Bajaj Finance FD Interest Rates 2026  

Bajaj Finserv FD Latest Updates

Bajaj Finance is the largest non-banking financial company (NBFC) in India that has received deposits and has lowered its fixed deposit rates for the third time in 2025. The company has reduced rates by 60 basis points, senior citizen additional benefits by 50 to 35 basis points, and special tenures of 18 months and 33 months are also discontinued.

What is a Bajaj Finance FD? 

Bajaj Finance FD is a financial product offered by Bajaj Finserv, a deposit-taking non-banking financial company (NBFC). This investment product allows you to grow your money by depositing a lump sum amount, ranging from ₹15,000 to ₹3 crore, for a fixed tenure. The FD provides returns of up to 6.95% p.a. The longer your money stays invested, the more it benefits from the power of compounding, thereby expanding your principal amount. Regularly monitoring FD rates is essential to ensure you're locking in the highest possible yield, as even small fluctuations can significantly impact your final maturity value.

Bajaj Finance FD Interest Rates: Highlights 

Latest Bajaj Finance FD Interest Rates 2026

Bajaj Finance Bank has revised its FD rates in June 2025 for general citizens (Non-senior) and senior citizens for amounts starting from ₹15,000 to ₹ 3 crore.

Interest Rates Deposit Below 3 Crores)

*Bajaj Finance FD interest rates w.e.f. June 11, 2025. 

Types of Bajaj Finance FD Schemes

Here are the top FD schemes offered by Bajaj Finance Bank fixed deposit schemes with their speciality:

1. Bajaj Finance FD for Senior Citizens

   This scheme is suitable for people aged 60 and above. The Income is assured and does not depend on market conditions, with high-yield investment interest rates up to 7.30% p.a.

   • Exclusive Benefits - Additional 0.05% 
   • Capital Safety: CRISIL (FAAA) and ICRA (MAAA) high credit ratings 
   • Flexible Interest Payout: Monthly, quarterly, or at maturity
   • Tax Saving: Option to invest under Bajaj 5-year tax-saving FD under Section 80C

2. Bajaj Finance FD For Individuals Non-Senior Citizen

     This scheme is primarily for people under 60 years of age, i.e., general citizens. Under this, you can get returns of up to 6.95% p.a., which is higher than savings rates.

   • Minimum Investment Amount: Rs 15,000
   • Tenure: 12 to 60 months
   • Safe and Secure: A fixed income plan that guarantees capital
   • Payout Flexibility: Choose between cumulative or periodic payouts of interest

3. Bajaj Finance FD For Businesses, HUFs, Trusts, etc  

   This scheme is suitable for companies, partnership firms, Hindu undivided families, associations, and trusts.

   • Minimum Investment Amount: Rs 15,000
   • Tenure: 12 to 60 months
   • Fixed Returns: Returns are fixed
   • Payout Options: Interest on Maturity 
   • Proper Fund Management: Manages excess funds easily 

Key Features of Bajaj Finance FD

The best features of Bajaj Finance FDs are listed below, along with why individuals should invest in Bajaj Finance Fixed Deposits.  

• Bajaj Finance FD Minimum Deposit - Most people can invest in FDs because they can start with as little as 15,000.
• Increased interest rates - It offers higher interest rates than regular savings accounts, making it a better alternative for keeping idle money.
• Guaranteed Returns - Fixed returns are earned upon booking, regardless of market movements, providing predictable income.
• Safety of Principal Amount - Bajaj Finance FDs are rated FAAA/Stable by CRISIL and MAAA by ICRA, offering high safety and low credit risk.
• Flexible Payouts - Decide on the frequency of interest payment as per your cash flow requirements: monthly, quarterly, semi-annually, annually, or cumulatively.
• Additional Pensioner Interest - The senior citizens who are 60+ earn 0.35% more p.a. than standard interest rates, which increases their yields.

How to Open a Bajaj Finance FD?

If you want to take advantage of the benefits of Bajaj Finance FD, you can apply for it with a few simple steps. Follow the easy steps below, online and offline.

Online FD Account Opening

You can book a Bajaj Finance FD seamlessly from the comfort of your home and earn competitive interest rates. Here are the steps you need to follow.

• Go to the Official Website - Go to the official website for the online application form.
• Check Phone Number -Fill in your 10-digit mobile number and confirm it with the OTP
• Investment Information - Enter the amount, the term, the frequency of payout, PAN, and DOB.
• Complete KYC - Existing customers: Verify or modify your information. New customers: Aadhaar-based KYC.
• Consent and Provide Bank Information - Agree with Terms and Conditions
• Make Payment -Make payment through NetBanking, UPI, NEFT, or RTGS.

Offline FD Opening

If you prefer a traditional, in-person application, you can visit a Bajaj Finance branch or contact their representative.

• Visit a Branch/Connect with Representative: Go to your nearest Bajaj Finance branch or reach out to a Bajaj Finance representative.
• Request FD Application Form: Ask for the Fixed Deposit application form.
• Fill Out the Form: Accurately fill in all required personal details, investment amount, preferred tenure, and interest payout frequency.
• Submit Documents: Provide your KYC documents, such as PAN Card and officially valid documents like Aadhaar Card, Passport, Driving License, or Voter ID.
• Deposit Funds: Make your deposit via cheque or RTGS/NEFT.
• Get FD Receipt: Bajaj Finance will issue a Fixed Deposit Receipt (FDR) as confirmation of your deposit.

Bajaj Finance FD Eligibility

The following criteria must be fulfilled to open a Bajaj Finance FD:

• The customer must be a resident of India
• Individual
• Senior Citizen
• NRIs
• Person of Indian Origin (PIO)
• Overseas Citizens of India (OCI)

Conclusion

Bajaj Finance FD offers a secure investment option with flexible tenures and guaranteed returns. With competitive interest rates, especially for senior citizens at up to 7.30% p.a., it is an ideal choice for those looking to grow their wealth safely and conveniently. You can choose between cumulative options or non-cumulative options (regular interest payouts: monthly, quarterly, half-yearly, or annually) to suit your income needs, and if you face an emergency, you can avail of a Bajaj Finance loan against FD.