While India prepares to celebrate its 78th day of independence, conversations about financial freedom occupies the center of the stage. For many, this national landmark is more than a patriotic celebration – it is the ideal time to reevaluate personal financial goals and investments.
In 2025, with market -linked investments facing occasional volatility and persistent inflation concerns, fixed deposits (FDS) continue to maintain a strong appeal. Their safety, guaranteed returns and flexible mandates make them a reliable option for a wide range of investors – from young professionals to retirees.
This article provides a detailed overview of the latest FD rates, highlights one of the best rating broadcasters in the segment and explains how to use a fixed deposit calculator to effectively plan their returns.
Why fixed deposits remain relevant in 2025
Fixed deposits are considered one of the safest and most predictable investment options in India. With capital protection, guaranteed interest and no exposure to market risks, they serve as a constant savings instrument for those who prioritize reliability in relation to high -risk returns.
Here is why FDs remain a preferred choice this year:
- Guaranteed income: You know exactly how much you will receive at maturity
- Flexible interest payouts: Choose between cumulative and non-cumulative options
- Tenure flexibility: Invest for as short as 12 months or as long as 60 months
- Digital convenience: Open and manage your FD entirely online
- High safety ratings: Certain NBFCs like Bajaj Finance hold top-tier ratings, ensuring capital safety
A festive window for new financial beginnings
This year, Independence Day closely coincides with Ganesh Chaturthi, making August 2025 an ideal time to begin something new—both spiritually and financially. While Ganesh Chaturthi symbolises prosperity, wisdom, and auspicious beginnings, combining it with a smart investment like an FD reflects both cultural and practical foresight.
Whether it is your first step into financial planning or part of a broader portfolio, investing in a fixed deposit during this period aligns well with the themes of long-term security and responsible independence.
Bajaj Finance FD rates
Bajaj Finance is among the most trusted names in the NBFC space, known for offering some of the most competitive FD rates in India. The interest rates differ based on the tenure of investment and the age category of the depositor.
FD rates for non-senior citizens
The following rates are applicable for customers below the age of 60, for deposit amounts from Rs. 15,000 to Rs. 3 crore:
| 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
Customers above 60 years of age are eligible for an additional interest rate of up to 0.35% p.a. across all tenures.
| 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 available exclusively for deposits made online through the Bajaj Finserv website or app. They apply to fresh deposits as well as renewals within the eligible deposit bracket.
How to use a fixed deposit calculator
Before investing, it is advisable to use a fixed deposit calculator to estimate returns based on your investment amount, tenure, and payout frequency.
Here is how it helps:
- Visualise maturity value: You can see exactly how much your investment will grow over time
- Compare interest options: Understand the impact of monthly, quarterly, or annual payouts
- Select optimal tenure: Choose the term that offers the best balance between liquidity and returns
- Assess suitability: Compare cumulative vs. non-cumulative returns based on your cash flow needs
Most calculators require you to input three values: investment amount, interest payout frequency, and tenure. The tool then auto-generates the maturity value and total interest earned.
Booking your FD online: Quick and paperless
Opening a Bajaj Finance Fixed Deposit can be done in just a few steps:
- Visit the official website or app
- Click on ‘Open FD’ and provide your mobile number for OTP verification
- Enter the deposit amount, preferred tenure, and payout option
- Complete KYC using Aadhaar and PAN via DigiLocker or CKYC
- Make your payment using NetBanking, UPI, NEFT, or RTGS
An e-FD receipt and Fixed Deposit Acknowledgement (FDA) are sent via email within three working days. You can also choose to set maturity instructions in advance for easy renewal or withdrawal.
Eligibility and documents required
To invest in a Bajaj Finance FD, the following eligibility and documents are applicable:
- Eligible applicants:
- Resident individuals (including senior citizens)
Companies and HUFs
- NRIs (via NRI FD channel)
- Resident individuals (including senior citizens)
- Documents required:
- PAN card
- Any one valid KYC document: Aadhaar, Passport, Voter ID, or Driving Licence
- PAN card
All bookings should be completed through official online channels to reach the listed interest rates.
Conclusion: Secure your financial freedom
In a year marked by reflection, celebration and opportunity, securing your financial freedom is one of the most powerful steps you can take.
August 2025 is an ideal time to make a step, with FD rates offering Competitive High and platforms such as Bajaj Finance such as Bajaj Finance. Whether you are building future funds, separating emergency reserves, or simply looking for a safe place to increase your savings, fixed deposits carry forward a stable and structured path.
This Independence Day- and as we welcome Ganesh Chaturthi- only in ceremonies, but in stability, security and long-term development. Use a fixed deposit calculator, compare returns, and make an informed decision that is aligning with your financial goals.
Mark your individual milestone to this festival season towards financial freedom.
