Archive · 8 Oct 2026
Bajaj Finance Raises FD Rates, Boosting Five-Year Returns
Bajaj Finance has changed the interest rates it pays on fixed deposits.
The rates are available for deposits lasting from one to five years.
A regular customer investing ₹5 lakh for five years at the top fresh-deposit rate of 7.75% could receive about ₹7.25 lakh in total.
A senior citizen gets a higher rate of 8.15%, making the illustrated total about ₹7.40 lakh.
These totals are estimates, and the actual amount can differ because of how interest is compounded.
Customers renewing an existing deposit can get a slightly higher rate than customers making a fresh deposit.
Depositors can choose to receive interest at different intervals or let it build up.
The article also advises considering whether the money may be needed before choosing a longer term.
Bajaj Finance’s revised fixed-deposit rates apply to tenures from 12 to 60 months.
For a five-year cumulative deposit, the maximum fresh rate is 7.75% for regular depositors.
At 7.75%, a ₹5 lakh deposit has an indicative maturity value of about ₹7.25 lakh.
Senior citizens receive an additional 0.40 percentage point; at 8.15%, ₹5 lakh may reach about ₹7.40 lakh.
Renewals receive an additional 0.10 percentage point, with maximum rates of 7.85% for regular depositors and 8.25% for seniors.
- Who
- Bajaj Finance and people investing in its fixed deposits, including regular depositors and senior citizens.
- What
- Revised FD rates and illustrative returns on five-year deposits are described.
- When
- The article does not specify when the revised rates take effect.
- Where
- Bajaj Finance fixed deposits; no specific location is stated.
- Why
- The revised rates offer stated returns on deposits, with higher rates for senior citizens and renewals.
Reasons to consider a longer-term FD
Reasons to weigh liquidity needs
Locking in money for three to five years
Reasons to consider a longer-term FD
The article says higher rates on longer tenures may make committing money for three to five years more attractive to investors seeking predictable returns.
Reasons to weigh liquidity needs
The article cautions investors to consider liquidity requirements before committing to a long-term FD.
Interpreting estimated maturity values
Reasons to consider a longer-term FD
The illustrative calculations show higher total returns at the stated rates, including about ₹7.25 lakh for a regular depositor’s ₹5 lakh investment.
Reasons to weigh liquidity needs
The figures are rounded estimates; actual cumulative maturity values may differ depending on the applicable compounding frequency and methodology.
- Available tenures
- 12 to 60 months
- Regular fresh-deposit maximum
- 7.75% per annum for 31–60 months
- Senior citizen fresh-deposit maximum
- 8.15% per annum for 31–60 months
- Regular renewal maximum
- 7.85% per annum
- Senior citizen renewal maximum
- 8.25% per annum
- Illustrative regular return
- ₹5 lakh at 7.75% for five years: about ₹2.25 lakh interest and ₹7.25 lakh maturity value
- Illustrative senior citizen return
- ₹5 lakh at 8.15% for five years: about ₹2.40 lakh interest and ₹7.40 lakh maturity value
- Payout choices
- Cumulative or non-cumulative, with monthly, quarterly, half-yearly, or annual interest payouts for non-cumulative deposits