Bajaj Finance FD

What is a Baja 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 Rate

FD Interest rates in India are competitive and offer higher returns. Bajaj Finance FD offers attractive interest rates for various tenures, catering to the needs of different investors. The interest rates for deposits up to ₹3 crore as of June 2025 are as follows:

1. Non-Senior Citizens:

   Tenor in Months	At Maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half-Yearly (p.a.)	Annual(p.a.)
   12-14	6.60%	6.41%	6.44%	6.46%	6.60%
   15-23	6.75%	6.55%	6.59%	6.64%	6.75%
   24-60	6.95%	6.74%	6.78%	6.83%	6.95%

2. Senior Citizens: 

   Tenor in Months	At Maturity (p.a.)	Monthly (p.a.)	Quarterly (p.a.)	Half-Yearly (p.a.)	Annual(p.a.)
   12-14	6.95%	6.74%	6.78%	6.83%	6.95%
   15-23	7.10%	6.88%	6.92%	6.98%	7.10%
   24-60	7.30%	7.07%	7.11%	7.17%	7.30%

Features of Bajaj Finance FD

The features of Bajaj Finance FD are

• Minimum Deposit: ₹15,000
• Higher Interest Rates: Higher than those of a savings account
• Guaranteed Returns
• Safety of Principal Amount
• Flexible Payout of Interest
• Up to 0.35% Extra for Senior Citizens

Types of Bajaj Finance FD

1. FD for Individuals – Non-Senior Citizens:

   • Invest easily and earn assured returns of up to 6.95%
   • The best investment for individuals looking for stable and higher growth

2. FD for Non-Individuals:

   • Ideal for business or family investments
   • Easy, assured returns
   • Option for regular interest payout or payout at maturity

3. FD for Senior Citizens:

   • Up to 7.30% p.a. returns
   • Additional benefits compared to other FDs
   • Ideal for senior citizens looking for a stable income source with superior returns

Bajaj Finance FD Eligibility

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

• The candidate must be a resident of India

The following investors can open an FD account with Bajaj Finance:

• Individual
• Senior Citizen

How to Open a Bajaj Finance FD?

Follow these easy steps to open a Bajaj Finance FD

Step 1: Go to the official website of Bajaj Finserv

Step 2: At the top of the page, click on 'Open FD'

Step 3: Verify OTP by entering your mobile number

Step 4: Fill in the details: Investment amount, Investment tenure, and payout frequency

Step 5: Enter PAN details and your Date of Birth (DOB)

Step 6: Complete your KYC

Step 7: Enter bank details and proceed to pay

Step 8: Complete your investment using NetBanking/UPI or NEFT/RTGS

Documents Required to Open a Bajaj Finance FD

To open a Bajaj Finance FD account, the following documents are required:

• PAN Card
• KYC Document: (Any one) 
  • Aadhar
  • Passport
  • Driving License
  • Voter ID

Note: Your KYC can be updated through CKYC, OKYC, or Digilocker.

Benefits of Bajaj Finance FD

• End-to-end online process
• Highest credit ratings ensure the safety of the invested amount
• Competitive returns
• Easy to invest: Simple process

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.