Bajaj Finance Fixed Deposit Interest Rates 2026 - Latest Bajaj FD Rates

A Bajaj Finance FD lets you invest in a Bajaj product for a fixed period and earn guaranteed returns. Unlike market-linked investments, the interest rate is fixed at booking. Bajaj finance fixed deposits are priced mainly by:

• Tenure: Longer tenures within 24–60 months usually carry the highest slab.
• Customer category: Senior citizens receive a higher interest rate benefit.
• Market conditions: FD pricing reflects broader interest-rate trends, RBI policy changes, and NBFC liquidity needs.

Bajaj Finance FDs are designed for investors who want stable returns higher than a savings account:

• High safety ratings: Bajaj Finance FD carries AAA/Stable ratings from leading agencies like CRISIL and ICRA.
• Competitive fixed deposit rate: up to 6.95% p.a. (general) and 7.30% p.a. (senior).
• Flexible payout options: cumulative at maturity or periodic interest payout.
• Wide choice of tenures: 12–60 months.
• Low entry amount: you can start with just ₹15,000.
• Loan against FD: up to 75% of FD value after 3 months.
• Premature withdrawal: allowed after lock-in with applicable rules.
• Online opening: straightforward digital booking via netbanking/UPI.

These benefits make Bajaj FDs a strong risk-free option for short-to-medium term wealth building.

Bajaj Finance mainly offers standard cumulative and non-cumulative fixed deposits, but also provides multiple variants based on payout choice.

1) Cumulative FD (Best for Growth)

• Interest compounds
• Full payout (principal + interest) at maturity
• Best suited for people investing for a future goal.

2) Non-Cumulative FD (Best for Regular Income)

You can choose interest payout frequency:

• Monthly
• Quarterly
• Half-yearly
• Annual

This is ideal for seniors seeking a steady income plan.

• Minimum deposit amount: ₹15,000 (for both payout types).
• Minimum tenure: 12 months
• Lock-in period: Premature withdrawal is allowed only after 3 months.
  • No interest if withdrawn after 3 months but before 6 months
  • If withdrawn after 6 months, interest is paid after a penal reduction (up to ~2%) on the applicable slab for the period held.

These terms help you plan liquidity realistically before booking.

For Indian Residents

To open a Bajaj Finance FD, you generally need standard KYC:

• PAN card (mandatory)
• Aadhaar / Passport / Voter ID / Driving License (identity proof)
• Address proof if Aadhaar doesn't cover your current address
• Basic personal and bank details for payout.

For NRIs

Bajaj Finance also allows NRIs to invest in FDs (with certain conditions):

• Valid passport and visa/residence permit
• Overseas/Indian address proof
• Proof of NRI status
• PAN (recommended for tax compliance)
• NRE/NRO bank account details for funding/payout.

Exact KYC can vary by onboarding route, but these are the standard documents expected for NRI deposits.

Like bank FDs, Bajaj Finance FD interest is taxed as:

• "Income from Other Sources"
• Taxable as per your income tax slab.

TDS rules

TDS may be deducted if your interest crosses the applicable threshold. If you're eligible for no-deduction, submit:

• Form 15G (regular investors)
• Form 15H (senior citizens)

Even if TDS is not deducted, interest must be declared in your ITR.

If you need cash without breaking your FD:

• Loan available after 3 months
• Up to 75% of FD value
• FD continues earning interest while you borrow.

This makes Bajaj Finance FDs more flexible for emergency needs.

You can open a Bajaj Finance FD in minutes:

1. Online
   • Visit Bajaj Finance FD page → enter details → complete KYC → pay via UPI/netbanking → FD booked.
2. Through Bajaj Finance App / Partner Platforms
   • Choose deposit amount, tenure, payout → verify → invest.
3. Offline (optional)
   • Visit the branch/partner desk with KYC and cheque/transfer.