Highest Interest Rate FD Schemes in India from Bajaj Finance FD

Highest Interest Rate FD Schemes in India from Bajaj Finance FD
Highest Interest Rate FD Schemes in India from Bajaj Finance FD

In recent times, we all have witnessed how turbulent economic conditions can wipe out the entire savings of individuals especially when it comes to market-linked instruments like the stock market and mutual funds. Therefore, it is better to diversify your investment portfolio and invest in stable instruments like fixed deposits as their returns remain unaffected by changing market conditions. 

However, to receive the maximum returns after investing in an FD, you would need to find an FD scheme that offers the highest interest rate. One such scheme is offered by Bajaj Finance where you would get up an interest rate of up to 6.85%. Apart from providing the highest fixed deposit interest rates in India, you will also be able to cash-in other benefits like easy investment methods, flexible tenor, simple withdrawal norms, etc. Let us see some of the major benefits of this FD scheme:

Online investment method

The option of online investment allows you to invest seamlessly in its FD plans. An online cKYC procedure is also available for completing the document verification procedure. You will get an additional interest rate of 0.10% for investing via the online FD form.

Senior citizens get a 0.25% additional FD rate. To check how these additional FD rates can affect your returns, you can use the FD calculator.

Ideal investment plan

Bajaj Finance FD gives you the flexibility of choosing a tenor from 12 to 60 months and you can deposit a minimum amount of Rs. 25000 to invest in any of its FD plans.

Its multi-deposit facility enables you to invest in more than one FD at once. It enables you to ladder your deposits so that you can get more liquidity options. Also, laddering provides steady growth for your deposits by balancing the changing FD rates across multiple FD types and plans. 

FDs for NRIs

NRI i.e. Non-resident Indians can now invest their savings in Bajaj Finance FD. For that, they will need to open an NRO (Non-resident Ordinary) account as funds can be deposited in the FD plan from this account only.

An FD tenor ranging from 12 to 36 months can be selected and the high-interest rate offered to NRIs enables them to diversify their investment portfolio. 


If you are looking for an instrument that offers the stability of fixed deposits and easy investment methods like SIPs (mutual funds) then you can think of investing in SDP (Systematic Deposit Plan). It is a monthly deposit plan where you can park Rs. 5000 or more in the SDP account on the 3rd, 7th, or 12th of every month. 

You can choose to lock-in each deposit for a period of up to 60 months or all your deposits can mature on the same date as per your convenience. A total of 6 to 48 deposits can be made and each deposit will grow at an interest rate that prevails on the date of deposit. 

Bajaj Finance FD has received MAAA/stable rating from ICRA and FAAA/stable rating from CRISIL. Therefore, you can rest assured of your invested amount.

It is better to invest in a stable instrument like a fixed deposit as it gives you fixed returns upon maturity. However, to earn better returns, you will need to find a deposit scheme like Bajaj Finance that provides an FD interest rate of up to 6.85%. Apart from that, you also get a flexible tenor ranging from 12 to 60 months and an easy online investment option. Senior citizens get a 0.25% additional FD interest rate and regular citizens can avail of a 0.10% extra FD rate on choosing the online mode of investment. On top of that, you can also receive the benefits of FD without investing a bulk amount through its Systematic Deposit Plan.