Bank RD Comparison Tool
Bajaj Finance vs Karur Vysya Bank Recurring Deposit Comparison 2026
Compare Recurring Deposit interest rates, maturity amounts, and features between Bajaj Finance (Private Sector) and Karur Vysya Bank (Private Sector).
Bajaj Finance
Private Sector
VS
KVB Bank
Private Sector
Bajaj Finance: Min ₹100
KVB Bank: Min ₹100
DICGC Insured up to ₹5 Lakhs
Compare Your RD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Thousand rupees
₹100₹50,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Bajaj Finance: % |KVB Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Bajaj Finance
KVB Bank
Highlighted = Your selected tenure
Feature Comparison
Features | Bajaj Finance Private Sector | KVB Bank Private Sector |
|---|---|---|
Minimum RD Amount | ₹100 | ₹100 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Bajaj Finance
Private Sector Bank
Key Advantages:
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
Karur Vysya Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Special deposit schemes: KVB 333 (333 days), KVB 400 (400 days)
Senior citizens get +0.50% additional interest
Tax Shield Deposits (5 years) available
Green Deposits scheme (2345 days) available
Rainbow Deposits (RBFD) available
Rates effective from 26.09.2025 for deposits below ₹3 Crores
Note: Website uses JavaScript/PDF for rates - rates updated manually from official source
Important: Recurring Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This includes both principal and accrued interest for RDs.
⚠️ Recommendation:
Keep your total deposits (RDs + FDs + Savings) under ₹5 lakhs per bank. If you need larger investments, distribute them across multiple banks.
Smart Distribution Strategy
Multiple RDs: Open RDs in both Bajaj Finance and KVB Bank
Family Accounts: Use different family members' accounts for additional coverage
💡 Pro Tip:
RDs are perfect for goal-based investing. You can open separate RDs for different financial goals across different banks to maximize returns and safety.
Key Insights & Recommendations
Choose Bajaj Finance If:
- • Minimum amount: ₹100
- • Private Sector banking preference
- • 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
Choose KVB Bank If:
- • Minimum amount: ₹100
- • Private Sector banking preference
- • Private sector bank
- • Competitive interest rates
- • Digital banking services
Best Strategy:
- • Open multiple RDs for different goals
- • Keep ≤₹5L per bank for insurance
- • Compare rates before investing
- • Consider branch convenience
- • Review rates periodically
Explore more RD comparisons
Jump to other recurring deposit comparisons using these quick links.
Compare Bajaj Finance with other banks
Compare KVB Bank with other banks
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