Bajaj Finance FD rates currently go up to 6.95% per annum for regular and up to 7.30% for senior citizens across tenures ranging from 12 to 60 months. Backed by AAA ratings from CRISIL and ICRA, Bajaj Finance FD is considered one of the safest high-return fixed deposit options in India. Investors can choose flexible payout options, competitive returns, and a fully online booking process based on their financial goals. 

Term Wise Bajaj Finance FD Rates 

The following shows the term-wise Bajaj Finance fixed deposit rates:

Short Term

Bajaj Finance FD rates for senior citizens go up to 6.95% and 6.60% for the general public for a 12 to 17- months tenure, offering better returns for retirees and conservative investors. 

Medium Term

Investors looking for medium-term investment options can benefit from competitive Bajaj Finserv FD rates, especially across 15 to 23-month tenures. NBFC offers a 6.85% return for the general public and 7.20% interest for senior citizens.  

Long Term

Long-term Bajaj Finance FD interest rates remain competitive, with returns going up to 7.75% for senior citizens and 7.40% for the general public across tenures ranging from 24 to 60 months. 

Benefits of Bajaj Finance Fixed Deposit Rates

Bajaj Finance is a subsidiary of Bajaj Finserv, one of India’s leading non-banking financial companies (NBFCs). It allows investors to earn guaranteed returns at competitive Bajaj Finserv FD rates across different tenures ranging from 12 to 60 months.

Besides the excellent Bajaj Finance rate of interest on fixed deposits, you can avail the following advantages: 

High Safety Ratings

Bajaj Finance Fixed Deposit is rated AAA by both CRISIL and ICRA, which are among the highest safety ratings in India. These ratings indicate strong financial stability and a high ability to repay investors on time, making Bajaj Finance FD a trusted investment option.

Attractive Returns for Senior Citizens

Bajaj Finance senior citizen FD rates go up to 7.75% per annum, making it a suitable option for retirees seeking stable income and higher returns. 

Flexible Tenure

Investors can choose flexible tenures ranging from 12 to 60 months based on their financial goals. Whether you are investing for the short term or long term, Bajaj Finance FD provides multiple tenure options to suit different needs.

Multiple Interest Payout Options

Along with attractive Bajaj Finance FD interest rates, investors can choose monthly, quarterly, yearly, or maturity payout options based on their financial needs. 

Easy Online FD Booking Process

The entire Bajaj Finance FD booking process is online and paperless. Investors can open an FD, complete KYC, and manage their investment digitally without visiting a branch.

Premature Withdrawal Facility

Bajaj Finance FD also provides a premature withdrawal facility, allowing investors to access funds before maturity if needed. This offers better flexibility during emergencies or unexpected financial situations.

Eligibility to Avail Bajaj Finance Fixed Deposit Rates 

The following entities are eligible to earn Bajaj Finance fixed deposit rates by opening an account via Stable Money:

• Residents Indians
• Sole proprietorship
• Hindu Undivided Families (HUFs)
• Societies, clubs, associations and family trusts
• Partnership firms and companies

Documents Required to Book Bajaj Finance Fixed Deposit

For a hassle-free fixed deposit opening with Bajaj Finance Ltd., individuals must submit:

• Permanent Account Number (PAN card) 
• Any KYC verification document (Aadhaar card/ Driving licence/ Voter ID/ Passport)

Alternatively, companies can apply for a fixed deposit by submitting:

• Company PAN
• KYC of authorised signatories
• Board resolution for opening an FD account
• Certificate of registration/ incorporation
• Memorandum and articles of association
• Latest bank account statements or utility bills

Premature Withdrawal of Bajaj Finance Fixed Deposit

When you withdraw your funds before maturity, premature withdrawal charges apply to Bajaj Finance fixed deposit rates. To better sum up the penalty structure, we have shared a table below:

These penalties are levied on the applicable Bajaj Finance rate of interest. Therefore, your principal is safe regardless of the time you decide to withdraw your investment. 

Tax on Bajaj Finance Fixed Deposit Interest

Depending on your yearly fixed deposit earnings, tax deduction at source (TDS) is applied. This means if someone’s interest yield is more than ₹50,000 or ₹1,00,000 (for senior citizens), then 10% TDS is deducted. 

Through Stable Money, all investments in a Bajaj Finance FD can be processed once you provide your PAN details. It helps reduce your TDS burden which otherwise would have been 20% without a valid registered PAN card. 

Bajaj Finance FD Calculator

Calculate returns from your Bajaj Finance fixed deposit using the Bajaj Finance FD Calculator given below:

Why Should You Choose Stable Money to Book Bajaj Finance FD?

You can open a fixed deposit via Stable Money to ensure 100% safety of your deposits for up to ₹5 lakh. Our platform is certified by DICGC, a fully-authorised subsidiary of the Reserve Bank of India. Moreover, we offer the highest available FD rates provided by each of our partner banks to the customers. 

Download Stable Money to compare and book Bajaj finance Fixed Deposit with ease.