Bajaj Finance FD Interest Rates 2025  

Top Guaranteed Return Plans

Guaranteed return plans come with extra advantages such as insurance and tax savings. They also tend to give higher returns in the long run than FDs. Such plans also have predictable payouts and assist in goal-based financial planning. Explore the top guaranteed plans below. 

Bajaj Finserv FD Latest Updates

Bajaj Finance is the largest non-banking financial company (NBFC) in India that has received deposits and has lowered its fixed deposit rates for the third time in 2025. The company has reduced rates by 60 basis points, senior citizen additional benefits by 50 to 35 basis points, and special tenures of 18 months and 33 months are also discontinued.

Comparing FDs with Other Options 

Fixed Deposits (FDs) have been one of the most popular investments among investors, due to their safety, assured returns, and capital protection. They may not give the same returns as market-linked instruments, but FDs best suit the risk-averse investors and also offer a stable short to medium-term financial foundation.

What is a Bajaj Finance FD? 

Bajaj Finance FD is a financial product offered by Bajaj Finserv, a deposit-taking non-banking financial company (NBFC). This investment product allows you to grow your money by depositing a lump sum amount, ranging from ₹15,000 to ₹3 crore, for a fixed tenure. The FD provides returns of up to 6.95% p.a. The longer your money stays invested, the more it benefits from the power of compounding, thereby expanding your principal amount.

Bajaj Finance FD Interest Rates: Highlights 

Latest Bajaj Finance FD Interest Rates 2025

Bajaj Finance Bank has revised its FD rates in June 2025 for general citizens (Non-senior) and senior citizens for amounts starting from ₹15,000 to ₹ 3 crore.

Interest Rates Non-Senior Citizens (deposit below 3 crore)

*Bajaj Finance FD interest rates w.e.f. June 11, 2025. 

Types of Bajaj Finance FD Schemes

1. FD For Individuals (Senior Citizens)

This scheme is suitable for people who are 60 years old and older. The Income is assured and does not depend on market conditions, with high-yield investment interest rates up to 7.30% p.a.

• Exclusive Benefits - Additional 0.05% 
• Capital Safety: CRISIL (FAAA) and ICRA (MAAA) high credit ratings 
• Flexible Interest Payout: Monthly, quarterly, or at maturity
• Tax Saving: Option to invest 5-year tax-saving FD under Section 80C

1. FD For Individuals Non-Senior Citizen

    This scheme is basically for people under 60 years of age, or we can say, general citizens. Under this, you can get good returns of up to 6.95% p.a., which is a higher growth than savings.

   • Minimum Investment Amount: Rs 15,000
   • Tenure: 12 to 60 months
   • Safe and Secure: A fixed income plan that guarantees capital
   • Payout Flexibility: Choose between cumulative or periodic payouts of interest

2. FD For Non-Individuals (Businesses, HUFs, Trusts, etc.) 

   This scheme is suitable for companies, partnership firms, Hindu undivided families, associations, and trusts.

   • Minimum Investment Amount: Rs 15,000
   • Tenure: 12 to 60 months
   • Fixed Returns: Returns are fixed
   • Payout Options: Interest on Maturity 
   • Proper Fund Management: Manages excess funds easily 

Key Features of Bajaj Finance FD

The best features of Bajaj Finance FD are mentioned below, and why individuals should invest in Bajaj Finance Fixed Deposits. 

• Bajaj Finance FD Minimum Deposit - Most people can invest in FDs because they can start with as little as 15,000.
• Increased interest rates - It has higher interest rates compared to the regular savings accounts, and hence is a better alternative to keep idle money.
• Guaranteed Returns - The fixed returns are enjoyed upon booking, irrespective of market changes, hence the predictability of income.
• Safety of Principal Amount - Bajaj Finance FDs are rated FAAA/ Stable by CRISIL and MAAA by ICRA, and hence have high safety and low credit risk.
• Flexible Payouts - Decide on the frequency of interest payment as per your cash flow requirements: monthly, quarter, half-year, year, or cumulatively.
• Additional Pensioner Interest - The senior citizens who are 60+ earn 0.35% more p.a. than standard interest rates, which increases their yields.

How to Open a Bajaj Finance FD?

If you want to take advantage of and the benefits of Bajaj Finance FD, then with the help of a few simple steps, you can apply for it. Follow these easy steps, online and offline, given below.

Online FD Account Opening

You can book a Bajaj Finance FD seamlessly from the comfort of your home and earn competitive interest rates. Here are the steps you need to follow.

• Go to the Official Website - Go to the official website for the online application form.
• Check Phone Number -Fill in your 10-digit mobile number and confirm it with the OTP
• Investment Information - Enter the amount, the term, the frequency of payout, PAN, and DOB.
• Complete KYC - Existing customers: Verify or modify your information. New customers: Aadhaar-based KYC.
• Consent and Provide Bank Information - Agree with Terms and Conditions
• Make Payment -Make payment through NetBanking, UPI, NEFT, or RTGS.

Offline FD Opening

If you prefer a traditional, in-person application, you can visit a Bajaj Finance branch or contact their representative.

• Visit a Branch/Connect with Representative: Go to your nearest Bajaj Finance branch or reach out to a Bajaj Finance representative.
• Request FD Application Form: Ask for the Fixed Deposit application form.
• Fill Out the Form: Accurately fill in all required personal details, investment amount, preferred tenure, and interest payout frequency.
• Submit Documents: Provide your KYC documents, such as PAN Card and officially valid documents like Aadhaar Card, Passport, Driving License, or Voter ID.
• Deposit Funds: Make your deposit via cheque or RTGS/NEFT.
• Get FD Receipt: Bajaj Finance will issue a Fixed Deposit Receipt (FDR) as confirmation of your deposit.

Bajaj Finance FD Eligibility

The following criteria must be fulfilled to open a Bajaj Finance FD:

• The customer must be a resident of India
• Individual
• Senior Citizen
• NRIs
• Person of Indian Origin (PIO)
• Overseas Citizens of India (OCI)

Conclusion

Bajaj Finance FD offers a secure and high-return investment option with flexible tenures and guaranteed returns. With competitive interest rates, especially for senior citizens, it is an ideal choice for those looking to grow their wealth safely and conveniently.