Independence Day is not only a time to honour India’s journey to freedom but also a reminder to reflect on one’s own financial independence. In 2025, with uncertainties in global markets and inflation continuing to impact purchasing power, stable financial planning has never been more important. For individuals looking to secure steady and assured returns, Fixed Deposits (FDs) remain one of the most reliable choices.

This Independence Day, consider celebrating your personal financial freedom by investing in a Fixed Deposit that offers competitive interest rates, flexible tenures, and safety of capital. With financial institutions like Bajaj Finance offering attractive FD options, now is an ideal time to compare the highest fixed deposit rates and plan your investments accordingly.

Why fixed deposits remain a preferred choice

Fixed Deposits are fixed-income instruments that offer guaranteed returns over a selected period. Unlike market-linked instruments such as mutual funds or equities, FDs are unaffected by market volatility. This makes them particularly appealing to conservative investors or those looking to balance risk in their portfolio.

Here are a few reasons why FDs continue to be relevant in 2025:

Predictable, stable returns
Flexible tenures ranging from 12 to 60 months
Safety of capital with high credit ratings
Regular or lump-sum interest payouts
Ease of investment through fully online and offline processes

Whether you are a salaried individual, a retiree, or a young investor planning long-term, a fixed deposit can be an ideal building block for financial stability.

A festive window for new financial beginnings

Independence Day this year is closely followed by Ganesh Chaturthi, a festival symbolising wisdom, prosperity, and new beginnings. It is an opportune time to make financial decisions that align with long-term stability. Choosing a fixed deposit during this festive period not only reflects prudent planning but also carries cultural significance—ushering in prosperity while securing future growth.

Bajaj Finance fixed deposit rates

Bajaj Finance offers one of the most competitive FD interest rate structures among non-banking financial institutions. These rates vary based on tenure and the investor’s age group (regular vs. senior citizen). The rates apply to deposits booked online for amounts between Rs. 15,000 and Rs. 3 crore.

FD rates for non-senior citizens

Tenure (in months)	At maturity (p.a.)	Monthly (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 rates for senior citizens

Senior citizens (aged 60 years and above) are eligible for an additional 0.35% p.a. interest over and above the standard rates, helping them earn higher returns with maximum safety.

Tenure (in months)	At maturity (p.a.)	Monthly (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 rates are valid for online investments and can be checked or confirmed before booking via the official Bajaj Finance platform.

Estimate your returns using the fixed deposit return calculator

Before investing, it is advisable to use a fixed deposit return calculator to plan your FD smartly. This online tool, available on the Bajaj Finserv website, helps you estimate:

Total interest earned
Maturity amount
Impact of different tenures and payout frequencies
Comparative earnings between cumulative and non-cumulative options

By adjusting variables such as deposit amount, tenure, and payout mode, you can visualise the exact returns you will receive at maturity—making your decision more informed and aligned with your financial goals.

Flexible payout options for diverse financial needs

Bajaj Finance FDs allow you to select how you want to receive your interest:

Cumulative option: Interest is paid at the end of the tenure along with the principal. This is ideal for long-term savers.
Non-cumulative option: Interest is paid monthly, quarterly, half-yearly, or annually. This suits investors seeking regular income, such as retirees.

This flexibility allows you to plan your cash flow, whether you are building a corpus or managing living expenses.

Online convenience and high safety

Booking a fixed deposit with Bajaj Finance is fully digital. From entering basic details to completing your KYC and making payments, everything can be done online in a matter of minutes.

Key features include:

Minimum investment: Rs. 15,000
Maximum investment: Up to Rs. 3 crore online
Tenure range: 12 to 60 months
Renewal facility: Option to renew principal, or principal + interest, upon maturity
Ratings: [ICRA]AAA(Stable) and CRISIL AAA/STABLE—indicating highest safety

These factors ensure that your money is both protected and productive, with zero exposure to market risk.

Documents required and eligibility

To invest in a Bajaj Finance FD, the basic eligibility and documentation include:

Eligibility: Indian residents (individuals and senior citizens), companies, HUFs
Documents: PAN card, one KYC document (Aadhaar, Passport, Voter ID, or Driving Licence)

NRIs and other eligible non-residents can inquire through official Bajaj channels.

Conclusion: Celebrate with a step towards financial independence

This Independence Day, take a meaningful step towards achieving your financial goals. Investing in a fixed deposit is not just a safe strategy—it is a symbol of discipline and long-term planning. By comparing the highestfixed deposit rates and using a fixed deposit return calculator, you can make a well-informed decision that matches your risk appetite and financial timeline.

Whether you are saving for a milestone, building an emergency fund, or simply looking to preserve capital, Bajaj Finance Fixed Deposits offer the right mix of safety, flexibility, and returns. Let this August be about more than celebration—let it be a declaration of your financial freedom.