Fixed deposits are a preferred mode of investment for many. They offer a secure and flexible way to invest and get assured returns with minimal risk. Bajaj Finance Fixed Deposit is one such advantageous option that you can consider. With attractive Bajaj Finance Fixed Deposit rates, you get an opportunity to earn high returns and build your wealth.
Interest Rates for Bajaj Finance Fixed Deposits
Refer to these tables to know the FD rates:
Gold Rate
Wednesday 05 Feb. 2025
Regular Citizens
Regular Tenor
| Tenor (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% |
Disclaimer: The above rates are subject to change at the issuer’s discretion.
Special Tenor
| Tenor (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% |
Disclaimer: The above rates are subject to change at the issuer’s discretion.
Senior Citizens
Regular Tenor
| Tenor (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% |
Disclaimer: The above rates are subject to change at the issuer’s discretion.
Special Tenor
| Tenor (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% |
Disclaimer: The above rates are subject to change at the issuer’s discretion.
Bajaj Finance Digital FD
| Tenor (Months) | At maturity (p.a.) | Monthly (p.a.) | Quarterly (p.a.) | Half yearly (p.a.) | Annual (p.a.) |
| 42* (For regular citizens) | 8.60% | 8.28% | 8.34% | 8.42% | 8.60% |
| 42* (For senior citizens) | 8.85% | 8.51% | 8.57% | 8.66% | 8.85% |
Disclaimer: The above rates are subject to change at the issuer’s discretion.
Features and Benefits of Bajaj Finance Fixed Deposits
Here are the advantages and features you can enjoy with Bajaj Finance FD:
Attractive Interest Rates
Bajaj Finance Fixed Deposit comes with some of the best FD rates, making them a good option to consider. Regular citizens can get an annual interest rate of up to 8.60% p.a., and senior citizens can enjoy up to 8.85% p.a.
With these rates, this FD is a comparatively more beneficial option than similar fixed-rate investment avenues or storing your funds in a savings bank account.
Flexible Tenors
With Bajaj Finance fixed deposits, you have the flexibility of choosing a suitable investment tenor that ranges from 12 to 60 months. This way, you can invest as per your goals and financial capacity.
Easy Investment
Another benefit is that you can apply for the fixed deposit completely online with just a few simple steps. You only need to submit minimal details when booking your FD. In addition, you can easily track and manage the deposit online.
High Rating
Bajaj Finance fixed deposits come with AAA/Stable ratings from CRISIL and ICRA. These high ratings determine that your initial investment as well as the interest earned from the Bajaj Finance FD rates remains completely secure.
How Bajaj Finance FDs Can Help in Financial Planning
Investing in this FD can be beneficial in your financial planning in the following ways:
Supports Long-Term Financial Planning
Fixed deposits are a great way to save for your long-term financial goals. You can easily meet your future fund requirements, such as your children’s college fees, purchasing a house, or paying for wedding expenses.
In addition, these are a preferred investment avenue for retirement planning, as you can create a substantial retirement fund over time.
Helps Save for Financial Emergencies
You can access these funds easily by either getting a loan against it or by making a premature withdrawal. Since both options are offered instantly, you can address your urgent needs without any delay.
Offers Regular Payout Options
You have the flexibility to opt for periodic payouts, such as monthly, quarterly, semi-annual, or annual. This way, you can get a steady income stream to meet your monthly expenses.
This can be especially helpful for retired individuals, as they can easily meet their post-retirement expenses with a stable cash inflow.
Helps Meet Short-term Saving Goals
You could also invest in an FD for 12 months, allowing you to address near-future expenses easily. This way, you can save for a down payment on a vehicle, renovating your home, or financing a vacation.
Eligibility and Documentation for Bajaj Finance FDs
To invest in a Bajaj Finance Fixed Deposit, you need to meet the following eligibility criteria:
- You must be an Indian resident
- You must be above 60 years of age to avail senior citizen benefits
You also need to submit the following documents:
- PAN Card
- Latest photographs
- KYC Documents: Aadhaar card/ driving licence / voter ID / passport
As you can see, the Bajaj Finance fixed deposits offer a convenient way to get assured returns. It is a smart choice for low-risk investors since your initial investment remains secure against market fluctuations. In addition, investors with a higher risk tolerance can invest to diversify their portfolios and mitigate the risks of market-linked investments.
