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Bajaj Finance FD Rates

Home Fixed Deposit Bajaj Finserv FD Rates

Bajaj Finance offers FD interest rates of 7.35-8.35% p.a. to the general public and 7.60-8.60% p.a. to senior citizens on tenures ranging from 1 year to 5 years. NRI depositors can book Bajaj Finance FDs, also known as Bajaj Finserv FDs, at interest rates ranging from 7.35-8.05% on tenures ranging from 1 year to 3 years. This NBFC has been accredited with a credit rating of AAA/Stable by CRISIL and AAA/Stable by ICRA.

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Earn 6.5%* Interest on FD

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  • Safe & Secure FD, Insured by RBI
  • No Savings A/c Required
  • FD Starts from Rs 2000
  • Card Limit = FD Amount

*Rates are subject to change as per the bank's discretion.

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Updated: 05-06-2023 05:49:13 AM

Bajaj Finance FD Interest Rates Highlights

Highest slab rate 8.35% p.a. (for 44 months)
For 1 year 7.40% p.a.
For 2 years 7.55% p.a.
For 3 years 8.05% p.a.
For 4 years 8.05% p.a.
For 5 years 8.05% p.a.

Interest rates are updated as of 5 June 2023

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  • Card limit is 100% of FD Amount

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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 2023

Bajaj Finance Fixed Deposit Interest Rates on Domestic Deposits from Rs 15,000 to Rs 5 crore w.e.f. 10 May 2023

Tenor (in months) Interest Rate (% p.a.)
Regular Citizens Senior Citizens
12 – 14 7.40 7.65
15 7.45 7.70
16 – 17 7.50 7.75
18 7.40 7.65
19 – 21 7.50 7.75
22 7.50 7.75
23 7.50 7.75
24 7.55 7.80
25 – 29 7.35 7.60
30 7.45 7.70
31 – 32 7.35 7.60
33 7.75 8.00
34 – 35 7.35 7.60
36 – 43 8.05 8.30
44 8.35 8.60
45– 60 8.05 8.30

Note: Bajaj Finance offers special FD interest rates on the tenure of 15, 18, 22, 30, 33, 39 and 44 months

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Bajaj Finance FD Interest Rates on Domestic Deposits from Rs 15,000 to Rs 5 crore w.e.f. 4 March 2023 (Non-cumulative)

Tenor (in months) Interest Rates (% p.a.)
Monthly Quarterly Half Yearly Annual
12 – 14 7.16 7.20 7.27 7.40
15 7.21 7.25 7.32 7.45
16 – 17 7.25 7.30 7.36 7.50
18 7.16 7.20 7.27 7.40
19 – 21 7.25 7.30 7.36 7.50
22 7.25 7.30 7.36 7.50
23 7.25 7.30 7.36 7.50
24 7.30 7.35 7.41 7.55
25 – 29 7.11 7.16 7.22 7.35
30 7.21 7.25 7.32 7.45
31 – 32 7.11 7.16 7.22 7.35
33 7.49 7.53 7.61 7.75
34 – 35 7.11 7.16 7.22 7.35
36 – 43 7.77 7.82 7.89 8.05
44 8.05 8.10 8.18 8.35
45 – 60 7.77 7.82 7.89 8.05
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NRI Fixed Deposit Interest Rates of deposits from Rs 15,000 to Rs 5 crores w.e.f. 10 May 2023

Tenor (in months) Interest Rate (% p.a.)
12 – 14 7.40
15 7.45
>15-17 7.50
18 7.40
19-21 7.50
22 7.50
23 7.50
24 7.55
25-29 7.35
30 7.45
31-32 7.35
33 7.75
34-35 7.35
36 8.05
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Types of Bajaj Finance FD Schemes

Bajaj Finance Fixed Deposit Regular Scheme

  • Minimum deposit amount: Rs 25,000
  • 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

Bajaj Finance NRI Fixed Deposits

  • Eligibility: Non-resident Indians (NRIs), overseas citizens of India and person of Indian origin (PIO)
  • Depositors can invest through an NRO bank account
  • Tenor: 1 year to 3 years

Premature Withdrawal of Fixed Deposits

  • Deposits can be prematurely withdrawn after a minimum lock-in period of 3 months
  • No interest will be paid if depositors 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
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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 is 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 wish 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.

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