Dhanteras is when many of us tidy up money matters, plan big goals, and set aside something for the future. If you want a dependable place for your festive savings, a Bajaj Finance Fixed Deposit can be a practical choice. You lock in a competitive FD interest rate, pick a tenure that suits your goal, and watch your money grow without fretting about market swings.
Senior citizens get an even better FD interest rate, and you can choose between non-cumulative and cumulative options as per your cash flow requirements.
Why should you book a Bajaj Finance FD this Dhanteras?
- Predictable growth: You know the maturity value at the outset because the FD interest rate is fixed for the whole tenure. Investors below 60 can avail of interest rates of up to 6.95% p.a., while senior citizens enjoy preferential rates of up to 7.30% p.a., depending on tenure and payout option.
- Flexible investment terms: The investment period can range from 12 to 60 months. Thus, you can book an FD based on specific goals, such as buying a two-wheeler within two years or funding your child’s education in five years.
- Highest safety ratings: Bajaj Finance Fixed Deposits are backed by AAA/Stable ratings from CRISIL and ICRA, further reassuring you of the safety of your corpus.
Tip: Use the FD return calculator to compare tenures and payout modes in seconds before you book.
What returns could you see?
Let us look at a simple illustration:
| Deposit (Rs.) | Tenure | Illustrative FD interest rate (p.a.) | Payout | Approx. maturity value (Rs.)* |
| 1,00,000 | 36 months | 6.95% | At maturity | 1,22,333 |
| 3,00,000 | 48 months | 6.95% | At maturity | 3,92,504 |
| 5,00,000 | 60 months | 6.95% | At maturity | 6,99,639 |
| 3,00,000 (Senior) | 36 months | 7.30% | At maturity | 3,70,613 |
Note: These figures are for illustrative purposes only
As you can see from the table above, investors can earn handsome returns by parking their surplus funds in a Bajaj Finance FD.
Make the FD work harder for your goals
- Ladder your deposits: Instead of one big FD, split into 3–4 FDs with staggered maturities (say 18, 30, 42, and 60 months). This provides periodic liquidity and allows you to reinvest at the then-prevailing FD interest rate.
- Match cash flows with payouts: If you want regular income (for rent top-ups or utility bills), choose non-cumulative options with regular payouts.
- Goal tagging: Open separate FDs for near-term (insurance premium next year), medium-term (holiday fund), and long-term (home renovation) goals. Keeping separate goals reduces the urge to break an FD early.
Senior citizens: Unlock more from your savings
A senior citizen FD with Bajaj Finance offers a higher FD interest rate (currently up to 7.30% p.a.) and the convenience of regular payouts if you want income, or cumulative growth if you prefer a lump sum later. Use the Fixed Deposit calculator to see the difference in the maturity value over 3–5 years by booking a senior citizen FD.
How to choose your tenure?
Here’s how you can choose your FD tenure:
- 12–24 months: If you expect to use the funds soon or think FD interest rates may rise later.
- 24–48 months: A balance between yield and flexibility.
- Up to 60 months: Maximise compounding if you don’t need liquidity. Compare cumulative vs. non-cumulative options using the FD return calculator before deciding.
The Dhanteras “festival-to-goal” playbook
Turn the spirit of shubh muhurat into a practical money habit with three quick moves you can finish in under 15 minutes.
1. Ring-fence your bonus before you spend it
Open one Bajaj Finance FD purely for near-term needs (insurance premium or phone purchase) and a second for a larger goal (home upgrade or car down payment). Naming each FD by the goal reduces impulse spending and keeps you focused. Because the FD interest rate is fixed, you know exactly what each pot will grow to at maturity.
2. Build a “festival ladder” instead of one big deposit
Split your amount across several FDs with different tenures. This ladder gives you liquidity every 12–18 months, avoids premature-withdrawal penalties, and lets you reinvest each maturity at the then-prevailing FD interest rate. If rates rise later, part of your money can catch the higher level.
3. Choose your cash flow style upfront
If you want a monthly income to offset EMIs or rent, pick non-cumulative payouts. If you prefer growth, pick cumulative and let compounding work quietly. Try both flows on the FD return calculator. Seeing the maturity value and periodic interest side by side makes the decision easy.
Final thoughts
If you are setting aside a festive bonus or moving idle cash from a savings account, a Bajaj Finance Fixed Deposit can convert it to steady growth at a competitive FD interest rate. The tenures are designed around your goals, while these fixed deposits are backed by the highest credit ratings. Run the FD return calculator, pick your tenure and payout, and book online, so your Dhanteras decision keeps working for you long after the diyas are out.