts, but if you'd like a lump sum amount at the end of your tenure, you can choose to get your fixed deposit interest at the end of your tenure.
Some investors also consider the current FD rates when planning to invest. While this may be a great way to grow your savings, it is also essential to make sure your NBFC FD has the highest safety ratings so that your principal amount is not at risk.
With Bajaj Finance, you can choose an FD tenure ranging between 12 to 60 months. The FD interest rate goes up to 7.30% p.a. for senior citizens and up to 6.95% p.a. for customers below the age of 60.
Want to know exactly how much you’ll earn? Try out the FD calculator to get a quick estimate based on your investment amount and tenure.
Senior citizens can make the most of their savings with a Bajaj Finance Fixed Deposit, which offers interest rates of up to 7.30% p.a. This includes an extra benefit of 0.35% p.a. over standard rates. It’s a safe and reliable way to grow your money without taking on much risk.
FD rates are influenced by several factors, like, RBI policies, inflation, etc. Banks and NBFCs revise their FD rates from time to time.
At Bajaj Finance, the latest FD interest rates are up to 7.30% p.a. Check the updated rates before you invest to make the most of your money.
FD interest rates in 2025 vary across different financial institutions. Bajaj Finance offers FD rates ranging from:
6.41% p.a. to 6.95% p.a. for customers below 60 years
6.74% p.a. to 7.30% p.a. for senior citizens
Yes, absolutely. Bajaj Finance offers FDs for senior citizens with a rate benefit of up to 0.35% p.a. over the rates for customers below the age of 60.
These FDs are designed to provide both safety and a steady income, with flexible interest payout options. The highest interest rate available for senior citizens is up to 7.30% p.a., making it one of the more rewarding fixed-income options around.
The interest for Rs. 1 lakh FD depends on the tenure and the financial institution's interest rates.
Yes, you can!
If you prefer a steady income, you can opt for monthly interest payouts on your FD. Alternatively, you have the option of quarterly, half-yearly, or annual payouts—or simply letting the interest accumulate and receiving it all at maturity. The choice is entirely yours.
It largely comes down to two factors:
The tenure you choose and the interest rate available. FD rates typically range between 5% and 10% p.a.
The longer your money stays invested, the higher your returns are likely to be.
To get a clear idea of your earnings, it’s always a good idea to check the latest rates and use an FD calculator for an accurate estimate.
TDS on FD interest is deducted when the interest earned exceeds Rs. 50,000 in a financial year (Rs. 1,00,000 for senior citizens) for banks and Rs. 5,000 for NBFCs. It is deducted at the time of credit or payment of the interest, whichever is earlier.
With Bajaj Finance Fixed Deposits, regular investors can earn interest rates of up to 6.95% p.a., while senior citizens can get up to 7.30% p.a. These are among the most attractive FD rates available, offering safe and consistent growth on your savings.
