{"id":12677,"date":"2022-06-22T18:32:34","date_gmt":"2022-06-22T13:02:34","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12677"},"modified":"2022-07-14T16:52:58","modified_gmt":"2022-07-14T11:22:58","slug":"bajaj-finance-fixed-deposit-rates","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/","title":{"rendered":"Bajaj Finance Fixed Deposit Rates"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69dba3368a8a5\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69dba3368a8a5\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#How_do_FDs_work\" title=\"How do FDs work?\">How do FDs work?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#About_Bajaj_Finance_Ltd\" title=\"About Bajaj Finance Ltd\">About Bajaj Finance Ltd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Bajaj_FD_Rates_2022\" title=\"Bajaj FD Rates 2022\">Bajaj FD Rates 2022<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Why_Should_You_Invest_in_the_Fixed_Deposits_in_India\" title=\"Why Should You Invest in the Fixed Deposits in India?\">Why Should You Invest in the Fixed Deposits in India?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Guaranteed_Returns_on_Investment\" title=\"Guaranteed Returns on Investment\">Guaranteed Returns on Investment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Capital_Protection\" title=\"Capital Protection\">Capital Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Tax_Deductions\" title=\"Tax Deductions\">Tax Deductions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Benefits_of_Bajaj_Finance_FD\" title=\"Benefits of Bajaj Finance FD\">Benefits of Bajaj Finance FD<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Systematic_Deposit_Plan_SDP\" title=\"Systematic Deposit Plan (SDP)\">Systematic Deposit Plan (SDP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#High_stability_and_good_credibility\" title=\"High stability and good credibility\">High stability and good credibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Flexible_tenures\" title=\"Flexible tenures\">Flexible tenures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Online_FD_opening\" title=\"Online FD opening\">Online FD opening<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Online_loan_against_FD\" title=\"Online loan against FD\">Online loan against FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Invest_using_a_debit_card\" title=\"Invest using a debit card\">Invest using a debit card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Multi_deposit_facility\" title=\"Multi deposit facility\">Multi deposit facility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#NRI_FD\" title=\"NRI FD\">NRI FD<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Features_of_Bajaj_Finance_Fixed_Deposit_Rates\" title=\"Features of Bajaj Finance Fixed Deposit Rates\">Features of Bajaj Finance Fixed Deposit Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Comparison_of_Bajaj_FD_Rates_with_other_Banks\" title=\"Comparison of Bajaj FD Rates with other Banks\">Comparison of Bajaj FD Rates with other Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#How_to_invest_in_Bajaj_Finance_Fixed_Deposit\" title=\"How to invest in Bajaj Finance Fixed Deposit\">How to invest in Bajaj Finance Fixed Deposit<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Can_I_withdraw_the_fixed_deposit_before_maturity\" title=\"Can I withdraw the fixed deposit before maturity?\">Can I withdraw the fixed deposit before maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Who_should_invest_in_Bajaj_Finance_Fixed_Deposit\" title=\"Who should invest in Bajaj Finance Fixed Deposit?\">Who should invest in Bajaj Finance Fixed Deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#What_are_the_minimum_and_maximum_amounts_for_Bajaj_Finance_FD\" title=\"What are the minimum and maximum amounts for Bajaj Finance FD?\">What are the minimum and maximum amounts for Bajaj Finance FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">For people who don&#8217;t want to take high risks, a fixed deposit (FD) is an excellent option. The duration flexibility is one of its finest qualities. It allows you to handle many FDs with different terms and deposit rates.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You may start an FD account at the bank where you already have a savings account or any other bank that offers the best-fixed deposit interest rates. However, to start and FD in a bank where you don\u2019t have a bank account, you will need to go through the paper work for KYC.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investing online in Bajaj FD is easy with <\/span><a href=\"https:\/\/app.kuvera.in\/\"><span style=\"font-weight: 400;\">Kuvera<\/span><\/a><span style=\"font-weight: 400;\">. You can book an FD within minutes by linking your primary bank account to the Kuvera account. You can pick a convenient tenure and get the best rate. Currently, Bajaj Finance offers a 7.45% interest rate for a 3 year, 8 month tenure. You can earn 5.75% interest even with a one-year tenure with Kuvera.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><i>Read on to find more about Bajaj Finance fixed deposit rates.\u00a0<\/i><\/p>\n<p>&nbsp;<\/p>\n<p>Because of its higher interest rate, Bajaj Finance fixed deposits are among the most popular fixed deposits. Bajaj Finance&#8217;s senior citizens&#8217; FD rates are 0.25 percent more than standard FD rates.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_FDs_work\"><\/span>How do FDs work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Fixed deposit schemes offer the security of a fixed sum and a consistent income flow. If you have a substantial amount of money you do not intend to spend for a long time, you may invest in an FD account with the best fixed deposit interest rates. As best fixed Deposit Rates in India are not market-linked, they are not affected by market fluctuations. FDs provide a fixed rate of interest for the length of the arrangement.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is now relatively easy to open a savings account. You may use internet banking. You may circumvent the KYC procedure and transfer cash from your savings account if you create an FD account at the same bank where you have a savings account.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">FDs are handy for emergency requests or financial emergencies since the money is readily available. You may borrow a loan against your FD but understand the terms and conditions beforehand.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">After maturity, you may transfer the FD money to your savings account or renew it for India&#8217;s Best Fixed Deposit Rates. The funds will be reinvested as a fixed deposit in the second situation. Please remember that if you prematurely terminate your FD, you will get less of the best-fixed deposit interest rates, and a penalty will be deducted from your FD balance.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Consider all advantages and disadvantages of the interest rates different banks give for FDs before making a final decision.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"About_Bajaj_Finance_Ltd\"><\/span>About Bajaj Finance Ltd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Bajaj Credit Limited is a non-banking credit company of Bajaj Finserv Limited (NBFC). Bajaj Loan Limited, founded in 1987, is the most diverse non-bank finance organization. The firm provides consumer credit, SME financing, business lending, rural lending, mortgage lending, and investment products.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">On January 31st, 2019, S&amp;P Global Ratings assigned the business a long-term issuer credit rating of BBB- and a short-term issuer credit rating of A-3. They are the largest distributor of consumer lifestyle products, technology, digital devices, and personal loans in India. Furthermore, their SMEs are growing quicker than the industry average. CRISIL has assigned the highest degree of security to its fixed deposits, FAAA.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Pune is the company&#8217;s headquarters. It also has over 33,000 distribution sites and 300 customer service locations. In addition, the business owns 100% of Bajaj Housing Finance Limited and 100% of Bajaj Financial Securities Limited.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The parent company, Bajaj Finserv Limited, is a diversified financial services organisation with a pan-India presence. The services provided by the firm are general insurance, loan services, life insurance, health insurance, fixed deposits, life insurance pensions, and mutual funds.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bajaj_FD_Rates_2022\"><\/span>Bajaj FD Rates 2022<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investors get interested in <\/span><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><b>Bajaj FD rates<\/b><\/a><span style=\"font-weight: 400;\"> depending on the scheme&#8217;s interest payment frequency.<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><strong>Sl no.<\/strong><\/td>\n<td><strong>Tenure\u00a0<\/strong><\/td>\n<td><strong>Interest Rate (Per Annum)<\/strong><\/td>\n<td><strong>Minimum Deposit<\/strong><\/td>\n<td><strong>Lock-in period<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 Years, 8 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.35%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 Years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.20%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 Years, 9 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 Years, 6 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.70%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 Years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.60%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 Year, 10 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 Year, 6 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.15%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 Year, 3 Months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.05%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.85%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 15000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 months<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i>*As on 21st June, 2022. Subject to Change<\/i><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maturity &#8211; The interest will be paid with the principal amount at maturity. In addition, interest will be compounded yearly. In the hands of investors, the maturity amount will be taxed.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly &#8211;\u00a0 Over here, you must pay the interest on the FD investment on the last day of the following month. Interest is paid quarterly on June 30th, September 30th, December 31st, and March 31st.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Half-yearly \u2014 Interest is paid on September 30th and March 31st. The interest payment is payable annually on March 31st.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Senior folks&#8217; fixed deposit interest rate is greater for <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/l\/bajaj-finance-ltd\/25\">Bajaj Finserv Fixed Deposits<\/a>. The interest on FDs is taxable, and if the amount exceeds INR 5,000, TDS is levied. TDS will not be deducted if form 15G or 15H is presented.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Should_You_Invest_in_the_Fixed_Deposits_in_India\"><\/span>Why Should You Invest in the Fixed Deposits in India?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Guaranteed_Returns_on_Investment\"><\/span>Guaranteed Returns on Investment<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The best-fixed deposit rates in India booked at account opening are locked in until maturity, regardless of the FD card rate changes. For example, if a person opens a three-year bank fixed deposit at 6% p.a., the interest rate will be selected for three years. Consequently, the best-fixed deposit schemes have significantly more income certainty than other modest saving programmes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Capital_Protection\"><\/span>Capital Protection<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Fixed deposits with specified banks are insured by the DICGC deposit insurance system, which an RBI subsidiary maintains. In the case of failure, insurance covers cumulative bank deposits, including fixed deposits, recurring deposits, savings accounts, and current accounts, up to INR 5 lakh per bank and depositor.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Tax_Deductions\"><\/span>Tax Deductions<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Many banks and non-bank financial companies provide 5-year tax-free fixed-rate deposits with a 5-year lock-in period and the best-fixed Deposit Rates in India. The primary component of up to INR 1.5 lakh may be claimed as a tax deduction under Section 80C of the Income Tax Act each fiscal year. In contrast, the interest component is taxed at the depositor&#8217;s marginal tax rate.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_of_Bajaj_Finance_FD\"><\/span>Benefits of Bajaj Finance FD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Systematic_Deposit_Plan_SDP\"><\/span>Systematic Deposit Plan (SDP)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Bajaj Finance offers a Systematic Deposit Plan (SDP). SDP is a monthly investment option that allows depositors to make small monthly payments. Each deposit has a maturity period ranging from 12 to 60 months. Furthermore, the deposit will be subject to the interest rate in force on the day it is made. In addition, each SDP deposit is treated as a separate fixed deposit.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"High_stability_and_good_credibility\"><\/span>High stability and good credibility<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Bajaj Finance is the only Indian NBFC with a worldwide rating of &#8216;BBB,&#8217; according to S&amp;P Worldwide. Bajaj Finance Fixed Deposits are among the safest investment options accessible to investors. Furthermore, CRISIL and ICRA have given Bajaj Finance FDs the highest stability ratings, FAAA and MAAA, respectively. As a consequence, proving the investment&#8217;s security.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Flexible_tenures\"><\/span>Flexible tenures<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Bajaj Finance offers term deposits ranging from 12 to 60 months. Consequently, investors may choose the tenure that best suits their financial needs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Online_FD_opening\"><\/span>Online FD opening<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Depositors may open Bajaj Finance FD accounts online. The online FD application process is straightforward and saves depositors time. The online method removes the need to deal with paperwork or stand in queues.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Online_loan_against_FD\"><\/span><a href=\"https:\/\/kuvera.in\/blog\/loan-against-fixed-deposit\/\">Online loan against FD<\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In an emergency, Bajaj Finance offers the option of borrowing against an FD. Furthermore, one may request a loan online instead of going to the bank. On the other hand, Borrowers may only borrow up to 75% of their deposit amount.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Invest_using_a_debit_card\"><\/span>Invest using a debit card<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You may invest in FDs using your debit card at Bajaj Finance. Please remember that this is only available in a limited number of locations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Multi_deposit_facility\"><\/span>Multi deposit facility<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Depositors may invest in several deposits with a single check payment. They may also choose the length and frequency of interest payments for each deposit. In addition, in an emergency, a single deposit may be made without impacting the other accounts.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"NRI_FD\"><\/span>NRI FD<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Bajaj Finance offers fixed deposit solutions to non-resident Indians (NRIs), Overseas Citizens of India (OCIs), and Persons of Indian Origin (PIO). NRO account users may also pick between 12 and 36-month terms. Furthermore, considering the low-interest rates, an NRI FD is an excellent investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Features_of_Bajaj_Finance_Fixed_Deposit_Rates\"><\/span>Features of Bajaj Finance Fixed Deposit Rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>For investors seeking better returns than a bank savings account, the Bajaj Finance Fixed Deposit account is one of the greatest investing alternatives. The fixed deposit program from Bajaj Finance provides guaranteed income at a set interest rate.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the main characteristics of a Bajaj Finance Fixed deposit account:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The time varies between 12 and 60 months.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To start an FD with Bajaj Finance, a minimum deposit of INR 25,000 is required.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no such thing as a maximum amount.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bajaj FD Financial Services Interest Rates: The annual interest rate on the Bajaj Finance FD varies from 6.90% to 7.10%.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior Citizens Get Preferred Interest Rates: Senior citizens get preferential interest rates from Bajaj Finance. Annual interest rates vary between 7.15 and 7.35 percent.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is safe since Bajaj Finance is a Housing Finance Company (HFC). Insurance does not cover HFC deposits. Rating agencies, on the other hand, scrutinise HFC deposits. The ratings accurately indicate the cost reductions. Deposits with AAA or AA ratings, for example, are the most secure.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan against Fixed Deposit: Bajaj Finance provides loans up to 75% of the FD&#8217;s value.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature Withdrawal: Depositors may withdraw their deposit amount in an emergency. This, however, applies only after the first three-month lock-in term.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Depositors may choose beneficiaries for Bajaj Finance deposits.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Auto-Renewal: The FD account may be automatically renewed by Bajaj Finance.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Depositors may begin investing in a Bajaj Finance Fixed Deposit at any time. Depositors may also start their FD investments by filling out the online application form on the website.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Comparison_of_Bajaj_FD_Rates_with_other_Banks\"><\/span>Comparison of Bajaj FD Rates with other Banks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Bank Name<\/b><\/td>\n<td><b>Interest Rate<\/b><\/td>\n<td><b>Tenure<\/b><\/td>\n<td><b>Minimum Deposit Amount<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bajaj Finance Ltd.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.79% \u2013 7.35%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 5 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SBI Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.90% \u2013 6.20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 1,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICICI Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.50% \u2013 6.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 10,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Axis Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75% \u2013 6.15%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 5,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">HDFC Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.75% \u2013 6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 5,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank of Baroda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.90% \u2013 6.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 1,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">IDFC Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.00% \u2013 7.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 10,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Kotak Mahindra Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.50% \u2013 4.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 5,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Canara Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.30% \u2013 5.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 \u2013 10 yrs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">INR 1,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i>*With effect from May 10, 2022<\/i><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_invest_in_Bajaj_Finance_Fixed_Deposit\"><\/span>How to invest in Bajaj Finance Fixed Deposit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Bajaj Finance Fixed Deposits<span style=\"font-weight: 400;\"> may be purchased both online and in person.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Offline:<\/b><span style=\"font-weight: 400;\"> To invest in a <\/span>Bajaj Finance FD<span style=\"font-weight: 400;\"> offline, go to your local Bajaj Finance branch and fill out the FD form.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Online on Bajaj Finserv Website: <\/b><span style=\"font-weight: 400;\">To make an online investment in a Bajaj Finance Fixed Deposit, go to their website or download their official app and fill out the online application. Online investing saves you time and trouble visiting a Bajaj Finance Limited office.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Online on Kuvera<\/strong>: <\/span><span style=\"font-weight: 400;\">Here&#8217;s how you can get create a Bajaj FD account on Kuvera:\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Step 1: <\/b><span style=\"font-weight: 400;\">Download the Kuvera app or visit our website and sign up.<\/span><\/p>\n<p><b>Step 2:<\/b><span style=\"font-weight: 400;\"> Complete your KYC with PAN, Aadhaar, and In-person verification through video. It is mandatory to complete <\/span><span style=\"font-weight: 400;\">KYC compliance under the Prevention of Money Laundering Act, 2002, and the rules framed there under, read with the SEBI Master Circular on Anti Money Laundering (AML) Standards\/ Combating the Financing of Terrorism (CFT) \/Obligations of Securities Market Intermediaries.<\/span><\/p>\n<p><b>Step 2:<\/b><span style=\"font-weight: 400;\"> Select the \u2018<\/span><b>Invest&#8217;<\/b><span style=\"font-weight: 400;\"> option from &#8220;<\/span><b>Home<\/b><span style=\"font-weight: 400;\">&#8220;<\/span><\/p>\n<p><b>Step 3:<\/b><span style=\"font-weight: 400;\"> Select \u2018<\/span><b>Fixed Deposits<\/b><span style=\"font-weight: 400;\">\u2019, and see the categories listed, or check \u2018<\/span><b>All Fixed Deposits.\u2019<\/b><\/p>\n<p><b>Step 4: <\/b><span style=\"font-weight: 400;\">You will be directed to a list of all fixed deposits available in Kuvera. By clicking on every FD, you can check its tenure, interest rate, and minimum deposit required. To be sure, check the lock-in period of the fixed deposit.\u00a0<\/span><\/p>\n<p><b>Step 5<\/b><span style=\"font-weight: 400;\">: Select the fixed deposit you want to invest in, and tap on \u201cStart FD\u201d.<\/span><\/p>\n<p><b>Step 6: <\/b><span style=\"font-weight: 400;\">You will directed to provide your primary bank account details &#8211; IFSC code, account number and account type.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">FAQs<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Can_I_withdraw_the_fixed_deposit_before_maturity\"><\/span>Can I withdraw the fixed deposit before maturity?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, you may withdraw your FD assets before they mature. There is a three-month commitment necessary. However, the investor may withdraw their FD investment after the expired lock-in period. On the other hand, the investor will get a lower interest rate than the original. Instead, investors might borrow against their fixed deposit investment. Bajaj Finance offers a loan for 75% of the fixed deposit&#8217;s value.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Mortgages, commercial loans, and student loans may be obtained via an FD. A loan&#8217;s interest rate varies based on the bank and the kind of loan. One may always utilize the loan EMI to calculate one&#8217;s loan EMI calculator. The loan EMI calculator can calculate EMIs for a mortgage, personal, or car loan. By altering the interest rates on auto, personal, and property loans, this EMI calculator may also be utilised in many different circumstances.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Who_should_invest_in_Bajaj_Finance_Fixed_Deposit\"><\/span>Who should invest in Bajaj Finance Fixed Deposit?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Bajaj Finance offers a monthly interest payment option as one of its interest payout options. Monthly interest payments enable the investor to earn interest on the last day of each month. On the other hand, the interest payments will be deducted from the investment for the next month. For example, if an investor invests in a Bajaj Finance Fixed Deposit on January 28th, interest will be paid on February 28th, March 31st, etc.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_are_the_minimum_and_maximum_amounts_for_Bajaj_Finance_FD\"><\/span>What are the minimum and maximum amounts for Bajaj Finance FD?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>A Bajaj Finance FD requires a minimum deposit of INR 15,000. The maximum deposit amount is not specified. It may be kept for 12 to 60 months.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Check out all our &#8220;Investor Education Originals&#8221; videos on Youtube and get smart about investing.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"How to choose between Stocks &amp; Mutual funds | Explained\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/N1li1d9X0jw?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"http:\/\/app.kuvera.in\"><strong>Kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><br \/>\n#MutualFundSahiHai #KuveraSabs<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For people who don&#8217;t want to take high risks, a fixed deposit (FD) is an excellent option. The duration flexibility is one of its finest qualities. It allows you to handle many FDs with different terms and deposit rates. &nbsp; You may start an FD account at the bank where you already have a savings [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12686,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[543,99],"tags":[1027,1025,1026,666,176,556],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bajaj Finance Fixed Deposit Rates - Kuvera<\/title>\n<meta name=\"description\" content=\"Bajaj Finance Fixed Deposit offers various period of FD&#039;s which have different fd interest rate. 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