Bajaj Finance FD Scheme

Bajaj Finance is one of India’s leading deposit-taking NBFCs, trusted by over 5 lakh FD customers. It has gained strong popularity among fixed-income investors due to its competitive interest rates and high credit ratings. 

As of July 17, 2025, the Bajaj Finance FD scheme provides interest rates ranging from 6.41% to 6.95% for regular investors and 6.74% to 7.30% for senior citizens. So, are you looking to earn better returns without market risks?

In this article, we’ll check out the latest fixed deposit schemes in Bajaj Finance, interest rates, and key benefits. Additionally, we will learn is Bajaj Finance FD safe and why you should opt for it. 

Bajaj Finance Scheme for Senior Citizens 2025

Planning for a stable income after retirement? The Bajaj Finance scheme for senior citizens is a reliable choice for low-risk investors. With this NBFC, you can enjoy higher interest rates and flexible payout options. 

Let’s find out some special benefits offered by Bajaj Finance for senior citizens:

Feature	Details
Interest Rate	Up to 7.30% p.a.
Additional Rate Benefit	0.35% higher than regular FDs
Tenure	12 to 60 months
Minimum Investment	₹15,000
Premature Withdrawal	Allowed after 3 months from the FD date (incurs a penalty)
Loan Against FD	Up to 75% of the FD value
Safety	High credit ratings:  CRISIL AAA/ Stable  ICRA AAA

Current Interest Rates for Senior Citizens

The rates below are effective as of June 11, 2025, and are applicable for FDs of amounts between ₹15,000 and ₹3 crore: 

Tenure (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%

Want to retire peacefully!Invest in the Bajaj Finance scheme for senior citizens online.

Latest Bajaj Finance FD Schemes for Non-Senior Citizens

Besides FD schemes for seniors, the NBFC also offers a range of fixed deposit options for individuals below 60 years of age. They provide attractive interest rates and come with strong safety ratings. Let’s gain more clarity:

Feature	Details
Interest Rates	Up to 6.95% p.a. for customers below 60 years (varies by tenure and payout)
Payout Options	Monthly Quarterly Half-Yearly Annually At Maturity (Cumulative)
Tenure Options	12 to 60 months
Minimum Deposit	₹15,000
Maximum Deposit	₹3 crore
Safety Ratings	CRISIL AAA/Stable and ICRA AAA/Stable
Loan Against FD	Up to 75% of the deposit value
Premature Withdrawal	Available after 3 months (penalties may apply)

Current Interest Rates for Non-Senior Citizens

The rates below are effective as of June 11, 2025, and apply to customers below the age of 60 years:

Tenure (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%

Tired of low bank interest rates? Choose an AAA-rated fixed deposit trusted by over 5 lakh investors. You can book your FD with Bajaj Finance from here!

Is Bajaj Finance FD Good?

If you’re looking for a safe way to grow your savings without worrying about daily market fluctuations, a Bajaj Finance FD is one of the most dependable options out there. Why? 

Among the many providers, Bajaj Finance stands out, not just for its competitive returns but for the flexibility, digital convenience, and safety it offers. Let’s study some key reasons to consider it for your next investment:

1. 100% Online Process (No Branch Visit Needed)

Opening an FD with Bajaj Finance is fully digital. You don’t need to visit any branch or fill out physical forms. Everything (from initiating the application to making the final investment) can be done online via GoldenPi within minutes!

This makes it highly convenient, particularly for working professionals who don’t have time for branch visits. Additionally, it also reduces paperwork and speeds up the process.

2. “My Account” Portal for Easy Management

Once your FD is active, you get access to “My Account”, a dedicated customer portal offered by Bajaj Finance. Using this portal, you can:

• Download receipts
• Track interest earned
• View maturity dates
• Get statements
• Apply for renewals

Isn’t it like having a mini bank for your FDs that is open 24/7? Such transparency and ease of access significantly simplify the FD management process.

3. Loan Against FD (Up to 75% of Value)

Need funds in an emergency but don’t want to break your FD? With fixed deposit schemes in Bajaj Finance, you can take a loan of up to:

• 75% of your deposit value for cumulative FDs

and

• 60% for non-cumulative FDs

To avail of this loan, you must pay 2% p.a. extra on your underlying FD rate. This option is cheaper than a personal loan and even keeps your FD intact while giving you liquidity. 

Is Bajaj Finance FD Safe?

Fixed deposit schemes in Bajaj Finance hold the AAA rating from both CRISIL and ICRA. For those unaware, these are the top ratings assigned by India’s leading credit agencies. This indicates an extremely low risk of default and strong financial stability.

Still concerned? Let’s see what RBI and some important studies have found:

1. RBI Classification of an “Upper Layer NBFC”

The Reserve Bank of India (RBI) has created four layers of classification for NBFCs under its Scale-Based Regulation (SBR) framework. Bajaj Finance is ranked in the second position within the “Upper Layer”. This means it is one of the largest and most systemically important NBFCs in India.

2. A 2021 Research Study

In 2021, a research study was conducted on Bajaj Finance. It used a method called Spearman’s rank correlation coefficient to study three major relationships between:

1. Revenue and Gross Non-Performing Assets (NPAs)
2. Profit After Tax (PAT) and Gross NPAs
3. Return on Assets (ROA) and Gross NPAs

Let’s see what they found about Bajaj Finance:

Particulars	Finding I	Finding II
Observation	There was a positive correlation: Between Revenue and gross NPAs and Between PAT and gross NPAs.	There was a negative correlation Between ROA and gross NPAs.
Interpretation	Bajaj Finance’s revenue or profit increased. Along with this, its gross NPAs also slightly increased.	As NPAs increased, the efficiency of asset usage (ROA) slightly declined.

What do these findings mean for you as an investor? These are usual financial patterns and indicate normal risk levels. The organisation is highly stable and is professionally managing NPAs. Most importantly, Bajaj Finance is profitable and operationally strong.

3. The 2023 Stock Market Study

Another 2023 study looked at 30 companies listed on the Bombay Stock Exchange (BSE).

It found that Bajaj Finance stock achieved the highest average return of 58.58% among all those companies.

Now, for you, as an investor, this means Bajaj Finance has strong investor confidence. Its stock has performed better than many others, which suggests that the company is financially strong and growing.

Book Your Bajaj Finance FD Today with GoldenPi

Bajaj Finance has a long-standing track record of honoring all deposit commitments on time (even in challenging market conditions). As a result, this NBFC has fetched the highest possible safety ratings from India’s leading rating agencies. 

If you are a conservative investor looking to earn competitive and non-market-linked returns, Bajaj Finance FD schemes can be your perfect choice. Open your Bajaj Finance FD online in just a few clicks!