Fixed DepositsBajaj Finance Limited
Bajaj Finance Fixed Deposits
One of India's largest deposit-taking NBFCs, headquartered in Pune, with a separate higher rate card for senior citizens.
CRISIL AAA/Stable and [ICRA]AAA(Stable)
7.75%
highest rate, p.a.
12 to 60
months
₹15,000
minimum deposit
+0.40%
senior citizens
The rate card
Rates effective 7 October 2026 for deposits of ₹15,000 to ₹3 crore, as published on bajajfinserv.in
Interest rates by tenure and payout
Deposits of ₹15,000 to ₹3,00,00,000
| Tenure | Cumulative |
|---|---|
| 12-17 months | 6.80% |
| 18-30 months | 7.00% |
| 31-60 months | 7.75% |
| Minimum | ₹15,000 |
Rates are % per annum, as printed on the issuer's application form. Tap a row to use it in the calculator.
What a deposit would earn
Cumulative. For a range of tenures the calculation uses the first month of the band.
Rate applied
7.75% p.a.
Maturity value after 31 months
₹1,21,268
Interest earned ₹21,268, compounded annually
Indicative and before tax, computed from the printed rate; the issuer's own calculation on the date of deposit prevails. Not an offer of a rate.
- Credit rating
- CRISIL AAA/Stable and [ICRA]AAA(Stable), the highest safety grade
- Deposit size
- ₹15,000 to ₹3 crore per deposit; larger amounts offline
- Tenure
- 12 to 60 months, chosen at booking
- Senior citizens
- Additional 0.40% p.a. on every tenure
- Interest payout
- Monthly, quarterly, half-yearly, annual or at maturity
- Loan against deposit
- Up to 75% of a cumulative deposit after 3 months
Notes on the rate card (4)
Renewing a matured deposit earns up to 0.10% p.a. more; deposits of more than ₹5 crore are priced case by case.
As per RBI guidelines, a loan against the deposit is available after 3 months from the date of deposit, up to 75% of the principal, at 2% above the deposit rate. The facility is not available for deposits from minors and NRIs.
Premature withdrawal is not permitted within 3 months; between 3 and 6 months only the principal is returned; after 6 months interest is paid at 2% p.a. below the rate for the completed tenure.
The deposits accepted by the company are unsecured and are not insured; the company's financial activities are regulated by the Reserve Bank of India.
What the issuer offers
Rates up to 7.40% p.a. for depositors below 60 and up to 7.75% p.a. for senior citizens, with the highest rate on tenures of 31 to 60 months.
Highest credit ratings
CRISIL AAA/STABLE and [ICRA]AAA(Stable).
Flexible payout
monthly, quarterly, half-yearly or yearly interest, or the full amount (interest plus principal) at maturity.
Deposits from ₹15,000; online bookings up to ₹3 crore, with no upper limit for offline investors.
Tenures from 12 to 60 months, with special higher-rate periods.
End-to-end online process, with the deposit booked within one hour of the money being received, subject to document verification.
A customer portal to download the deposit receipt, interest certificate and statement of account.
Loan against the deposit
up to 75% of a cumulative deposit and up to 60% of a non-cumulative deposit.
Who can invest
Resident Indians and, through a company representative, non-resident Indians, persons of Indian origin and overseas citizens of India.
Individuals, Senior citizens, Minors through a guardian, Sole proprietorships, Partnership firms, Limited liability partnerships, Hindu Undivided Families, Companies and corporates, Clubs, associations and societies and Family trusts.
How to apply through Sanriya
Download the application form below and print it on A4 paper.
Fill in the form for resident individuals: the amount, the tenure, the payout frequency, the nominee and the bank account for interest and maturity.
Attach a self-attested copy of your PAN and one KYC document, a passport photograph and a cancelled cheque.
Hand the form and the payment instrument to us, or send a scan to [email protected] and we will collect the originals in Pune; we check the form against the issuer's requirements before it is submitted.
Bajaj Finance issues the deposit acknowledgement on booking and the electronic deposit receipt within three working days of the documents being in order.
We diarise the maturity and, for payout plans, the interest dates, so renewals are planned rather than discovered.
Documents required
Bajaj Finance follows the RBI's Know Your Customer directions: every applicant and every signatory gives a photograph, a PAN (or Form 60) and a certified copy of one officially valid document. The lists below are from bajajfinserv.in and the company's application forms.
For individuals
- One recent photograph
- PAN, or Form 60 if PAN has not been allotted
- A certified copy of one officially valid document for identity and address: passport, driving licence, voter ID, Aadhaar (first eight digits redacted), NREGA job card or the National Population Register letter
- If that document does not carry the current address: a utility bill not older than two months, a property or municipal tax receipt, a pension payment order or an employer's accommodation letter
- Online, the KYC can be fetched from the central KYC registry or completed with Aadhaar and video verification
For senior citizens
- The documents listed for individuals
- Proof that the depositor has completed 60 years, such as PAN, passport, voter ID, Aadhaar or driving licence, so the additional rate applies
For minors through a guardian
- The guardian's documents as listed for individuals; the guardian signs the form on the minor's behalf
- The minor's proof of date of birth, such as a birth certificate, school leaving certificate or passport
- A court order appointing the guardian, where the natural guardian is not applying
For sole proprietorships
- The proprietor's documents as listed for individuals
- Any two documents in the firm's name as proof of business: registration certificate; Shop and Establishment licence; sales and income-tax returns; GST, CST or VAT certificate; sales, service or professional tax registration; importer-exporter code or a professional body's certificate of practice; the complete income-tax return showing the firm's income; utility bills in the firm's name
For partnership firms
- Registration certificate
- PAN of the firm
- Partnership deed
- Names of all partners on the firm's letterhead, signed by the authorised signatories
- Address proof of the registered office and of the principal place of business, if different
- One photograph, PAN or Form 60 and a valid officially valid document of each authorised signatory
- Beneficial-ownership declaration (part of the form) and KYC of the beneficial owners
For limited liability partnerships
- LLP agreement and certificate of incorporation
- PAN of the LLP
- List of designated partners with their DPIN, on the LLP's letterhead
- Resolution of the designated partners for placing the deposit
- Address proof in the name of the LLP
- Photograph, PAN or Form 60 and an officially valid document of each authorised signatory; beneficial-ownership declaration
For Hindu Undivided Families
- Deed of declaration of the HUF, or an HUF letter with the names and signatures of all adult coparceners
- PAN of the HUF
- Photograph, PAN or Form 60 and an officially valid document of the Karta
For companies and corporates
- Certificate of incorporation
- Memorandum and articles of association
- Board resolution for placing the deposit, naming the authorised signatories
- PAN of the company
- Address proof of the registered office and the principal place of business: latest telephone or electricity bill or bank statement
- A cancelled cheque
- Photograph, PAN and an officially valid document of each authorised signatory, and details of key management personnel
- Beneficial-ownership declaration and KYC of beneficial owners (not required for listed companies and their subsidiaries)
For clubs, associations and societies
- Registration certificate and the bye-laws or rules
- Resolution of the managing body for placing the deposit and naming the signatories
- Power of attorney to the person who will transact, where applicable
- PAN of the body
- Latest telephone or electricity bill or bank statement as address proof
- Photograph, PAN or Form 60 and an officially valid document of each authorised signatory
- Documents that together establish the legal existence of the body, and the beneficial-ownership declaration
For family trusts
- Registration certificate
- Trust deed
- PAN of the trust
- Resolution of the trustees for placing the deposit
- Photograph, PAN or Form 60 and an officially valid document of each trustee who will transact
- Beneficial-ownership declaration and KYC of the author, the trustees, the beneficiaries with 15% or more interest and anyone exercising control over the trust
Where to submit the form
Hand it to us in Pune, or at a Bajaj Finance branch: all 7,192 from the issuer's own list are searchable below.
Sanriya Finvest, Pune
Kamdhenu, 2nd Floor, Senapati Bapat Road, Near Chattushringi Temple, Shivajinagar, Pune, Maharashtra 411016. Directions and hours
Terms and particulars
Booking online with Bajaj Finance
Resident individuals can also book directly on bajajfinserv.in or the Bajaj Finserv app.
- 1Visit the Bajaj Finance website or open the app, go to Investments and choose Fixed Deposit.
- 2Click Open FD, enter your mobile number and verify the OTP.
- 3Enter the amount, tenure and payout frequency, then your PAN and date of birth.
- 4Complete the KYC: existing customers confirm the details on record; new customers complete it with Aadhaar.
- 5Read the declaration, enter the bank details and pay by net banking, UPI, NEFT or RTGS.
- 6The deposit acknowledgement arrives by email and SMS, and the electronic receipt within three working days.
Renewal: a deposit can be renewed up to 24 hours before maturity from the customer portal: choose principal only, principal plus interest, or a partial renewal, pick the payout frequency and tenure, and confirm with an OTP.
Questions depositors ask
Any tenure from 12 to 60 months. The rate depends on the tenure band and on whether the depositor is a senior citizen.
Yes, after three months from the interest start date, with a penalty as per RBI guidelines. Withdrawal is not permitted in the first three months except on the death of a depositor.
Online bookings run from ₹15,000 to ₹3 crore per deposit. There is no upper limit for deposits placed offline.
Yes. Depositors often book several deposits with different amounts, tenures and payout options to build a ladder that keeps some money liquid while rates are locked on the rest.
Yes: choose the non-cumulative monthly option. Quarterly, half-yearly and annual payouts are also available.
The deposit programme carries CRISIL AAA/STABLE and [ICRA]AAA(Stable), the highest safety grades, indicating the highest degree of certainty on timely payment of interest and principal. A company deposit is still an unsecured obligation of the issuer and is not covered by deposit insurance.
Yes. TDS at 10% applies once the interest crosses the threshold for company deposits in a financial year, and at 20% if PAN is not provided. If your total income is below the taxable limit, submit the prescribed self-declaration so interest is paid without deduction. TDS is adjusted against your final tax liability.
Yes, through a parent or legal guardian, who manages the deposit until the minor comes of age.
Maturity proceeds are processed according to the instruction given at booking. To keep earning, renew from the customer portal before maturity or book a fresh deposit.
Yes: up to 75% of a cumulative deposit and up to 60% of a non-cumulative deposit, after three months, at 2% above the deposit rate. Not available on deposits from minors and NRIs.
About Bajaj Finance Limited
Bajaj Finance Limited (CIN L65910MH1987PLC042961) is a deposit-taking non-banking financial company registered with the Reserve Bank of India, with its registered office at Akurdi, Pune and corporate office at Viman Nagar, Pune. Its fixed deposit programme is rated CRISIL AAA/Stable and [ICRA]AAA(Stable), and the company reports more than five lakh depositors.
The company publishes a statutory advertisement with every application form: the directors, the summarised financial position, the amount it may raise by way of deposits under the RBI directions and the deposits actually held. It is included in the form below.
Sanriya Finvest Pvt. Ltd. distributes this deposit and receives brokerage from the issuer. Rates and terms are set by Bajaj Finance Limited and change without notice; the rate on the day the deposit is realised applies. A company deposit carries the issuer's credit risk and is not covered by DICGC insurance. Interest is taxable.
Want this deposit placed and tracked?
Tell us the amount, the tenure and whether you need a payout. We prepare the form, check it, submit it and diarise the maturity in your portfolio.
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