Explore Bajaj Finance FD interest rates for 2026, expected returns by tenure, senior citizen benefits, and a clear comparison with other top FDs in India.
Anjali Singh
Assistant Manager
Because of the safety and regular returns, an FD is a well-liked Indian investment option. Among the many fixed deposits offered in India, Bajaj Finance offers competitive rates across multiple tenures. The Bajaj Finance FD interest rates vary by tenure and investor category.
Interest rates continue to be a driving factor for investors, both seasoned and new. Naturally, staying updated with the latest Bajaj Finance fixed deposit rates is essential to make an informed financial decision.
Read on as we explore Bajaj Finance FD interest rates across different tenures and investor categories. We will also talk about the eligibility criteria, calculating FD returns, and getting started with investment.
Here’s a snapshot of the latest Bajaj Finance FD interest rates for domestic investors (valid recently as per company disclosures and financial marketplaces).
Figures below reflect cumulative and non-cumulative annualised Bajaj Finance fixed deposit rates for deposits starting at ₹15,000, effective from 11 June 2025.
|
Tenure |
Cumulative |
Non-Cumulative |
|||
|
At Maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half Yearly (p.a.) |
Annual (p.a.) |
|
|
12-14 months |
6.60% |
6.41% |
6.44% |
6.49% |
6.60% |
|
15-23 months |
6.75% |
6.55% |
6.59% |
6.64% |
6.75% |
|
24-60 months |
6.95% |
6.74% |
6.78% |
6.83% |
6.95% |
Disclaimer: Bajaj Finance FD interest rates are revised by the institution. Always verify updated figures before booking an FD.
Most banks and NBFCs offer a higher interest on fixed deposits for senior citizens (aged 60+), compared to rates offered to regular investors. The same applies to Bajaj Finance FD offerings.
The table below shows Bajaj Finance senior citizen FD rates, effective from 11 June 2025.
|
Tenure |
Cumulative |
Non-Cumulative |
|||
|
At Maturity (p.a.) |
Monthly (p.a.) |
Quarterly (p.a.) |
Half Yearly (p.a.) |
Annual (p.a.) |
|
|
12-14 months |
6.95% |
6.74% |
6.78% |
6.83% |
6.95% |
|
15-23 months |
7.10% |
6.88% |
6.92% |
6.98% |
7.10% |
|
24-60 months |
7.30% |
7.07% |
7.11% |
7.17% |
7.30% |
When the regular Bajaj fixed deposit rates are compared with senior citizen FD rates, you can notice a substantial increase. Senior citizen interest advantages are offered by banks and NBFCs as ways to provide greater returns on investment and to provide safety and stability.
Disclaimer: The Bajaj Finance fixed deposit rates for senior citizens can change at the issuer’s discretion. Check the recently updated rates before making investment decisions.
Varying Bajaj Finance FD interest rates are offered for tenures ranging from 1 year to 5 years. The tenure range is suitable for short and mid-term investment planning.
Here are the tenure-wise Bajaj Finance FD rates:
|
Tenure |
Regular (Non-senior) Citizens |
Senior Citizens |
|
At Maturity |
At Maturity |
|
|
12-14 Months |
6.60% |
6.95% |
|
15-23 Months |
6.75% |
7.10% |
|
24-36 Months |
6.95% |
7.30% |
|
Up to 60 months |
6.95% |
7.30% |
Tools like the Bajaj Finance FD calculator help you estimate your maturity amount quickly and accurately.
The Bajaj FD calculator asks for:
When you enter amounts into this Bajaj Finance fixed deposit calculator, it will show both the total maturity amount and total interest earned. This will allow you to compare returns from different tenures and multiple options and find a suitable investment for your financial profile.
Generally, you can open a Bajaj Finance fixed deposit with:
Note: NRIs may have specific documentation and tax implications. Always review terms before investing.
Typically, to begin an FD with Bajaj Finance:
Rating agencies such as CRISIL and ICRA have given Bajaj Finance Ltd excellent credit ratings (AAA/Stable), which shows a moderate to low risk of default.
Unlike bank FDs, DICGC insurance may not apply to NBFC FDs. While the risk is low, Bajaj Finance FDs are not as low-risk as bank FDs.
As you explore and compare Bajaj Finance Ltd FD rates, remember the following:
Bajaj Finance FD interest rates are set differently for different tenures. Updated information on interest rates is crucial to investment decisions, as it influences the total returns and helps investors pick the right FD with a suitable tenure. Bajaj Finance fixed deposit rates can change, and it is always recommended to check the recent updates before starting an investment.
Learn more about your investment opinions and check the latest Bajaj Finance FD rates today with My Mudra.
Also Read:
- Fixed Deposit - Check Latest FD Interest Rates 2026
- How to Apply for a Loan Against FD Online
The interest rate on FD in Bajaj Finance can be higher than public sector bank FD rates, reflecting the NBFC structure. However, investors should compare tenure-wise returns, credit ratings, and risk factors before investing.
No, FD interest rates in Bajaj Finance differ based on the deposit tenure, payout option, and the investor category, like regular or senior citizen.
Bajaj Finance FD renewal online allows existing investors to renew their deposits digitally by selecting a new tenure and payout option. The renewed FD is booked at the prevailing interest rate on the renewal date.
Assistant Manager
Hey there, I'm Anjali Singh. With over 6 years of experience in finance, I specialize in creating content on banking, loans, and financial planning. My goal is to simplify complex financial topics and help readers make informed decisions through my articles.
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