Bajaj Finance FD Calculator  

Bajaj Finance Limited (BFL) is a major non-banking financial company (NBFC) in India, headquartered in Pune. Currently, over ₹50,000 crore worth of deposits have been booked with Bajaj Finance, and it has over 5 lakh FD customers. 

As of July 16, 2025, this NBFC is offering interest rates up to 7.30% p.a. Are they safe? Yes, its FDs carry CRISIL AAA/Stable and ICRA AAA/Stable ratings. 

So, planning to book an FD? Before you invest, it’s smart to know what you’ll earn. The Bajaj Finance FD Calculator allows you to estimate your maturity amount in advance. Let’s understand how it works in detail.

What is the Bajaj Finance FD Calculator? 

The Bajaj Finance FD calculator is a free online tool that allows you to determine how much money you will get at the end of your fixed deposit tenure. It shows two main results:

Result I	Result II
The total interest you will earn over the period.	The final maturity amount. It is your original investment plus the interest earned.

By using the Bajaj Finance FD rates calculator, you can easily find out how much wealth you can accumulate by depositing a certain amount for a specified tenure at prevailing interest rates. This way, you can plan your investment better by knowing in advance how much you will receive at maturity.

How to Use the Bajaj Finance FD Calculator? 

To get accurate results with the Bajaj Finance FD interest rates calculator, you need to provide certain inputs. Let’s check them out:

Entries to be made	Explanation
Deposit Amount	This is the amount of money you want to invest in the FD. It is also called the principal amount.
Tenure	This is the duration for which you want to keep the money invested. With Bajaj Finance, the tenure ranges from 12 to 60 months.
Payout Option	Now, you have to select how you want to receive the interest. Cumulative: Interest is paid at the end of the tenure, along with the principal. Non-Cumulative: Interest is paid regularly (monthly, quarterly, or half-yearly).
Citizen Type	The calculator also asks you to select your citizen type, whether you are a senior citizen or a regular investor.  You need to toggle and select the correct option. Please note that it is important because senior citizens get a 0.35% p.a. extra interest rate compared to regular investors (as of July 16, 2025)

Be aware that once you choose the citizen type and the FD tenure, the interest rate is auto-filled based on Bajaj Finance’s current rates for that category. You don’t need to enter the rate manually. This feature makes sure your calculation is accurate and matches the latest available rates.

Steps to Use the Bajaj Finance FD Calculator

To use the Bajaj Finance FD interest rates calculator, follow these steps:

Step I: Enter Deposit Amount

• Type in the amount you want to invest as a fixed deposit.

Step II: Specify Preferred Tenure

• Choose how long you want to keep the money in the FD.
• You can choose anywhere between 12 and 60 months.

Step III: Select Customer Category

• Choose whether you are a regular investor or a senior citizen. 

Step IV: Select Payout Option

• Pick between cumulative (interest paid at maturity) or non-cumulative (interest paid periodically).

Step V: View Results

• Now, the calculator will auto-fill the applicable interest rates based on your earlier selections.
• Lastly, the Bajaj Finance FD rates calculator will show the maturity amount and the total interest you will earn over the selected tenure.

Don’t invest blindly! As an FD investor, you must know your returns before you invest. Try the Bajaj FD Calculator Now!

5 Major Advantages of the Bajaj Finance FD rates calculator

The Bajaj Finance FD calculator is a decision-making digital tool for anyone planning to invest in fixed deposits. If you're a first-time FD investor or a senior citizen planning for a regular income, you must use this calculator to clearly understand your potential returns. 

For more clarity, let’s study the five key advantages of the Bajaj Finance FD rates calculator that make it worth using:

1. Know Your Exact Returns in Seconds!

The Bajaj Finance fixed deposit interest rates calculator 2025 removes the need for manual interest calculations. Once you enter the investment amount, tenure, and payout option, it instantly shows:

• The interest you will earn 

and

• The final maturity value

With this result, you know exactly what to expect at the end of your FD period. It eliminates guesswork and provides accurate numbers to base your decisions on.

2. Compares Payout Options Instantly

The Bajaj Finance FD calculator lets you select either of these options - Cumulative (interest paid at maturity) or Non-cumulative (interest paid monthly, quarterly, etc.). 

Through this feature, you can make a comparison and:

• See which option gives you higher total returns.
• Understand whether regular income or maximum growth suits your needs better.

Ideally, you should choose non-cumulative if you need income during the tenure (say, for monthly expenses). Whereas, go with the cumulative option if you can wait and want to earn interest on interest (this option always leads to higher returns).

3. Auto-Fills Interest Rates Based on Profile

Once you select whether you are a regular or senior citizen and choose a tenure, the calculator automatically fills in the applicable interest rate. This rate is based on Bajaj Finance’s current offerings for your category. 

This feature reduces the chances of entering the wrong rate, and you get to enjoy 100% accuracy in the results.

4. Helps You Choose the Right Tenure

Please realise that different tenures attract different interest rates. For example, with Bajaj Finance, as of July 16, 2025, you can earn up to 6.95% p.a. for a tenure between 24 and 60 months, whereas the rate falls to 6.60% p.a. for a tenure between 12 and 14 months.

Now, with the Bajaj Finance FD calculator, you can:

• Test multiple time periods/ tenures, say, 12 months vs. 36 months

and

• Immediately see how the interest and maturity amount change

This knowledge lets you choose a tenure that matches your real expectations for returns and liquidity.

5. Assists in Better Financial Planning

The Bajaj Finance FD calculator shows future returns in exact numbers. This makes budgeting and goal planning easier. Whether you're saving for a short-term need or building a retirement corpus, the calculator supports all kinds of financial planning.

As an investor, you can adjust multiple inputs until you find a combination that best suits your plans and available capital.

Open your Bajaj FD in Minutes with GoldenPi Today!

The Bajaj Finance FD calculator is a free digital tool available on the official GoldenPi website. By using it, you can easily calculate how much you will earn from your fixed deposit investment upon maturity. All you have to do is enter four basic details:

• Deposit amount
• Tenure
• Citizen type
• Payout option

The calculator instantly shows your total interest and maturity amount. With over ₹50,000 crore worth of FDs booked and high safety ratings from CRISIL and ICRA, Bajaj Finance is a trusted name in fixed deposits. 

So, are you looking to get a regular income or build long-term wealth? Use the Bajaj Finance FD calculator today to invest with 100% clarity.