Invest in AAA-rated Bajaj Finance to enjoy FD rates of up to 7.75% pa

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Pune, Maharashtra, India (NewsView)

Investors may be eager to trade risk for fixed returns due to world events that have increased market uncertainty and volatility. For example, Bajaj Finance fixed deposit eliminates the “fear factor” because its rewards are not tied to market performance. It offers FD rates up to 7.75% per annum. The FD offers several benefits, such as adjustable investment terms, CRISIL AAA/STABLE and (ICRA)AAA(Stable) rating, senior discounts, monthly investment options like SDP, and more.

Keep reading to learn more about the benefits of buying a Bajaj Finance FD.

Investment security

The Bajaj Finance FD offers investors a safe haven from volatile market conditions for their money. Regardless of the state of the market, investors benefit from a constant FD rate. Thus, investors can lock in at a favorable rate using the FD Calculator and accurately predict their future goals. The value at maturity will not change, so there is no reason to worry.

In addition, investors benefit from a high level of security regarding the prompt payment of principal deposits and interest payments. The highest rating offered to Bajaj Finance FD shows that the investment is safe and investors will receive their returns on time and as promised. FD returns are timely and as promised.

Higher interest rate up to 7.75% per annum

When investing for a term of 44 months, regular clients under the age of 60 can benefit from an FD rate of up to 7.50% per annum. Seniors, on the other hand, get an additional FD rate bonus of 0.25% each year, earning the interest. rate up to a maximum of 7.75% per annum

With a modest initial commitment of Rs. 15,000 or more, investors can easily project their returns using the FD calculator. Here are some brief examples of interest earned for different terms by clients under 60 and seniors.

Duration in months

Under 60

the elderly

Interest rate



Maturity amount

Interest rate

Interest earned

Maturity amount


6.20% per year

Rs. 18,600

Rs. 3,18,600

6.45% per year

Rs. 19,350

Rs. 3,19,350


6.95% per year

Rs. 43,149


7.20% per year




7.15% per year

Rs. 62,744

Rs. 3,62,744

7.40% per year

Rs. 65,076



7.50% per year

Rs. 91,908


7.75% per year

Rs. 94,443

Rs. 3,94,443


7.40% per year



7.65% per year



Easily plan your life goals

Investors can choose from a customizable term of 12 to 60 months with Bajaj Finance. Those with short-term goals can invest their money in a secure setting and reap increased returns at the end of the term. To receive the best FD rate, investments with maturities of 36 months or longer are recommended for investors with medium to long term goals.

Investors can also use the ladder strategy with flexible investment terms to provide consistent cash flow.

Let’s take a look at the revised FD rates that Bajaj Finance offers to clients under 60.

Duration in months


Not combinable








(% pa)

(% pa)

(% pa)

(% pa)

(% pa)

12 – 23






24 – 35






36 – 60

7:40 a.m.




7:40 a.m.

With the special duration, one can choose to open FD for 15, 18, 22, 30 or 44 months and get higher returns.

The special duration of cumulative deposits is as follows:



Under 60

The elderly

15 months

6.40% per year

6.65% per year

18 months

6.50% per year

6.75% per year

22 months

6.65% per year

6.90% per year

30 months

7.05% per year

7.30% per year

33 months

7.15% per year

7.40% per year

44 months

7.50% per year

7.75% per year

Take advantage of a range of liquidity alternatives
When investing in a FD, the wisest thing to do is to withdraw the actual principal and interest at maturity. It guarantees the best possible profits. However, investors may need cash regularly. Seniors, for example, would appreciate quarterly income for daily or medical needs.

By offering the possibility of frequent installments every month, quarter, semester or year, Bajaj Finance encourages this. This is because investors can create a steady stream of income through their interest income.

Likewise, after the initial 3-month lock-up period, investors still have the option of withdrawing money early if they run out of cash. However, investors can also take out a loan against their FD to protect their investment and avoid losing interest.

With a systematic deposit plan, you can earn while you save
With Bajaj Finance Systematic Deposit Plan (SDP), you can reserve a new FD with each contribution. Here, investors can start with a monthly investment of Rs. 5,000. Investors can build up a large corpus by making one deposit at a time over time.

You can select
a: Single Maturity Plan: In this case, the duration of each FD should be changed so that all FDs mature on a single pre-determined date.

b. Plan a monthly maturity: after a defined and consistent duration, all FDs will mature. Accordingly, interest will begin to accrue after the maturity of the first FD.

The Bajaj Finance FD is an excellent choice for investors who wish to add stability to their portfolios due to these exceptional advantages. All product information is available on the My Account customer site. Plus, clients can invest online or at one of over 1,000 Bajaj Finance sites nationwide to start earning immediately at a competitive FD rate.