Bajaj Finance Fixed Deposit: A Comprehensive Guide to Investment Options and Benefits

Bajaj Finance Ltd., a subsidiary of Bajaj Finserv Ltd., is one of the leading Non-Banking Financial Companies (NBFCs) in India. Established on 25th March 1987, Bajaj Finance provides various financial services, including lending and accepting different types of deposits. Known for offering competitive Fixed Deposit (FD) rates and robust financial products, Bajaj Finance is a trusted option for secure investment.

Bajaj Finance Fixed Deposit Rates 2026

The Bajaj Finance fixed deposit rates in 2026 offer competitive returns for both regular and senior investors, making Bajaj Finance fixed deposit a strong option for stable and high-yield investments.

Bajaj Finance FD Interest Rates 2026 (Cumulative)

Features and Benefits of Bajaj Finance FD 

If you intend to invest in any of their schemes, you must review the Bajaj Finance fixed deposit rates as well as all of the features and benefits of the schemes as listed below:

• Credit ratings received by Bajaj Finance from ICRA and CRISIL are high, ensuring the highest security of your deposits.
• The end-to-end process of applying for a fixed deposit account with Bajaj Finance is online.
• Senior citizens (individuals above 60 years of age) can avail the benefit of an additional 0.25% interest rate on their application for fixed deposits.
• You can choose from monthly, quarterly, half-yearly and annual payout options. 
• The organisation offers special tenure on fixed deposits. Bajaj Finance FD interest rates on special tenures of 15, 18, 22, 30, 33 and 44 months are higher than the rates for regular periods.
• You can take a loan against your fixed deposit account with Bajaj Finance. 

How to Invest in Bajaj Finance Fixed Deposit

To Opening a Bajaj Finance FD account is a simple and straightforward process. Follow these steps to book your FD:

Step-by-Step Process:

• Visit the Official Bajaj Finance Website Go to the official Bajaj Finance website and log in using your credentials.
• Select 'Open FD' Option On the homepage, select the ‘Open FD’ option to start the online application process.
• Enter Your Mobile Number Enter your registered mobile number and verify it using the OTP sent to your phone.
• Enter FD Details Fill in the required details such as the investment amount, FD tenure, and payout frequency. Additionally, you’ll need to provide your date of birth and PAN details.
• Complete KYC Process If you are a new customer, you will need to complete the KYC process by submitting your Aadhaar Card. Existing customers can simply confirm their details.
• Agree to Terms and Conditions Read the terms and conditions, and agree to them.
• Submit Bank Details Provide your bank account details, including the account number, IFSC code, and branch name.
• Payment and Confirmation Make the payment through NEFT, RTGS, UPI, or Net Banking. After successful payment, you will receive an acknowledgment and an e-FDR within three working days.

Documents Required to Book Bajaj Finance FD

Here is the list of documents you need to produce while applying for a Bajaj Finance fixed deposit account.

• Properly filled FD application form
• PAN card
• Identity Proof - Aadhaar card, Diving licence, Passport, Voter ID card
• Address Proof - Passport, Utility bills, Government ID card
• Age proof - Aadhaar card, school passing certificate, ration card, etc. 
• Passport sized photograph
• Bank account details – account number, IFSC code, and branch name. 

Eligibility to Open Bajaj Finance FD

To open a fixed deposit account with Bajaj Finance, the eligibility criteria you need to fulfil are: 

• Applicant type: Indian residents, Partnership companies and firms, Sole proprietorship firms, Hindu Undivided Family (HUF), Associations, clubs, family trusts and societies.
• Age (in case of individual applicants): 18 years or more.

*Note: In the case of NRIs (Non-Residenmt Indians), OCIs (Overseas Citizens of India) and IPOs (Persons of Indian Origin) can contact the representatives of Bajaj Finance to know the exact eligibility and documents required to open an FD scheme.

Types of Bajaj Finance FD Schemes

There are mainly two different types of fixed deposit schemes offered by Bajaj Finance. Along with the basic conditions, Bajaj Finance FD rates for these plans are available for different types of tenures.

Let us check the following section to understand the FD schemes offered by Bajaj Finance.

1. Regular Fixed Deposit Plan

The Bajaj Finance Fixed Deposit stands out due to its high safety and credibility ratings, which ensures the security of your deposited funds. In addition to conventional interest rates, Bajaj Finance offers higher rates for special tenures. 

Moreover, this fixed deposit scheme is also available for senior citizens who can avail of higher interest rates. 

• Minimum Amount: ₹15,000
• Maximum Amount: ₹5 crores
• Tenure: 12 months to 60 months
• Interest Rates: For senior citizens - 7.65% - 8.60% (as per special period) and 7.60% - 8.30% (as per regular period). For general citizens - 7.40% - 8.35% (as per special period) and 7.35% - 8.05% (as per regular period).
• Eligibility: Indian residents

2. Systematic Deposit Plan

This is a monthly savings scheme offered by Bajaj Finance to save and grow your investment for the future. This scheme allows you to enjoy the flexibility of minimal monthly investments and the security of a fixed deposit account. Bajaj Finance FD rates in this scheme are available for regular and special periods.

• Minimum Amount: ₹5,000
• Maximum Amount: ₹5 crores
• Tenure: 12 months to 60 months
• Interest Rates: For general citizens - 7.40% - 8.35% (as per special period) and 7.35% - 8.05% (as per regular period). For senior citizens - 7.65% - 8.60% (as per special period) and 7.60% - 8.30% (as per regular period).
• Eligibility: All Indian residents over 18 years old.

Is Bajaj Finance Fixed Deposit Safe?

The Bajaj Finance fixed deposit is considered highly secure due to strong credit ratings and regulatory oversight, making Bajaj Finance FD a reliable choice for conservative investors.

Safety Factors

• AAA Credit Ratings: Bajaj Finance FDs are rated AAA/STABLE by CRISIL and ICRA, indicating the highest level of safety and minimal default risk. 
• RBI Regulation: Bajaj Finance operates as a systemically important NBFC under RBI supervision, ensuring strict compliance and financial discipline. 
• Strong Customer Base: Trusted by over 5 lakh investors, including thousands of senior citizens, showcasing credibility and long-term reliability. 
• Large Deposit Base: Manages a deposit book exceeding ₹50,000 crore, reflecting strong financial stability and investor confidence. 

Important Consideration

• No DICGC Insurance: Unlike bank FDs, Bajaj Finance fixed deposit is not covered under ₹5 lakh insurance by DICGC. 
• Slightly Higher Risk vs Banks: While risk remains very low, it is not completely government-backed like bank deposits. 

Why Investors Still Choose Bajaj Finance FD

• Higher returns compared to most bank FDs 
• Strong financial track record 
• Ideal balance between safety and returns 

Once you understand all of the terms and features of fixed deposits offered by Bajaj Finance, selecting the best plan becomes simple. Bajaj Finance FD rates are different for different tenures, so make sure to choose a tenure that aligns with your financial goals.  

Moreover, NRIs can also book a fixed deposit account with Bajaj Finance, but they need to talk with Bajaj Finance representatives and get a clear idea of what plan they can opt for and how to commence with the process.