FD Rates in July 2026: A Complete Breakdown of Fixed Deposit Interest Rates Across Tenures
What are the current FD rates, and how do they vary by tenure and payout frequency?
BRAND CONNECT
July 18, 2026 / 11:36 IST
Bajaj Finance FD rates in July 2026 go up to 7.40% p.a. for general investors and up to 7.75% p.a. for senior citizens, across a 31 to 60-month tenure.
In summary
FD rates vary by tenure and by how often you receive your payout, so it pays to check the full breakdown before booking. Bajaj Finance’s 31 to 60-month tenure carries rates up to 7.75% p.a.
- Interest rates: up to 7.40% p.a. (general), up to 7.75% p.a. (senior citizens)
- Tenure range: 31 to 60 months; minimum investment: Rs. 15,000
- Payout options: monthly, quarterly, half-yearly, annual, or at maturity
- Senior citizen benefit: additional 0.35% p.a. over the general rate
- Safety ratings: CRISIL AAA/Stable and ICRA AAA (Stable)
Calculate your returns with the FD calculator at bajajfinserv.in and book your Fixed Deposit in minutes.
What are the current Bajaj Finance FD rates?
Bajaj Finance offers a single tenure band of 31 to 60 months, with rates set by payout frequency:
| Payout frequency | General rate (p.a.) | Senior citizen rate (p.a.) |
| At maturity | 7.40% | 7.75% |
| Monthly | 7.16% | 7.49% |
| Quarterly | 7.20% | 7.53% |
| Half-yearly | 7.27% | 7.61% |
| Annual | 7.40% | 7.75% |
What tenure options does Bajaj Finance FD offer?
Bajaj Finance Fixed Deposit tenures range from 31 to 60 months. You choose your exact tenure within this window when booking, and the rate applicable to that tenure stays fixed for the full term regardless of later rate revisions.
How do rates vary by payout frequency within your tenure?
At-maturity and annual payouts carry the highest annualised rate at 7.40% p.a. general and 7.75% p.a. senior citizen. Monthly payouts carry a marginally lower rate because interest is disbursed more frequently, followed by quarterly and half-yearly in ascending order.
How do senior citizens get better FD rates?
Investors aged 60 and above receive an additional 0.35% p.a. over the prevailing general rate, applied automatically once age is verified through KYC, across every payout frequency shown above.
Cumulative vs non-cumulative FD: which payout structure fits your goal?
| Feature | Cumulative FD | Non-Cumulative FD |
| Interest payout | Compounded, paid at maturity | Paid periodically (monthly, quarterly, half-yearly, annual) |
| Best for | Lump-sum goals | Regular income needs |
| Loan against FD | Up to 75% of FD amount | Up to 60% of FD amount |
How do you book a Fixed Deposit online with Bajaj Finance?
Booking an FD online takes under 10 minutes. Complete your application entirely from bajajfinserv.in — no branch visit required for existing customers.
- Visit bajajfinserv.in/investments/fixed-deposit and click ‘Invest Now’ or ‘Open FD’.
- Enter your mobile number and validate with the OTP sent to your registered number.
- Enter your investment amount (minimum Rs. 15,000) and select your preferred tenure (31 to 60 months).
- Choose your FD type: Cumulative (interest paid at maturity) or Non-Cumulative (periodic interest payout).
- If Non-Cumulative, select your payout frequency: monthly, quarterly, half-yearly, or annual.
- Complete your KYC: provide PAN, Aadhaar or other valid address proof, and bank account details for maturity proceeds.
- Review the applicable interest rate and projected maturity amount using the FD calculator.
- Confirm and submit your application. Your FD will be booked and a confirmation will be sent to your registered email and mobile.
TDS will be deducted if total interest credited in a financial year exceeds Rs. 5,000. TDS rate: 10% (with PAN) or 20% (without PAN). Premature withdrawal is subject to applicable penalties. Bajaj Finance Limited is a registered NBFC-D with the Reserve Bank of India. This FD is not covered under DICGC insurance.
Conclusion
The full FD rates breakdown shows Bajaj Finance topping out at 7.40% p.a. for general investors and 7.75% p.a. for senior citizens within its 31 to 60-month tenure, with at-maturity and annual payouts earning the highest annualised return. Backed by CRISIL AAA/Stable and ICRA AAA (Stable) ratings, these rates apply from a minimum investment of Rs. 15,000.
Disclaimer: Fixed Deposits offered by Bajaj Finance Limited are subject to the terms and conditions specified at the time of booking. Bajaj Finance Limited is registered with the Reserve Bank of India as a Deposit-Taking Non-Banking Financial Company (NBFC-D). These deposits are not insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) and are not covered under any deposit insurance scheme applicable to bank deposits. Credit ratings of CRISIL AAA/Stable and [ICRA]AAA(Stable) indicate the highest degree of safety with regard to timely payment of interest and principal but do not constitute a recommendation to buy, sell, or hold the instrument. Interest rates are subject to change and are applicable as per the rate card in effect on the date of investment. TDS will be deducted as per applicable tax laws. Please read all scheme-related documents carefully before investing.
Moneycontrol journalists were not involved in the creation of the article.