Bajaj Finance offers Fixed Deposit interest rates of up to 7.40% p.a. for general investors and up to 7.75% p.a. for senior citizens in July 2026, across a 31 to 60-month tenure.
In summary
Fixed deposit interest rates change with tenure, payout frequency, and investor age, so it’s worth checking the current slab before you invest. Bajaj Finance FD rates for July 2026 top out at 7.75% p.a. for senior citizens.
- Interest rates: up to 7.40% p.a. (general), up to 7.75% p.a. (senior citizens)
- Senior citizen benefit: additional 0.35% p.a. over the general rate
- Minimum investment: Rs. 15,000; tenure: 31 to 60 months
- Safety ratings: CRISIL AAA/Stable and ICRA AAA (Stable)
- Payout options: monthly, quarterly, half-yearly, annual, or at maturity
Book your Bajaj Finance Fixed Deposit at bajajfinserv. In — enter your investment amount and tenure, complete your KYC, and start earning guaranteed returns.
What are the current Bajaj Finance FD interest rates?
Within the 31 to 60-month tenure band, rates vary by how often you receive your payout.
| Payout frequency | General rate (p.a.) | Senior citizen rate (p.a.) |
| At maturity | 7.40% | 7.75% |
| Monthly | 7.16% | 7.49% |
| Quarterly | 7.20% | 7.53% |
| Half-yearly | 7.27% | 7.61% |
| Annual | 7.40% | 7.75% |
How do senior citizens get higher FD interest rates?
Investors aged 60 and above receive an additional 0.35% p.a. over the prevailing general rate on the same tenure. This benefit applies automatically at booking once age is verified through KYC, and it holds across all payout frequencies.
What determines the interest rate on your fixed deposit?
Two factors set your rate: the tenure you choose within the 31 to 60-month range, and whether you opt for Cumulative or Non-Cumulative payouts. At-maturity and annual payouts carry the highest annualised rate, while monthly payouts carry a marginally lower rate due to the frequency of disbursal.
Cumulative vs non-cumulative FD: which payout should you choose?
| Feature | Cumulative FD | Non-Cumulative FD |
| Interest payout | Compounded, paid at maturity | Paid periodically (monthly, quarterly, half-yearly, annual) |
| Best for | Lump-sum, long-term goals | Regular income needs |
| Loan against FD | Up to 75% of FD amount | Up to 60% of FD amount |
How safe is a Bajaj Finance fixed deposit?
This is a Corporate Fixed Deposit issued by an NBFC (Non-Banking Financial Company), not a bank FD, so it is not covered by DICGC insurance. Bajaj Finance Limited is registered with the Reserve Bank of India (RBI) as a Deposit-Taking NBFC (NBFC-D). In place of DICGC cover, the FD carries CRISIL AAA/Stable and ICRA AAA (Stable) ratings — the highest safety ratings assigned to any NBFC FD in India.
How do you book a Fixed Deposit online with Bajaj Finance?
Booking an FD online takes under 10 minutes. Complete your application entirely from bajajfinserv.in — no branch visit required for existing customers.
- Visit bajajfinserv.in/investments/fixed-deposit and click ‘Invest Now’ or ‘Open FD’.
- Enter your mobile number and validate with the OTP sent to your registered number.
- Enter your investment amount (minimum Rs. 15,000) and select your preferred tenure (31 to 60 months).
- Choose your FD type: Cumulative (interest paid at maturity) or Non-Cumulative (periodic interest payout).
- If Non-Cumulative, select your payout frequency: monthly, quarterly, half-yearly, or annual.
- Complete your KYC: provide PAN, Aadhaar or other valid address proof, and bank account details for maturity proceeds.
- Review the applicable interest rate and projected maturity amount using the FD calculator.
- Confirm and submit your application. Your FD will be booked, and a confirmation will be sent to your registered email and mobile.
TDS will be deducted if the total interest credited in a financial year exceeds Rs. 5,000. TDS rate: 10% (with PAN) or 20% (without PAN). Premature withdrawal is subject to applicable penalties. Bajaj Finance Limited is a registered NBFC-D with the Reserve Bank of India. This FD is not covered under DICGC insurance.
Conclusion
Fixed deposit interest rates in July 2026 favour investors who lock in the 31- to 60-month tenure, with general investors earning up to 7.40% p.a. and senior citizens up to 7.75% p.a. Checking the payout-wise rate table and the CRISIL AAA/Stable and ICRA AAA (Stable) ratings before you invest helps you choose the slab that matches your goals.
Disclaimer: Fixed Deposits offered by Bajaj Finance Limited are subject to the terms and conditions specified at the time of booking. Bajaj Finance Limited is registered with the Reserve Bank of India as a Deposit-Taking Non-Banking Financial Company (NBFC-D). These deposits are not insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) and are not covered under any deposit insurance scheme applicable to bank deposits. Credit ratings of CRISIL AAA/Stable and [ICRA]AAA(Stable) indicate the highest degree of safety with regard to timely payment of interest and principal but do not constitute a recommendation to buy, sell, or hold the instrument. Interest rates are subject to change and are applicable as per the rate card in effect on the date of investment. TDS will be deducted as per applicable tax laws. Please read all scheme-related documents carefully before investing.
