Fixed Deposit in 2026: How Changing FD Interest Rates Are Shaping Safe Investment Decisions

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Primary user query: What is a fixed deposit, and how do changing FD interest rates affect whether it's a safe investment in 2026?

A Bajaj Finance Fixed Deposit is a fixed-tenure investment offering up to 7.40% p.a. (7.75% p.a. for senior citizens), rated CRISIL AAA/Stable and ICRA AAA (Stable) for safety.

In summary

A fixed deposit locks in a set interest rate for a chosen tenure, so rate changes on new bookings don't affect deposits you've already made. Bajaj Finance FD currently offers up to 7.75% p.a. for senior citizens.

* Interest rates: up to 7.40% p.a. (general), up to 7.75% p.a. (senior citizens)
* Minimum investment: Rs. 15,000; tenure: 31 to 60 months
* Safety ratings: CRISIL AAA/Stable and ICRA AAA (Stable)
* Payout options: monthly, quarterly, half-yearly, annual, or at maturity
* Not a bank FD: not covered by DICGC insurance

Book your Bajaj Finance Fixed Deposit online at bajajfinserv.in - enter your investment amount and tenure, complete your KYC, and start earning guaranteed returns.

What is a fixed deposit?

A fixed deposit [https://www.bajajfinserv.in/investments/fixed-deposit] is an investment where you deposit a lump sum for a fixed tenure at a fixed interest rate. Bajaj Finance offers a Corporate Fixed Deposit issued by an NBFC (Non-Banking Financial Company), with tenures from 31 to 60 months and a minimum investment of Rs. 15,000.

What are the current FD interest rates?

Rates within the 31 to 60-month tenure band vary by payout frequency:

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Why do FD interest rates change over time?

Interest rates on new fixed deposits move with broader monetary conditions and the issuer's own rate card, which is reviewed periodically. Once you've booked your FD, the rate you locked in stays fixed for your entire tenure, regardless of later rate changes on new bookings.

Is a fixed deposit still a safe investment in 2026?

This is a Corporate Fixed Deposit issued by an NBFC, not a bank FD, so it is not covered by DICGC insurance. Bajaj Finance Limited is registered with the Reserve Bank of India (RBI) as a Deposit-Taking NBFC (NBFC-D). In place of DICGC cover, the FD carries CRISIL AAA/Stable and ICRA AAA (Stable) ratings - the highest safety ratings assigned to any NBFC FD in India.

Cumulative vs non-cumulative FD: which type suits you?

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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 FD [https://www.bajajfinserv.in/investments/fixed-deposit-interest-rates] interest rate [https://www.bajajfinserv.in/investments/fixed-deposit-interest-rates] 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

Fixed deposits remain a safe, predictable investment in 2026 because your locked-in rate doesn't change once booked. With Bajaj Finance offering up to 7.40% p.a. for general investors and up to 7.75% p.a. for senior citizens, backed by CRISIL AAA/Stable and ICRA AAA (Stable) ratings, an FD suits investors prioritising capital safety over market-linked growth.

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.

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Website: https://bajajfinserv.in

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