Bajaj Finance FD Rates

Bajaj Finance FD Interest Rates Highlights

Highest slab rate	6.95% p.a. (for 2 years to 5 years)
For 1 year	6.60% p.a.
For 2 years	6.95% p.a.
For 3 years	6.95% p.a.
For 4 years	6.95% p.a.
For 5 years	6.95% p.a.

Interest rates are updated as of 5 February 2026

Following are the credit ratings given by some of the agencies to Bajaj Finance:

Credit Rating Agency	Credit Rating
ICRA	AAA/Stable
CRISIL	AAA/Stable

Bajaj Finance Fixed Deposit Rates 2025

Bajaj Finance Fixed Deposit Interest Rates on Domestic Deposits from Rs 15,000 to Rs 5 crore w.e.f. 11 June 2025

Tenor (in months)	Interest Rate (% p.a.)
	Regular Citizens	Senior Citizens
12 – 14	6.60	6.95
15 – 23	6.75	7.10
24 – 60	6.95	7.30

Features of Bajaj Finance Fixed Deposit

• Minimum deposit amount: Rs 15,000
• Tenure: 12 to 60 months
• Additional 0.25% interest rates are offered to senior citizen FD depositors
• Date for interest payments:
  • In the case of non-cumulative deposits:
    • Monthly interest payments: last date of the month
    • Quarterly interest payments: 31st March, 30th June, 30th September and 31st December
    • Half yearly interest payments: 31st March and 30th September
    • Annual interest payments: 31st March
  • In case of cumulative deposits: the date of maturity of the deposit
• Nomination facility is available
• ‘Loan against the deposit’ facility is available after 3 months from the date of deposit
• The loan amount cannot exceed 75% of the deposit amount

Premature Withdrawal of Fixed Deposits

• Premature withdrawal of fixed deposits is allowed only after a minimum lock-in period of 3 months
• No interest will be paid if depositors prematurely withdraw the deposit after 3 months but before 6 months from the date of the deposit
• In case the deposits are withdrawn after 6 months but before the date of maturity of the deposit, interest will be paid after deducting a penal rate of 2% on the rate specified for the period during which the deposit has been opened.
• In case no rate is specified for the deposit period, the interest rate will be paid 3% lower than the lowest rate being offered by the company

Bajaj Finance FD Calculator

Bajaj Finance FD Calculator can be used to check the interest and maturity amount that the depositor will get when the tenure ends. Fixed Deposit offer higher interest rates than savings accounts and are more secure than other investment options (like mutual funds and stocks). Any individual who desires to invest in a fixed deposit account needs to provide the amount that he/she wishes to invest, Bajaj Finance FD rate, and the deposit tenure that he/she wishes to invest for. After providing these details, the investor can check the potential returns and can compare it with other bank FD rates as well.