Bajaj Finance FD Interest Rate 2026: Latest Rates, Returns & Comparison with Other Top FDs

Because of the safety and regular returns, an FD is a well-liked Indian investment option. Among the many fixed deposits offered in India, Bajaj Finance offers competitive rates across multiple tenures. The Bajaj Finance FD interest rates vary by tenure and investor category.

Interest rates continue to be a driving factor for investors, both seasoned and new. Naturally, staying updated with the latest Bajaj Finance fixed deposit rates is essential to make an informed financial decision.

Read on as we explore Bajaj Finance FD interest rates across different tenures and investor categories. We will also talk about the eligibility criteria, calculating FD returns, and getting started with investment.

Bajaj Finance Fixed Deposit Interest Rates 2026

Here’s a snapshot of the latest Bajaj Finance FD interest rates for domestic investors (valid recently as per company disclosures and financial marketplaces).

Bajaj Finance FD Rates

Figures below reflect cumulative and non-cumulative annualised Bajaj Finance fixed deposit rates for deposits starting at ₹15,000, effective from 11 June 2025.

Disclaimer: Bajaj Finance FD interest rates are revised by the institution. Always verify updated figures before booking an FD.

Bajaj Finance FD Rates for Senior Citizens 2026

Most banks and NBFCs offer a higher interest on fixed deposits for senior citizens (aged 60+), compared to rates offered to regular investors. The same applies to Bajaj Finance FD offerings.

The table below shows Bajaj Finance senior citizen FD rates, effective from 11 June 2025.

When the regular Bajaj fixed deposit rates are compared with senior citizen FD rates, you can notice a substantial increase. Senior citizen interest advantages are offered by banks and NBFCs as ways to provide greater returns on investment and to provide safety and stability.

Disclaimer: The Bajaj Finance fixed deposit rates for senior citizens can change at the issuer’s discretion. Check the recently updated rates before making investment decisions.

Tenure-wise FD Interest Rates 2026

Varying Bajaj Finance FD interest rates are offered for tenures ranging from 1 year to 5 years. The tenure range is suitable for short and mid-term investment planning.

Here are the tenure-wise Bajaj Finance FD rates:

Bajaj Finance FD Calculator – How Returns Are Calculated

Tools like the Bajaj Finance FD calculator help you estimate your maturity amount quickly and accurately.

The Bajaj FD calculator asks for:

• Invested Principal
• Applicable Rate of Interest
• Selected Period of Deposit
• The Frequency of Interest Payments (for example: periodic payment or lump sum)

When you enter amounts into this Bajaj Finance fixed deposit calculator, it will show both the total maturity amount and total interest earned. This will allow you to compare returns from different tenures and multiple options and find a suitable investment for your financial profile.

Eligibility & Minimum Investment to Open Bajaj Finserv FD

Generally, you can open a Bajaj Finance fixed deposit with:

• Minimum deposit: ₹15,000
• Resident individuals and NRIs
• Age criteria applied for senior citizens

Note: NRIs may have specific documentation and tax implications. Always review terms before investing.

How to Open Bajaj Finance FD Online

Typically, to begin an FD with Bajaj Finance:

• Decide on the tenure and the FD amount you want to deposit.
• Check out the Bajaj Finserv FD rates.
• Calculate the maturity and interest accumulation to get an idea of what to expect.
• Read all terms and conditions.
• Initiate the Bajaj Finance online FD account opening and provide the required documents.
• Make the payment and obtain the FD documents.

Is Bajaj Finance FD Safe? - Credibility & Ratings

Rating agencies such as CRISIL and ICRA have given Bajaj Finance Ltd excellent credit ratings (AAA/Stable), which shows a moderate to low risk of default.

Unlike bank FDs, DICGC insurance may not apply to NBFC FDs. While the risk is low, Bajaj Finance FDs are not as low-risk as bank FDs.

Things to Consider Before Investing in Bajaj Finserv

As you explore and compare Bajaj Finance Ltd FD rates, remember the following:

• The RBI’s changes in monetary policy will determine whether the FD rates of Bajaj Finance rise or drop.
• Early withdrawals could incur penalties for their liquidity.
• FD interest is taxable. Taxation is applicable according to individual tax brackets.

Conclusion

Bajaj Finance FD interest rates are set differently for different tenures. Updated information on interest rates is crucial to investment decisions, as it influences the total returns and helps investors pick the right FD with a suitable tenure. Bajaj Finance fixed deposit rates can change, and it is always recommended to check the recent updates before starting an investment.

Learn more about your investment opinions and check the latest Bajaj Finance FD rates today with My Mudra.

Also Read:
- Fixed Deposit - Check Latest FD Interest Rates 2026
- How to Apply for a Loan Against FD Online