Whereas India prepares to rejoice its 78th day of independence, conversations about monetary freedom occupies the middle of the stage. For a lot of, this nationwide landmark is greater than a patriotic celebration – it’s the splendid time to reevaluate private monetary targets and investments.
In 2025, with market -linked investments going through occasional volatility and protracted inflation considerations, mounted deposits (FDS) proceed to keep up a powerful attraction. Their security, assured returns and versatile mandates make them a dependable possibility for a variety of buyers – from younger professionals to retirees.
This text offers an in depth overview of the newest FD charges, highlights among the finest score broadcasters within the section and explains tips on how to use a set deposit calculator to successfully plan their returns.
Why mounted deposits stay related in 2025
Fastened deposits are thought-about one of many most secure and most predictable funding choices in India. With capital safety, assured curiosity and no publicity to market dangers, they function a continuing financial savings instrument for individuals who prioritize reliability in relation to excessive -risk returns.
Right here is why FDs stay a most well-liked alternative this yr:
- Assured earnings: precisely how a lot you’ll obtain at maturity
- Versatile curiosity payouts: Select between cumulative and non-cumulative choices
- Tenure flexibility: Make investments for as brief as 12 months or so long as 60 months
- Digital comfort: Open and handle your FD fully on-line
- Excessive security rankings: Sure NBFCs like Bajaj Finance maintain top-tier rankings, guaranteeing capital security
A festive window for brand new monetary beginnings
This yr, Independence Day intently coincides with Ganesh Chaturthi, making August 2025 a perfect time to start one thing new—each spiritually and financially. Whereas Ganesh Chaturthi symbolises prosperity, knowledge, and auspicious beginnings, combining it with a sensible funding like an FD displays each cultural and sensible foresight.
Whether or not it’s your first step into monetary planning or a part of a broader portfolio, investing in a set deposit throughout this era aligns nicely with the themes of long-term safety and accountable independence.
Bajaj Finance FD charges
Bajaj Finance is among the many most trusted names within the NBFC area, identified for providing among the best FD charges in India. The rates of interest differ primarily based on the tenure of funding and the age class of the depositor.
FD charges for non-senior residents
The next charges are relevant for purchasers under the age of 60, for deposit quantities from Rs. 15,000 to Rs. 3 crore:
| Tenure in months | At maturity (p.a.) | Month-to-month (p.a.) | Quarterly (p.a.) | Half yearly (p.a.) | Annual (p.a.) |
| 12 – 14 | 6.60% | 6.41% | 6.44% | 6.49% | 6.60% |
| 15 – 23 | 6.75% | 6.55% | 6.59% | 6.64% | 6.75% |
| 24 – 60 | 6.95% | 6.74% | 6.78% | 6.83% | 6.95% |
FD charges for senior residents
Clients above 60 years of age are eligible for a further rate of interest of as much as 0.35% p.a. throughout all tenures.
| Tenure in months | At maturity (p.a.) | Month-to-month (p.a.) | Quarterly (p.a.) | Half yearly (p.a.) | Annual (p.a.) |
| 12 – 14 | 6.95% | 6.74% | 6.78% | 6.83% | 6.95% |
| 15 – 23 | 7.10% | 6.88% | 6.92% | 6.98% | 7.10% |
| 24 – 60 | 7.30% | 7.07% | 7.11% | 7.17% | 7.30% |
These charges can be found completely for deposits made on-line by the Bajaj Finserv web site or app. They apply to contemporary deposits in addition to renewals inside the eligible deposit bracket.
Tips on how to use a set deposit calculator
Earlier than investing, it’s advisable to make use of a set deposit calculator to estimate returns primarily based in your funding quantity, tenure, and payout frequency.
Right here is the way it helps:
- Visualise maturity worth: You possibly can see precisely how a lot your funding will develop over time
- Examine curiosity choices: Perceive the influence of month-to-month, quarterly, or annual payouts
- Choose optimum tenure: Select the time period that provides the perfect stability between liquidity and returns
- Assess suitability: Examine cumulative vs. non-cumulative returns primarily based in your money circulate wants
Most calculators require you to enter three values: funding quantity, curiosity payout frequency, and tenure. The software then auto-generates the maturity worth and complete curiosity earned.
Reserving your FD on-line: Fast and paperless
Opening a Bajaj Finance Fastened Deposit could be accomplished in just some steps:
- Go to the official web site or app
- Click on on ‘Open FD’ and supply your cellular quantity for OTP verification
- Enter the deposit quantity, most well-liked tenure, and payout possibility
- Full KYC utilizing Aadhaar and PAN by way of DigiLocker or CKYC
- Make your cost utilizing NetBanking, UPI, NEFT, or RTGS
An e-FD receipt and Fastened Deposit Acknowledgement (FDA) are despatched by way of electronic mail inside three working days. You may as well select to set maturity directions upfront for simple renewal or withdrawal.
Eligibility and paperwork required
To put money into a Bajaj Finance FD, the next eligibility and paperwork are relevant:
- Eligible candidates:
- Resident people (together with senior residents)
Corporations and HUFs
- NRIs (by way of NRI FD channel)
- Resident people (together with senior residents)
- Paperwork required:
- Anybody legitimate KYC doc: Aadhaar, Passport, Voter ID, or Driving Licence
All bookings ought to be accomplished by official on-line channels to achieve the listed rates of interest.
Conclusion: Safe your monetary freedom
In a yr marked by reflection, celebration and alternative, securing your monetary freedom is among the strongest steps you possibly can take.
August 2025 is a perfect time to make a step, with FD charges providing Aggressive Excessive and platforms resembling Bajaj Finance resembling Bajaj Finance. Whether or not you’re constructing future funds, separating emergency reserves, or just searching for a protected place to extend your financial savings, mounted deposits carry ahead a secure and structured path.
This Independence Day- and as we welcome Ganesh Chaturthi- solely in ceremonies, however in stability, safety and long-term improvement. Use a set deposit calculator, evaluate returns, and make an knowledgeable resolution that’s aligning together with your monetary targets.
Mark your particular person milestone to this pageant season in the direction of monetary freedom.