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Bajaj Finance FD Interest Rates
Bajaj Finance offers fixed deposit rates up to 7.75% p.a. for general citizens, and up to 8.15% p.a. for senior citizens. The deposit tenures range from 12 months to 60 months, with a loan against FD up to 75% of the deposit value.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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Latest Bajaj Finance FD Interest Rates
Bajaj Finance Bank has revised its fixed deposit rates in October, and the highest rate is up to 7.75% p.a. for general citizens and up to 8.15% p.a. for senior citizens, with effect from 07th October 2026:
| Tenure | General Citizens (p.a.) | Senior Citizens (p.a.) |
|---|---|---|
| 12 - 17 months | 6.60% | 6.95% |
| 18 - 30 months | 6.85% | 7.20% |
| 31 - 60 months | 7.40% | 7.75% |
*Bajaj Finance FD interest rates w.e.f. October 07, 2026
Bajaj Finance FD Interest Rates: Key Features at a Glance
| Deposit tenure | 12 to 60 months |
|---|---|
| Minimum Deposit Amount | Rs 15,000 |
| Maximum Investment | Up to 3 Cr. |
| Auto-Renewal | Available |
| Overdraft Against FD | Up to 90% |
| Senior Citizen Benefits | Up to 0.40% higher rates |
| Loan Against FD | Up to 75% of the invested value |
How are Bajaj Finance FD Rates Decided?
Bajaj Finance sets its fixed deposit interest rates based on market trends, overall financial rules, and how much money it needs for loans.
- RBI policy changes: When the central bank changes its main interest rates, Bajaj Finance and other banks usually update their FD rates to match market trends and compete with each other.
- Funding needs: When more people take out loans, the company raises FD rates to encourage more deposits.
- Deposit tenure: Interest rates depend on how long you invest, with mid-to-long term deposits often offering the best returns.
Bajaj Finance Tax Saving FD Interest Rates
Bajaj Finance doesn't have a tax-saving FD scheme under Section 80C. However, you can still lock in high returns with their regular 5-year (60-month) fixed deposit. It offers up to 7.75% p.a. for regular depositors and up to 8.15% p.a. for senior citizens.
FAQs
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What are the current Bajaj Finance FD Interest Rates?
The latest Bajaj Finance FD Rates are up to 7.75% p.a. for non-senior citizens and up to 8.15% p.a. for senior citizens, depending on the tenure. -
What is Bajaj Finance FD?
Bajaj Finance FD is a fixed deposit offered by Bajaj Finserv, providing high returns and principal safety with flexible tenures ranging from 1 to 5 years. -
Is Bajaj Finance FD safe?
Yes, Bajaj Finance FD is considered safe with high credit ratings and guarantees the safety of your invested amount. -
Can senior citizens invest in Bajaj Finance FD?
Yes, senior citizens can invest and enjoy higher Bajaj Finance FD Rates for Senior Citizens, up to 8.15% p.a. -
What is the Bajaj Finance FD scheme for Senior Citizens?
Bajaj Finance offers a dedicated Fixed Deposit scheme for senior citizens (aged 60 and above) that offers a 0.40% higher interest rate than its regular FDs, perfect for those who want higher returns. -
Does Bajaj Finance offer short-term fixed deposit options?
Yes, Bajaj Finance short-term fixed deposit offers tenures ranging from 12 to 60 months. They provide competitive interest rates for these periods that serve investors looking for relatively short-to medium-term financial goals.
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10 Feb 2026
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ 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
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ