Download the Policybazaar app
to manage all your insurance needs.
Bajaj Finance Hikes FD Rates, Highest Rates Now Is 6.80%
Bajaj Finance is one of the leading Non-Banking Financial Institutions in India with high credit ratings given by top credit agencies. The company provides fixed deposit schemes to its customers with attractive interest rates and the highest fixed deposit rate offered by Baja Finance is 6.80% for individuals who are less than 60 years old. On the other hand, senior citizens are eligible to earn an interest rate of 7.05% on fixed deposits for the tenure of 36 months.
Returns as high
as 7.1%*
Includes life cover
Completely Tax free+
as 7.1%*
Includes life cover
Completely Tax free+
Maximum returns Offered by
Guaranteed
Highest
7.1%*
Guaranteed Plan
(by insurance companies)
(10 Years)
6.5%**
Fixed Deposits
(by SBI bank)
(5-10 Years)
7.1%***
Public Provident Fund
(other popular options)
(15 Years)
Get Guaranteed returns up to 7.1%*
Fully Tax-Free* (unlike FD), Life Cover Included
-
Home
-
FD Interest Rates
-
Articles - FD Rates
- Bajaj Finance Hikes FD Rates, Highest Rates Now Is 6.60%
Bajaj Finance FD Rates 2025
| Tenure (in Months) | Non-Senior Citizens | Senior Citizens |
| 12 – 23 | 5.51% - 5.65% | 5.75% - 5.90% |
| 24 – 35 | 6.22% - 6.40% | 6.46% - 6.65% |
| 36 – 60 | 6.60% - 6.80% | 6.83% - 7.05% |
Rate of Interest for Fixed Deposits 2025
The advantages of investing in a fixed deposit scheme offered by Bajaj Finance are - more than the highest fixed deposit rates as you are eligible to invest for a flexible tenure, it provides the facility of multi-deposit, periodic pay-outs of interest, easy loan against FD, and facility of auto-renewal. People who are less than 60 years can earn an FD rate of interest as high as 6.80% and senior citizens can get the highest FD rates of 7.05%. These are the highest rate of interest offered in India. In this way, with Bajaj Financial FD, you can expect the hassle-free experience of investment along with the advantages of growing your investment with one of the best FD rates in India.
Information About
Guaranteed Return Plans
Returns Before Tax
7.1% (TAX-FREE)
Returns After Tax
7.1%
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
*For annual premium upto ₹5 Lacs
You can start your investment journey with Bajaj Finance FD right now and can make your savings grow easily. For those who are looking for investment in a fixed deposit scheme, they can consider Bajaj Finance FDs that offer the below-mentioned interest rates for cumulative fixed deposits that are effective from 01st December 2021.
So, start your journey of investment with Bajaj Finance FD and make your savings grow steadily:
| Annual Interest Rate Valid for Deposits Up to Rs.5 Crore | ||||||
| Tenure (In Months) | Minimum Deposit (Rs.) | Cumulative | Non-Cumulative | |||
| Monthly | Quarterly | Half-Yearly | Yearly | |||
| 12-23 | 25,000 | 5.65% | 5.51% | 5.53% | 5.57% | 5.65% |
| 24-35 | 6.40% | 6.22% | 6.25% | 6.30% | 6.40% | |
| 36-60 | 6.80% | 6.60% | 6.63% | 6.69% | 6.80% | |
The customers who open Bajaj Finance FD online get an additional rate of interest of .10%.
Note: The senior citizens investing in Bajaj Finance fixed deposit scheme get an additional 0.25% despite the mode of investment.
Renewal
In the case of online renewal, a .10% additional rate of interest over the applicable interest rate is paid.
Non-Cumulative Vs. Cumulative FD
In the cumulative fixed deposit scheme, the interest is paid at the time of maturity, whereas in non-cumulative fixed deposits interest is payable on a yearly, half-yearly, quarterly, and monthly basis.
Bajaj Finance 2025 FD Rates for NRIs
NRIs can also reap the benefits of Bajaj Finance fixed deposits and then grow their savings with guaranteed returns up to 6.50% for people who are under 60 years. The FD interest rate is 6.75% for senior citizens. NRIs can get the benefits of periodic options for pay-outs along with flexible policy term that ranges from 12 months to 36 months. Mentioned below is the table of the latest fixed deposit rates of interest for NRIs:
| Tenure (Months) | FD Interest Rates | Senior Citizen FD Rate of Interest |
| 12 – 23 | 5.51% - 5.65% | 5.76 % - 5.90% |
| 24 – 35 | 5.94% - 6.10% | 6.19% - 6.35% |
| 36 | 6.31% - 6.50% | 6.56% - 6.75% |
The minimum amount that you have to deposit in your Bajaj Finance FD is Rs.25,000 and as you can see from the aforementioned tables that it offers a flexible tenure range that starts from 12 months.
FD interest rates India have fallen consistently over the last 12 years.
How Much Interest Will You Get in Five Years?
If you invest in a Bajaj Finance Fixed Deposit scheme for five years, you can grow your savings to up to 40%. Let us take an example to understand this. Suppose you have invested Rs.1,00,000 for five years in the Bajaj Finance Fixed Deposit scheme. Mentioned below is the table that can help you to understand the amount of interest that you will earn after five years:
| Type of Customer | Rate of Interest | Interest Amount | Growth in Savings |
| For Non-Senior Citizens (Who are Investing Offline) | 6.80% | Rs.38,949 | 38.94% |
| Senior Citizens | 7.05% | Rs.40,583 | 40.58% |
The company provides an attractive rate of interest for five years and it enables you to grow your savings easily.
The company offers an attractive rate of interest for five years fixed deposit scheme. Those who invest offline get approximately 40% more amount in return. However, those who invest online are eligible to grow their savings to 41%, whereas senior citizens can grow their invested money to 42%.
The Final Words!
The fixed deposit schemes offered by Bajaj Finance have got ‘FAAA/Stable’ accreditation by CRISIL and 'MAAA (Stable)' rating by ICRA. This indicates the highest level of safety concerning timely interest payment and principal on the instrument.
Bank FD Interest Rates
Bank FD Calculator
NRI-NRE FD Rates
Allahabad Bank FD Interest Rates
Andhra Bank FD Interest Rates
Assam Gramin Vikash Bank FD Interest Rates
AU Small Finance Bank FD Interest Rates
Axis Bank FD Rates
Bajaj Finance FD Interest Rates
Bandhan Bank FD Interest Rates
Bangiya Gramin Vikash Bank FD Interest Rates
Bank of Baroda FD Interest Rates
Bank of Ceylon FD Interest Rates
Bank of India FD Interest Rates
Bank of Maharashtra FD Interest Rates
Expand
Allahabad Bank FD Calculator
Andhra Bank FD Calculator
AU Bank FD Calculator
Axis Bank FD Calculator
Bajaj Finance FD Calculator
Bandhan Bank FD Calculator
Bank of Baroda FD Calculator
Bank of India FD Calculator
Bank of Maharashtra FD Calculator
Canara Bank FD Calculator
Central Bank FD Calculator
Corporation Bank FD Calculator
Expand
*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per
applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
FD Calculator
Interest Earned
Maturity AmountFD Rates articles
Recent Articles
Popular Articles
20 May 2025
Fixed deposits are one of the most convenient instruments for
19 May 2025
Form 15G is a crucial form for SBI Fixed Deposit (FD) account
19 May 2025
While opening the Fixed Deposit (FD) account with the State Bank
19 May 2025
For those aiming to secure steady returns over time, the SBI FD