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Fixed Deposit

Highest stability ratings | Interest rates up to 8.85% p.a. | Open with just ₹15,000
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अपने फिक्स्ड डिपॉज़िट का अधिकतम लाभ उठाने के चार तरीके
 
 
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हर घर #BajajWaaliDigitalFD
 
 
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Trusted by 5 lakh+ customers

Fixed Deposit
Highest stability ratings | Interest rates up to 8.85% p.a. | Open with just ₹15,000

4 reasons to choose FD

Watch Video ‌
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CRISIL AAA/STABLE

Bajaj Finance Fixed Deposits are a top choice for secure financial planning. Our CRISIL AAA/STABLE rating reflects a strong commitment to financial stability, making our FDs a prudent choice for discerning investor. With a proven history of excellence, these deposits provide safety and the potential for significant growth.

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[ICRA]AAA(Stable)

Bajaj Finance Fixed Deposits proudly boast an [ICRA]AAA(STABLE) rating, demonstrating a strong commitment to financial excellence. This top-tier rating ensures the utmost credibility, stability, and growth potential for your investments. Bajaj Finance Fixed Deposits not only secure your financial goals but also offer remarkable growth opportunities, empowering you to achieve a brighter financial future.

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1-hour booking*

Your fixed deposit will be booked within one hour of receiving the amount, subject to document verification.

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2 unique variants

Bajaj Finance offers two fixed deposit options: Digital FD: Digital FD offers an attractive interest rate of up to 8.65% p.a. on 42 months tenure. You can book the Bajaj Finance Digital FD online, through the Bajaj Finserv website or app. Systematic Deposit Plan (SDP): Invest regularly with monthly deposits starting at ₹5,000 for flexible tenures ranging from 12 to 60 months. Earn interest on each deposit based on prevailing rates.

4 reasons to choose FD

Watch Video ‌
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CRISIL AAA/STABLE

Bajaj Finance Fixed Deposits are a top choice for secure financial planning. Our CRISIL AAA/STABLE rating reflects a strong commitment to financial stability, making our FDs a prudent choice for discerning investor. With a proven history of excellence, these deposits provide safety and the potential for significant growth.

/content/dam/bajajfinserv/web/in/en/xaop/assets/sku-image-asset/investment/fd-sdp/investment_pdp_featureicon/FD_ICRA_AAA_STABLE.png
[ICRA]AAA(Stable)

Bajaj Finance Fixed Deposits proudly boast an [ICRA]AAA(STABLE) rating, demonstrating a strong commitment to financial excellence. This top-tier rating ensures the utmost credibility, stability, and growth potential for your investments. Bajaj Finance Fixed Deposits not only secure your financial goals but also offer remarkable growth opportunities, empowering you to achieve a brighter financial future.

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1-hour booking*

Your fixed deposit will be booked within one hour of receiving the amount, subject to document verification.

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2 unique variants

Bajaj Finance offers two fixed deposit options: Digital FD: Digital FD offers an attractive interest rate of up to 8.65% p.a. on 42 months tenure. You can book the Bajaj Finance Digital FD online, through the Bajaj Finserv website or app. Systematic Deposit Plan (SDP): Invest regularly with monthly deposits starting at ₹5,000 for flexible tenures ranging from 12 to 60 months. Earn interest on each deposit based on prevailing rates.

FD Calculator

Fixed Deposit Calculator

Plan your investments better

Features and benefits of our fixed deposit

  • Bajaj Finance Digital FD – Interest Up To 8.65% p.a.

    Unlock higher returns, earning up to 8.65% p.a., with the Bajaj Finance Digital FD for 42 months — available exclusively on our website and app.

  • Higher FD rates on our special tenures

    We offer higher FD rates on special tenures of 18, 22, 33, 42 and 44 months.

  • Earn secured returns up to 8.65% p.a.

    Get the highest interest rate on a tenure of 42 months . The longer you invest, the more returns you get.

  • Higher FD rates for senior citizens

    If you are a senior citizen (over 60 years of age), you get up to 0.40% p.a. additional FD interest rate.

  • Highest credit ratings

    Our highest [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings ensure that your deposits are secured with us.

  • Flexible interest payout

    We offer monthly, quarterly, half-yearly, and yearly interest payout options. You also have the option of full payout (interest + principal) at the end of the tenure (maturity).

  • End-to-end online process

    We have created an end-to-end online process where you can book an FD without going to any branch.

  • Dedicated customer portal (My Account)

    Manage your FD online. Download your Fixed Deposit Receipt (FDR), Interest Certificate (IC), Statement of Accounts (SOA) and other relevant documents.
    Login to My Account

  • Loan Against your Fixed Deposit (LAFD)

    You can raise a loan against your fixed deposit. For cumulative deposit, loan of up 75% of your invested amount and 60% of your FD in case of non-cumulative FD.

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Eligibility criteria and documents required

Anyone can book our fixed deposit if they meet the basic criteria mentioned below.

  • Nationality: Resident Indians / Non-Resident Indians
  • Investor Type: Individuals, Senior Citizens, Minors, Sole Proprietorships, Partnership Firms, HUFs, Clubs, Associations, Societies, and Family Trusts

Documents required

  • PAN and any KYC document: Aadhaar card/Passport/Driving license/Voter ID

*Documents can also be fetched from registered KYC.
 
You can update KYC Via CKYC, OKYC & Digi locker

Non-Resident Indians (NRIs), Persons of Indian Origin (PIO) and Overseas Citizens of India (OCI) can connect with our representative or write to us on wecare@bajajfinserv.in

How to renew your fixed deposit?

You have the option to renew your FD up to 24 hours before maturity. Follow the 6 steps below:

  1. Sign in to our Customer Portal – My Account with your registered date of birth, mobile number, and OTP. 
  2. Click on ‘My Relations’, available on your home page. Click on ‘View All’ to see all your relationships with us.
  3. Of all your relationships, select the fixed deposit that you want to renew, and click on ‘Renew your Fixed Deposit’.
  4. All the details about your FD, including interest rate and maturity amount, will be shown along with the bank details. Click on ‘PROCEED’.
  5. Choose from the three renewal options – ‘Principal’, ‘Principal + Interest’ or ‘Partial Renewal’. Also, select the payout frequency and tenure.
  6. Accept the Terms and Conditions and verify your renewal details using the OTP sent on your mobile number.

How to invest in a fixed deposit?

A step-by-step guide to invest in a fixed deposit

Step 1: Visit the Bajaj Finserv website or download the app from Google Play Store or App Store

Step 2: Navigate to 'Investments' and click on 'All Investments' on the home page

Step 3: Click on 'Digital FD' icon. You will be redirected to the Fixed Deposit (FD) page

Step 4: Click on ‘OPEN FD’. The online application form will open

Step 5: Enter your 10-digit mobile number and verify the OTP sent to your phone

Step 6: Fill in the investment amount, choose the investment tenure and the payout frequency. Enter your PAN card and date of birth

Step 7: Complete your KYC

  • If you are an existing customer, confirm the details available with us, or edit to make any changes
  • For new customers, complete your KYC using Aadhaar Card

Step 8: A declaration will be displayed. Please read it carefully and agree to the terms and conditions

Step 9: Enter your bank details and proceed to pay

Step 10: Complete your investment using NetBanking/ UPI or NEFT/ RTGS

Once your fixed deposit is booked, you will receive the Fixed Deposit Acknowledgement (FDA) on your registered email address and as a link on your mobile number. An Electronic Fixed Deposit Receipt (e-FDR) will also be sent to your email ID within 3 working days (subject to documents being in the correct order)

2 types of our fixed deposit

  • Bajaj Finance Digital FD

    The Bajaj Finance Digital FD, a hallmark of secure and high-yielding investments, offers an attractive interest rate of up to 8.65% p.a. on a fixed deposit tenure of 42 months. You can only book the Bajaj Finance Digital FD online, through the website or app. By combining the trust of Bajaj Finance with the ease of digital transactions, Digital FD is a great investment option for investors of today.

  • Bajaj Finance FD Max

    Bajaj Finances FD Max is a fixed deposit scheme tailored for investments up to ₹25,000, offering competitive interest rates. For a 42 month tenure, non-senior citizens can earn up to 8.60% p.a., while senior citizens benefit from rates up to 8.85% p.a. This FD can be conveniently managed online and offline, providing both attractive returns and ease of access.

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Frequently asked questions

What is the Digital FD offered by Bajaj Finance?

Bajaj Finance has launched a new FD, "Bajaj Finance Digital FD", for a period of 42 months. Bajaj Finance is providing one of the highest interest rates of up to 8.65% p.a. for senior citizens and for the customers below the age of 60 they are providing a rate of up to 8.40% p.a. The Digital FD can be opened and managed only through the Bajaj Finserv website or app.

What is a fixed deposit, and how does it work?

Fixed Deposit is an investment tool offered by banks and non-banking financial institutions (NBFCs), through which you can invest your money for a specific amount of time at a fixed interest rate.
When you invest in an FD, the financial institution assures you that it will return your money at the end of the tenure, often known as the maturity period, and will also pay you interest.

What is the tenure for investing in a Bajaj Finance FD?

Bajaj Finance offers flexible tenure options to all customers. While investing, you can choose any tenure from 12 months to 60 months. The interest rate for each investment varies based on the tenure selected by the investor. Bajaj Finance also offers special returns on special tenures of 18, 22, 33, 42 and 44 months. 

Can I withdraw from my fixed deposit before maturity?

Bajaj Finance allows premature withdrawal option for fixed deposits to all the depositors, which allows them to close the FD before the scheduled maturity date.
Click Here to know more about how to avoid premature FD withdrawal.

How many deposits can I make with Bajaj Finance Fixed Deposit?

There is no limit to the number of deposits you can make with Bajaj Finance Fixed Deposit. Presently Bajaj Finance offers FD rates up to 8.65% p.a.

How much can be deposited in a fixed deposit?

Customers looking for online FD booking can invest between Rs. 15,000 to Rs. 3 crore in Bajaj Finance Fixed Deposit.

For offline investors, there is no upper limit to the investment amount.

Can I get monthly interest on FD?

Yes, you can obtain monthly interest on a fixed deposit by selecting an FD non-cumulative monthly scheme.

With the non-cumulative scheme by Bajaj Finance, customers can choose to fund their regular expenses by getting a periodic income.

How can I invest in a fixed deposit?

Investing in Bajaj Finance Fixed Deposit is easy. You can invest in FD via either online or offline mode. You can invest offline through your nearest branches or our representatives.

Is Bajaj Finance Fixed Deposit safe?

Yes, investing in Bajaj Finance Fixed Deposit is safe. It is accredited with [ICRA]AAA(Stable) and CRISIL AAA/STABLE ratings, which indicate the highest level of safety and lowest investment risk.

Why is FD the safest investment?

A fixed deposit is secure compared to market-dependent investment options like a mutual fund, SIP, and stock. Since a fixed deposit is not based on market expansion, its interest rate does not change over the course of its duration. Bajaj Finance FD rates have been rated CRISIL AAA/STABLE and [ICRA]AAA(Stable). Fixed Deposit is one of the safest investment options in India as it enables the depositor to take control of the investments with great flexibility and offers guaranteed returns.

Know more about Fixed Deposit.

What is the FD rating?

Bajaj Finance FD rates have been rated CRISIL AAA/STABLE and [ICRA]AAA(Stable). Fixed Deposit is one of the safest investment options in India as it enables the depositor to take control of the investments with great flexibility and offers profitable returns.

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Watch our videos

Financial goals you can achieve by investing in Fixed Deposits.
 
 

Financial goals you can achieve by investing in Fixed Deposits.

What is the eligibility criteria for our FD
 
 

What is the eligibility criteria for our FD

4 ways to make the most of your Fixed Deposit
 
 

4 ways to make the most of your Fixed Deposit

Systematic Deposit Plan (SDP) vs Recurring Deposit (RD)
 
 

Systematic Deposit Plan (SDP) vs Recurring Deposit (RD)

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

 

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.