For Indians seeking predictable returns with low risk, the combination of FD interest rates and the stability of a fixed deposit is hard to ignore. In the current rate cycle, Bajaj Finance FD offers a compelling balance of safety, liquidity, and yield. The product blends strong credit ratings with transparent terms and digital convenience. If you value assured earnings, portfolio stability, and ease of management, Bajaj Finance FD deserves a close look.
Understanding FD interest rates in the current Indian context
Over the last two years, policy rates have moved up and stabilised, supporting attractive fixed deposit interest rate. Investors who value certainty prefer locking into fixed deposits, especially for medium-term durations where returns are predictable.
For retirees and income-focused investors, non-cumulative monthly or quarterly payouts support regular cash flow. For younger earners with surplus funds, cumulative FDs enable compounding over time.
A well-chosen fixed deposit also supports diversification. Pairing FDs with debt funds and short-term instruments helps balance liquidity, tax exposure, and return expectations.
Bajaj Finance FD rates for 2025
The latest FD interest rates for Bajaj Finance FD are competitive across tenures and payout choices. Investors can choose cumulative (at maturity) for compounding or non-cumulative for regular income.
FD rates for customers above the age of 60 (Senior Citizens)
| Tenure in months |
Cumulative | Non Cumulative | |||
| 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% |
FD rates for customers below the age of 60 (Non-Senior Citizens)
| Tenure in months |
Cumulative | Non Cumulative | |||
| 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% |
Illustrations showing how FD interest rates translate into outcomes
| Scenario | Investment | Tenure | FD option | Interest rate (p.a.) | Outcome |
| Growth example (Non-senior) | Rs. 5,00,000 | 36 months | Cumulative | 6.95% | Approx. maturity value: Rs. 6,11,585 |
| Growth example (Senior) | Rs. 10,00,000 | 36 months | Cumulative | 7.30% | Approx. maturity value: Rs. 12,35,375 |
| Monthly income (Retirees) | Rs. 10,00,000 | 24–60 months | Monthly payout | Senior: 7.07% p.a. Non-senior: 6.74% p.a. |
Senior: ~Rs. 5,892/month Non-senior: ~Rs. 5,617/month |
These examples highlight how compounding and payout choices influence outcomes without market volatility.
How to choose the right tenure and payout mix
- Map goals to tenures:
Short-term goals (1–2 years) suit 12–23 months. Medium-term goals align well with 24–36 months. - Align payout to cash flow:
Choose monthly or quarterly payouts for income; cumulative if interim cash is not required. - Ladder deposits:
Stagger FDs across tenures to reduce reinvestment risk and improve liquidity. - Reinvest smartly:
On maturity, compare prevailing FD interest rates before renewing.
Comparing fixed deposits with other low-risk options
- Versus savings accounts: FDs generally offer higher interest rates p.a. with defined lock-in periods.
- Versus recurring deposits: FDs suit lump-sum investments and offer better rates for longer tenures.
- Versus debt mutual funds: Debt funds carry NAV risk and different tax treatment; FDs prioritise certainty.
Practical ways to use Bajaj Finance FD in your portfolio
- Emergency corpus: Short-tenure (12–14 months) FDs for stability and accessibility.
- Monthly income ladder: Multiple non-cumulative FDs for retirees to maintain flexibility.
- Goal-based investing: Cumulative 24–60 month FDs for education, vehicles, or home upgrades.
- Diversification: Combine Bajaj Finance FD with bank FDs or debt funds to spread issuer risk.
Safety, ratings, and important safeguards
- Credit ratings: Bajaj Finance FD is rated AAA/Stable by CRISIL and ICRA, indicating very strong credit quality (verify current ratings before investing).
- Issuer diversification: Spread large investments across issuers and maturities.
- Premature withdrawal: Early withdrawals may attract lower interest; check prevailing terms.
- Deposit insurance: Corporate FDs are not covered by DICGC insurance; issuer strength matters.
Tax implications on FD interest
- Interest earned on fixed deposits is taxable as per the investor’s income tax slab.
- Senior citizens can claim a deduction of up to Rs. 50,000 under Section 80TTB on interest income (applicable only under the old tax regime).
- TDS at 10% applies if interest exceeds Rs. 50,000 for non-senior citizens and Rs. 1,00,000 for senior citizens in a financial year (FY 2025–26).
Bajaj Finance provides interest certificates to help with accurate tax filing.
Conclusion
If you seek assured returns, transparent terms, and digital convenience, Bajaj Finance FD is a strong addition to a low-risk portfolio. Its FD interest rates p.a. remain competitive across key tenures, especially for medium-term planning. By selecting the right combination of tenure and payout frequency, investors can generate steady income or benefit from compounding without daily market volatility. For Indian households focused on capital protection and disciplined growth, Bajaj Finance FD remains a practical and reliable investment choice.
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