Fixed Deposit from Bajaj Finance Ltd.

Best Fixed Deposit Interest Rates with the Highest CRISIL Rating

Interest Rates Up to 7.30% per year

Senior Citizen Additional 0.35% per year

Lock in Period 3 Months

Tenure 12 Months - 60 Months

Minimum Deposit ₹15,000

Maximum Deposit ₹3 Cr

Before we explain you the reasons why opening a fixed deposit account with Bajaj Finance is the best choice, let us compare interest rates from other banks.

How to Get Highest Interest Rates for Fixed Deposit?

Let us see which bank has the highest interest rate for fixed deposit. From the table below, you can compare the latest FD interest rates from banks, NBFCs, and corporate deposit schemes like SBI fixed deposit interest rates, HDFC fixed deposit interest rates and post office fixed deposit interest rate:

Bank/NBFC Name	Interest Rate (Up to)	Interest Rate for Senior Citizens	Minimum Investment
Bajaj Finance (NBFC)	6.95%	7.30%	INR 15,000
State Bank of India	6.60%	7.10%	INR 1,000
ICICI Bank	6.60%	7.10%	INR 10,000
Axis Bank	6.75%	7.25%	INR 10,000
Union Bank of India	6.60%	7.00%	INR 1,000
PNB (Punjab National Bank)	6.65%	7.15%	INR 1,000
BOB (Bank of Baroda)	6.50%	7.00%	INR 1,000
IDBI Bank	6.60%	7.10%	INR 10,000
HDFC Bank	6.50%	7.00%	INR 5,000
Kotak Mahindra Bank	6.60%	7.10%	INR 10,000

* Please note that these interest rates are as per June 2025, and are subject to change according to various market conditions. Please check the updated rates before investing.

Benefits of FD with Bajaj Finance Through InvestKraft

From the table above, we hope we answered “which bank is best for fixed deposit”, as it is clear that highest fixed deposit interest rates as given by Bajaj Finance Ltd. Let us see more reasons for choosing Bajaj Finance for FD:

Higher Returns

Get up to 7.30% per year returns, higher than banks

Safe and Secure

Bajaj Finance Ltd. has the highest credit ratings of CRISIL AAA / Stable and ICRA AAA / Stable, which means strong financial stability and low credit risk.

Flexible Payout Options

Get returns at regular intervals or lumpsum at maturity.

Fixed Deposit Interest Rates from Bajaj Finance Ltd

Let us see the highest fixed deposit interest rates from Baja Finance Ltd, which you can get once you open your fixed deposit account through InvestKraft:

For Depositors Below 60 Years (Non‑Senior Citizens)

Tenure (Months)	Cumulative (At Maturity)	Non‑Cumulative Payout Options
Tenure (Months)	Cumulative (At Maturity)	Monthly	Quarterly	Half‑Yearly	Annually
12 - 14 Months	6.60%	6.41%	6.44%	6.49%	6.60%
15 - 23 Months	6.65%	6.55%	6.59%	6.64%	6.65%
24 - 60 Months	6.95%	6.74%	6.78%	6.83%	6.95%

For Depositors Above 60 Years (Senior Citizens)

Tenure (Months)	Cumulative (At Maturity)	Non‑Cumulative Payout Options
Tenure (Months)	Cumulative (At Maturity)	Monthly	Quarterly	Half‑Yearly	Annually
12 - 14 Months	6.95%	6.74%	6.78%	6.83%	6.95%
15 - 23 Months	7.10%	6.88%	6.92%	6.98%	7.10%
24 - 60 Months	7.30%	7.07%	7.11%	8.17%	7.30%

More Details About Fixed Deposit from Bajaj Finance Ltd

Looking for the best fixed deposit interest rates in India? Bajaj Finance offers some of the highest fixed deposit interest rates. Let us see some more features of Bajaj Finserv fixed deposit options:

Highest fixed deposit interest rates up to 7.30% p.a. for senior citizens.
Whether you want a monthly income or a lump-sum payout, Bajaj’s FD plans give you flexible options with attractive interest on fixed deposits
Unmatched safety (CRISIL AAA and ICRA AAA ratings).

Wondering which bank is best for a fixed deposit? With better-than-bank returns, easy online booking, and no-risk credibility, Bajaj Finance is a smart choice for growing your savings securely.

Now with InvestKraft, opening your fixed deposit account at Bajaj Finance Ltd. is just a click away. Do not wait, and invest your savings in a fixed deposit for better returns and assured monthly income.

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Frequently Asked Questions

Individuals (can invest online), Companies, HUFs, Body of Individuals, Association of Persons, Societies, Trusts, Sole Proprietorships, Partnerships, Societies (both residential as well as credit co-operative), Clubs, Schools, Universities, etc. can invest in a Bajaj Finance Limited Fixed Deposit.

We offer cumulative & non-cumulative interest payment options.

In a 'Non-cumulative' Fixed Deposit, the interest is payable on a monthly, quarterly, half-yearly and yearly basis. This will be convenient if you require periodic interest payment.
In a 'Cumulative' Fixed Deposit, the interest is payable at the time of maturity along with the principal and is compounded annually. It is suitable for an individual who does not require periodic interest payment. The interest will be compounded annually, and the final payout will be subject to deduction of tax, wherever applicable.

Yes, senior citizens (i.e. persons more than 60 years of age, subject to provision of proof of age): Additional interest rate benefit of upto 0.25% p.a. will be provided on deposit amount up to Rs. 5 (five) crore.

No. Since you have locked in your money with us at a specific rate, you will continue to receive that rate till maturity. If you wish to avail the new rate, we suggest you invest in a new deposit with us.

As a part of your investment with Bajaj Finance Limited, you enjoy the following perks & benefits: - The minimum deposit limit is ₹ 15,000 only - The safest investment for your money as Bajaj Finance Limited is rated FAAA/Stable by CRISIL and MAAA/Stable by ICRA, indicating highest degree of safety - Attractive rates of interest - Convenience to choose any tenure from 12 to 60 months to suit your needs - Branch presence over 1500+ locations in India - Hassle-free payment options through electronic or physical modes - Special interest rates for senior citizens

NetBanking, UPI, Cheque or RTGS/NEFT

To view Fixed Deposit details, please visit My Profile > DashBoard > Fixed Deposit tile. You will find complete details of your Fixed Deposit.

There are no charges levied to open your Fixed Deposit account.

In Non-Cumulative Scheme- Interest will be paid to a customer based on interest-payment frequency Monthly option - Last date of each month. The first interest will be paid on the last day of the subsequent month in which the FD is procured. E.g. If the customer has initiated the FD on 25th March and has requested for a monthly interest, the same will be paid on the- -

Subsequent month end that is 30th April, 31st May and so on.
Quarterly Option - June 30, September 30, December 31 and March 31
Half Yearly Option - September 30 and March 31
Annual Option - March 31

Cumulative scheme - The interest will be compounded annually, and the maturity amount will be subject to deduction of tax, wherever applicable. Interest will be paid on maturity"

In such case, please share your updated KYC documents and NRO bank account details. The deposit can remain with us till maturity. On the date of maturity, the maturity proceeds will be credited to your NRO account only. You will require to place a fresh FD request instead of renewal through FD Application Form for NRIs.

The maturity amount gets transferred, on the maturity date, to the bank account linked with your Fixed Deposit. This transfer takes place only through National Electronic Fund Transfer (NEFT) or Real Time Gross Settlement (RTGS) modes. However, if the payment with respect to your payout bounces, you shall be informed through a phone call & email and requested to your change Bank Account Details.

Individuals (including Beneficial Owner / Authorized Signatory/ Power of Attorney Holder) need to provide the following -

One recent Photograph
PAN or Form 60, if PAN is not allotted
Certified Copy of one of the Officially Valid Documents (OVDs) listed below:
- Valid Passport
- Voter’s ID Card issued by Election Commission of India Valid Driving License
- Proof of possession of Aadhaar Number (i.e. Aadhaar letter downloaded from UIDAI website, Aadhaar card) *
- Job Card issued by NREGA duly signed by an officer of the State Government
- Letter issued by the National Population Register containing details of Name, Address of the customer

* First 8 digits of the Aadhaar No. (on copy of Aadhaar Letter/Aadhaar Card obtained), must be redacted or blackened and it should not be legible. In case OVD does not have Current Address of the client, Deemed OVDs are as under -

i. Utility bill (Electricity, Telephone, Post-paid mobile phone, Piped Gas, Water Bill) which not more than two months old
ii. Property or Municipal tax receipt
iii. Pension or Family Pension Payment Orders
iv. Letter of Allotment of Accommodation by eligible employer(s)