When it comes to safe and stable investment options in India, fixed deposits (FDs) remain a top choice. In 2025, Bajaj Finance Fixed Deposit has emerged as one of the most sought-after investment instruments, thanks to its high interest rates, flexible tenures, and trusted brand value.
In this article, we’ll explore everything you need to know about Bajaj Finance FD—including current FD interest rates, benefits, safety, and why it offers one of the best fixed deposit interest rates in India.
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Why Choose Fixed Deposits in 2025?
With market volatility and economic uncertainty, investors increasingly turn to fixed deposit investments for guaranteed returns. Whether it’s a bank fixed deposit or a corporate FD, the core benefit remains the same—capital protection with assured returns.
About Bajaj Finance Fixed Deposit
Bajaj Finance Ltd, a subsidiary of Bajaj Finserv, offers corporate FDs that have consistently provided higher interest rates than many traditional banks. Bajaj Finance FDs are considered safe and reliable with strong credit ratings (CRISIL AAA/STABLE and ICRA AAA/STABLE).
Bajaj Finance FD Interest Rate 2025
| Customer Type | Interest Rate (p.a.) | Tenure |
|---|---|---|
| Regular Citizen | 7.40% – 8.25% | 12–60 months |
| Senior Citizen | 7.65% – 8.50% | 12–60 months |
💡 Note: These rates are subject to change. Always verify the latest Bajaj Finance FD rates before investing.
If you're looking for the highest interest rate on fixed deposit, Bajaj Finance FD offers competitive returns that beat most bank fixed deposit interest rates.
Key Benefits of Bajaj Finance Fixed Deposits
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High Interest Fixed Deposit Returns: Up to 8.50% p.a. for senior citizens
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Flexible Tenure: Choose from 12 to 60 months
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Online FD Booking: Instant booking through the Bajaj Finserv website or app
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Systematic Deposit Plan (SDP): Invest monthly, earn like an FD
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Premature Withdrawal Option: Available under certain terms
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Loan Against FD: Up to 75% of the deposit value
Comparison: Bajaj Finance FD vs Bank Fixed Deposit Interest Rates
| Institution | FD Interest Rate (Regular) | FD Interest Rate (Senior) |
|---|---|---|
| Bajaj Finance | Up to 8.25% | Up to 8.50% |
| SBI Fixed Deposit | Up to 7.00% | Up to 7.50% |
| HDFC Bank Fixed Deposit | Up to 7.10% | Up to 7.60% |
| ICICI Bank FD | Up to 7.10% | Up to 7.60% |
As the table shows, Bajaj Finance fixed deposit rates offer better returns than most bank FDs, especially for longer tenures.
Safety & Credit Rating
One of the major concerns investors have is safety. Bajaj Finance FD holds AAA ratings from CRISIL and ICRA, which ensures:
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Timely interest payout
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Capital protection
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Reliable financial management
This makes it ideal for risk-averse investors seeking stable returns.
How to Calculate Returns on Bajaj Finance FD
You can use the Bajaj Finance FD calculator available online to estimate your returns based on:
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Deposit amount
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Interest rate
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Investment tenure
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Payout frequency (monthly, quarterly, cumulative)
Example:
If you invest ₹5,00,000 for 3 years at 8.20% p.a. (cumulative), your maturity amount will be approximately ₹6,60,000.
Eligibility and Documents Required
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Eligibility: Resident Individuals, NRIs, Companies, Trusts, HUFs, Sole Proprietorships
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Documents Needed:
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PAN Card
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Aadhaar Card
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Bank details
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Photograph (for offline investment)
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How to Invest in Bajaj Finance FD Online?
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Visit Bajaj Finserv FD page.
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Fill in your details.
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Choose deposit amount, tenure, and interest payout option.
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Complete KYC and fund the FD.
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Download the FD certificate instantly.
Who Should Invest in Bajaj Finance Fixed Deposit?
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Retired individuals looking for stable monthly income
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Salaried professionals seeking low-risk investment
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Investors building a diversified portfolio
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NRIs wanting safe fixed-income options
Conclusion: Is Bajaj Finance FD Worth It in 2025?
Absolutely. With higher interest rates, AAA safety ratings, and flexible options, Bajaj Finance Fixed Deposit is one of the best fixed deposit options available today. It’s an ideal choice for conservative investors who prioritize safety and steady income.
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