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Bajaj Finance Interest Rates & Financial Calculators

Compare FD, RD, and loan rates with our calculators

Complete guide to Bajaj Finance interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.

Best FD Rate

7.3%

Home Loan Rate

8.5%

Bank Type

nbfc

Last Updated

Dec 2025

Best FD Rate: 7.3% for Senior Citizens
General Rate: 6.95% for all citizens
Min FD Amount: ₹15K only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 8.5%
Personal Loan: From 11%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum (₹50,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
NBFC with competitive FD rates
Senior citizens get additional interest (varies by tenure: +0.25% to +0.35%)
CRISIL AAA/Stable and ICRA AAA(Stable) ratings
Digital FD booking available
Loan against FD: Up to 75% of deposit value
Flexible interest payout options (Monthly, Quarterly, Half-Yearly, Annual)
Minimum deposit: ₹15,000, Maximum: ₹3 Crore
Rates effective from 11.06.2025
Best FD Rate: 7.3% for Senior Citizens
General Rate: 6.95% for all citizens
Min FD Amount: ₹15K only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 8.5%
Personal Loan: From 11%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum (₹50,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
NBFC with competitive FD rates
Senior citizens get additional interest (varies by tenure: +0.25% to +0.35%)
CRISIL AAA/Stable and ICRA AAA(Stable) ratings
Digital FD booking available
Loan against FD: Up to 75% of deposit value
Flexible interest payout options (Monthly, Quarterly, Half-Yearly, Annual)
Minimum deposit: ₹15,000, Maximum: ₹3 Crore
Rates effective from 11.06.2025

Latest Bajaj Finance Interest Rates

Deposits (FD & RD) Interest Rates

Bajaj Finance Fixed Deposit Rates

FD Calculator

Latest Bajaj Finance Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type/TenureGeneral RateSenior Citizen Rate
12-14 months
6.6%6.95%
15-23 months
6.75%7.1%
24-60 months
6.95%7.3%

Bajaj Finance Recurring Deposit Rates

RD Calculator

Latest Bajaj Finance Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type/TenureGeneral RateSenior Citizen Rate
12-14 months
6.6%6.95%
15-23 months
6.75%7.1%
24-60 months
6.95%7.3%

Loan Interest Rates

Bajaj Finance Loan Interest Rates Rates

Current Bajaj Finance loan interest rates and processing fees for different loan types.

Type/TenureMin RateMax RateProcessing Fee
Home Loan
8.5%12%0.25-0.50% of loan amount + GST
Personal Loan
11%39%1-4% of loan amount + GST
Car Loan
8.5%14%0.5% of loan amount + GST
Education Loan
9.5%14.5%Nil for loans up to ₹7.5 lakhs
Business Loan
11.5%24%1-2% of loan amount + GST
Two Wheeler Loan
12%18%₹1,000-₹1,500 + GST
Gold Loan
9.5%13.5%₹500-₹750 + GST

Why Choose Bajaj Finance?

Discover the advantages of banking with one of India's most trusted financial institutions

Competitive Rates

Up to 7.3% returns on Fixed Deposits with attractive rates for all tenures

Bank Security

RBI regulated private bank with deposit insurance up to ₹5 lakhs

Digital Banking

Advanced mobile banking, online FD booking, and instant loan approvals through digital channels

Customer Service

24/7 customer support with extensive branch network and dedicated relationship managers

Additional Benefits

Loan against FD up to 90% of deposit value
Senior citizen benefits with higher interest rates
Flexible tenure options from 7 days to 10 years
Auto-renewal facility for continuous growth
Premature withdrawal with minimal penalty
Tax-saving FD options available under 80C

Interest rates last updated: Dec 2025

Data Source

Bajaj Finance Official Rates