Bajaj Finance FD Interest Rates

Bajaj Finance is one of India’s most diversified NBFCs. Trusted with 1.4 million deposits and 5 lakh+ FD customers, this NBFC is constantly ranked #1 in the banking space. As of July 17, 2025, Bajaj Finance fixed deposit rates start from 6.60% p.a. for regular investors and 6.95% p.a. for senior citizens. 

Want to lock in attractive returns? In this article, let’s check out the latest Bajaj FD rates 2025 along with the yield till maturity. Also, you will learn some key features of Bajaj Finance FD and the associated premature withdrawal rules. 

Bajaj Finance Fixed Deposit Rates 2025

As of July 17, 2025, Bajaj Finance runs two types of FD schemes for two age groups:

• Non-senior citizens, below 60 years

and

• Senior citizens, 60 years and above

The interest rate depends on the investor’s age group and the tenure of the deposit. This NBFC offers senior citizens an additional 0.35% per annum over the rates offered to non-senior citizens. Furthermore, investors can choose how they want to receive the interest:

• Monthly
• Quarterly
• Half-yearly
• Annually
• At maturity (in the case of cumulative deposits)

Want to know the latest Bajaj FD rates 2025? The below Bajaj Finance fixed deposit rates are effective from 11 June 2025 and are applicable for investments between ₹15,000 and ₹3 crores:

A) Bajaj Finance FD Rates 2025 (For Customers Below 60 years)

Tenure (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%	6.49%	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%

B) Bajaj Finance FD Rates for Senior Citizens 2025 (For Customers 60 years and above)

Tenure (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%

Some Important Points:

• “At maturity” means the interest is paid at the end of the deposit period.
• The other options are periodic interest payouts (monthly, quarterly, etc.). They offer slightly lower effective rates due to earlier disbursals.

Are you more interested in cumulative FDs? Check out the next section to understand what yield till maturity you can realise with Bajaj Finance FD online.

Bajaj Finance Fixed Deposit Rates - Yield Till Maturity (YTM) 2025

For those unfamiliar, the “yield” represents the actual annual return after accounting for compounding. When this yield is applied to your investment amount, it gives the “Payable Amount”, which is the total sum you will receive at maturity.

To better understand and analyse the Bajaj Finance FD rates, see the example below that shows the payable amount on a ₹15,000 investment (the minimum deposit required):

Yield Table – For Customers Below 60 Years of Age (For Investment of ₹15,000)

Period (months)	FD Rate (p.a.)	Effective Yield (p.a.)	Payable at Maturity
12	6.60%	6.60%	₹15,990
15	6.75%	6.81%	₹16,285
24	6.95%	7.19%	₹17,157
60	6.95%	7.99%	₹20,989

Yield Table – For Customers Above 60 Years of Age (For Investment of ₹15,000)

Period (months)	FD Rate (p.a.)	Effective Yield (p.a.)	Payable at Maturity
12	6.95%	6.95%	₹16,043
15	7.10%	7.16%	₹16,352
24	7.30%	7.57%	₹17,270
60	7.30%	8.45%	₹21,335

Some Major Observations You Must Notice

• The longer you invest, the higher the maturity amount due to compounding.
• A ₹15,000 investment grows to:
• ₹21,335 in 5 years for senior citizens 

and

• ₹20,989 for regular investors.

• Senior citizens get higher returns across all tenures.

Get an extra 0.35% p.a. on your FD interest. Invest safely and grow your wealth with guaranteed returns and flexible payout options. Book your FD within minutes!

8 Key Features of Bajaj Finance FD You Must Know!

With Bajaj Finance FDs, you can earn guaranteed returns without taking any market risk. These FDs are available with flexible tenures and payout options. Looking to invest? Gain more clarity through these key features below: 

1. Minimum Deposit Amount is Only ₹15,000!

To open a fixed deposit with Bajaj Finance, you must invest at least ₹15,000. This is the minimum amount required, and any amount above this can be invested, up to a limit of ₹3 crore. This condition applies whether you are a regular investor or a senior citizen.

2. Tenure of 12 to 60 Months

You can choose a deposit period starting from 12 months up to 60 months. For those unaware, the tenure determines how long your money stays invested and also affects the interest rate. 

3. Additional 0.35% Interest for Senior Citizens

If you are 60 years or older, you receive an extra 0.35% interest on the standard FD rates. In this way, customers above the age of 60 years can earn better returns on their savings. Please note that this additional interest applies across all tenures and payout options.

4. Interest Payment Dates (Non-Cumulative Deposits)

In non-cumulative FDs, the interest is paid at regular intervals instead of at maturity. Let’s see how:

• Monthly interest is paid on the last day of each month. 
• Quarterly interest is paid on 31st March, 30th June, 30th September, and 31st December. 
• Half-yearly payments are made on 31st March and 30th September.
• Annual payments are made on 31st March.

5. Interest Payment for Cumulative Deposits

For cumulative FDs, the interest is not paid at regular intervals. Instead, it is compounded and paid out along with the principal at the time of maturity. 

Who should prefer this scheme? This option is highly suitable for investors who do not need regular income and want to receive a lump sum at the end of the deposit term.

6. Nomination Facility is Available

You can nominate a person to receive the FD amount in case of the account holder’s death. You can even add or change the nominee anytime during the deposit term by submitting a request.

7. Loan Against Deposit After 3 Months

You can take a loan against your FD after it has completed 3 months. This allows you to access funds without breaking the deposit. The benefit? The loan helps in emergencies while your FD continues to earn interest.

8. Loan Limit is Up to 75% of Deposit Amount

The maximum loan amount you can get against your FD is 75% of your original deposit. For example, if your deposit is ₹1,00,000, you can borrow up to ₹75,000. The interest rate charged is 2% p.a. more than your contracted Bajaj Finance fixed deposit rate.

Premature withdrawal of Bajaj Finance FDs

Bajaj Finance allows premature withdrawal only after completing a minimum lock-in period of 3 months. The treatment of interest depends on when the deposit is withdrawn. There are four main cases; study them in the table below:

Cases	Withdrawal Timing	Interest Treatment
I	Before 3 months from the deposit date	Not allowed. Withdrawal is not permitted before completing 3 months.
II	After 3 months but before 6 months	No interest is paid. Even if the deposit stayed for a few months, the investor earns zero interest.
III	After 6 months	Interest is paid, but 2% less than the interest rate applicable for the actual completed period of the deposit.
IV	If no interest rate is specified for the period	In this case, interest is paid at a rate that is 3% lower than the lowest FD rate offered by the company at the time of withdrawal.

Choose Stability, Not Market Risk! Book Your FD with GoldenPi Today!

With Bajaj Finance FDs, you can grow your savings with minimal risk. As of July 17, 2025, you can enjoy up to 7.30% p.a. with tenures ranging from 12 to 60 months. Additionally, you can choose how often you want to receive interest, and even access your money early if needed (with certain terms). The option to take a loan against your FD adds extra convenience without breaking your investment.

So, are you looking for guaranteed returns with peace of mind?Start your FD with Bajaj Finance today and lock in attractive returns. Begin from just ₹15,000 now!