Bajaj Finance FD Calculator

Deposit Amount

Interest Rate



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At Maturity
At Maturity
Half Yearly

Investment Amount

Interest Rate

Total Interest Amount

Total Payout (Principal + Interest)

Get Returns up to 8.85%* p.a.

Fixed deposits are one of the popular investment instruments that allow you to grow your wealth risk-free. With an FD, you can securely park your funds for a predetermined period and earn stable returns through high interest rates. Many financial institutions offer fixed deposits. 


Among these is Bajaj Finance, a non-banking financial company (NBFC). The Bajaj Finance FD interest rates go up to 8.60% per annum, allowing you to earn handsomely. By making use of tools such as the Bajaj Finance FD calculator, you can plan your investment seamlessly.


This tool allows you to get an instant estimate of your returns based on your investment terms, making your investment journey smooth and stress-free.

How to Use a Bajaj Finance FD Calculator

The Bajaj Finance FD calculator is easy to use. All you have to do is follow three simple steps to get an estimate of the amount you will receive at maturity. 

  • Step 1: Fill in the investment amount

  • Step 2: Choose the prevailing Bajaj Finance fixed deposit rates

  • Step 3: Enter your preferred investment tenor


Once you enter your investment terms, the maturity amount that you will get at the end of your tenor will be displayed on the screen. You could also try variations of the deposit amount, rate of interest and tenor to find the terms that best meet your goals. 


You can also calculate the maturity amount manually using the formulae for simple and compound interest. 


In case of simple interest, the formula for interest calculation is as follows: 


M = P + (P x r x t/100)

In case of compounding interest, the interest is calculated using the formula given below:


M = P + P [(1 + r/100) ^(t) - 1]

In both the cases, 

M = Maturity Amount

P = Deposit Amount

r = Interest Rate

t = Tenor

Let us use the formula to estimate how much interest you will earn with a deposit of ₹1 Lakh at an interest rate of 6% for a tenor of 5 years.

(i) For an FD with simple interest calculation: 

M = P + (P x r x t/100)

M= 1,00,000 + (1,00,000 x 6 x 5/100)

M= 1,30,000

Here you gain an interest return of ₹30,000 at maturity that brings your principal amount to a total of ₹1,30,000.

(ii) For an FD with interest compounding annually:

M = P + P [(1 + r/100) ^(t) - 1]

M= 1,00,000 + 1,00,000 [(1+ 6/100) 5 - 1]

M= 1,33,822

In this case, you gain a return of ₹33,822 that hikes your initial deposit amount to ₹1,33,822. 

How Can a Bajaj Finance FD Calculator Help You?

A sound financial plan is imperative to meeting your future goals. The Bajaj Finserv calculator helps forecast your maturity amount based on your preferred tenor, investment amount and prevailing interest rates. 


With the approximate values of your returns, you can plan your investment and choose a tenor and interest rate that caters to your financial requirements. 


In simple terms, the calculator gives you a clear understanding of how to strategize a plan of action to build your corpus. 

Return Comparison

Your return from an FD varies depending on various factors such as interest rates, investment amount, tenor, and interest payout frequency. It also changes based on whether you are a senior citizen or a regular investor. 


Given below is a table of returns comparing the returns of the Bajaj Finance FD scheme and FDs from other top financial institutions. 


Take a look at the results for an investment of ₹1,00,000 in a cumulative FD for a tenor of 60 months. Let us also assume the investor is a non-senior citizen investor. 

FD Issuer

Interest rates

Interest amount

Maturity amount

Bajaj Finance

8.10% per annum



Mahindra Finance

8.10% per annum



PNB Housing Finance

7.80% per annum




6.75% per annum



SBI Bank

6.25% per annum



How Does the Bajaj Finance FD Calculator Work?

Deposit Amount

This is the principal amount you invest in a fixed deposit. This amount determines the final interest you earn.

Rate of Interest

The interest rate you get plays a pivotal role in the returns you earn. It changes based on your age as well as the tenor and type of fixed deposit. Remember, the higher the interest rate, the higher y Read Moreour returns will be. Read Less


This is the duration for which you invest in a fixed deposit. You can choose the tenor that best suits your financial goals. 

Type of FD

Based on your preferred payout frequency, you can either opt for a cumulative or a non-cumulative FD. A cumulative FD pays your interest returns all together at the end of the tenor. It can help you fulfill long-term financial goals with ease. 

Read More


For a regular source of income, you can opt for a non-cumulative FD. This allows you to receive interest returns every month, three months, six months, or twelve months. 

Remember, in a non-cumulative fixed deposit, you will earn at lower rates as compared to a cumulative FD. This is because Bajaj Finance FD rates are higher for cumulative deposits that offer payouts at maturity. 

Read Less

Benefits of Bajaj Finance FD Calculator

Top benefits of the Bajaj Finance fixed deposit calculator are: 

  • Access it easily online and use it for free 

  • Use it hassle-free thanks to its user-friendly format 

  • Get instant, accurate results every time 

  • Avoid manual errors and save time as well as effort 

  • Use it multiple times and on the go 

  • Tailor your investment to suit your needs based on its results 

Bajaj Finance Fixed Deposit Calculation for 5 years

The Bajaj Finance FD calculator helps you plan your finances enabling you understand which investment amount and tenor aligns with your goals.


Here’s a table that gives you an idea of the returns you will receive if you invest ₹1 Lakh for a tenor of 5 years. 


Interest Earned by Non-Senior Citizens 

Maturity Amount for Non-Senior Citizens

Interest Earned by Senior Citizens 

Maturity Amount for Senior Citizens 

1st  year

₹ 7,400

₹ 1,07,400

₹ 7,650

₹ 1,07,650

2nd year


₹ 1,15,670

₹ 8,558

₹ 1,16,208

3rd year 

₹ 10,155

₹ 1,26,146

₹ 10,816

₹ 1,27,024

4th year

₹ 10,155

₹ 1,36,301

₹ 10,544

₹ 1,37,567

5th year 

₹ 10,972

₹ 1,47,273

₹ 11,418

₹ 1,48,985


“The information provided by BFDL herein above is related to the Group Company and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. in the content mentioned hereinabove, as well as offers by the Group Companies. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED.”

FAQs about the Bajaj Finance FD Calculator

Is the Bajaj Finance FD calculator free?

Yes, the Bajaj Finance FD calculator is free of cost and can be used any number of times.

How does the Bajaj Finance FD Calculator calculate interest?

The Bajaj Finance FD calculator uses the simple and compounding interest formula based on which FD you choose. It computes results based on the investment amount, tenor and interest rate.

What is the Bajaj Finance FD Calculator's compounding principle?

In the cumulative Bajaj Finance FD scheme, the interest is compounded annually and paid out on maturity.

Who can use Bajaj Finance FD Calculator?

The online calculator is available for everyone’s use with no restrictions. Its simple design caters to both experienced and new investors.

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