Earn interest up to 8.60% p.a. by investing in a Bajaj Finance Fixed Deposit | Rated CRISIL AAA/ STABLE and [ICRA]AAA(stable) Invest Now

If you want maximum returns with low risk, a fixed deposit is an ideal investment option. An FD is unaffected by any market fluctuations, and thereby, is a simple investment tool with assured returns. Investing in a Bajaj Finance FD can help grow your savings as it offers attractive interest rates along with several other facilities.


Coming to its facilities, you can also invest your gratuity funds in Bajaj Finance FD and earn a good FD interest over it. But is it a good idea to invest gratuity funds in Bajaj Finance FD? Before we delve into that, let’s first understand what is gratuity fund and how it work.

Gratuity Fund Meaning; How Does it Work?

A gratuity fund is a compulsory lump sum amount that employers give to their workers under the Gratuity Act, 1972. It is given to you as an employee for your dedicated years of service. You earn it as a benefit when you decide to shift or retire from the job. Any organisation that operates with at least 10 employees since the past financier year is liable to pay gratuity funds to those employees who have completed at least five years of continuous service in the same organisation.


The calculation of a gratuity fund and the final amount is dependent upon the last drawn salary and years of service in the organisation. As mentioned above, this gratuity fund is given when you as an employee retire or leave the job. Gratuity funds can also be given earlier in case of death or disability. Further, you also have the right to know the amount of gratuity fund you will be receiving.

gratuity funds bajaj fd

Why Invest Gratuity Funds in Bajaj Finance FD?

In most cases, gratuity funds are your life savings as they are earned at the time of retirement or shifting a job. If you invest in a gratuity fund, it can get you additional earnings. However, you might be wary of investing them in high-risk investments.


Gratuity funds can earn you attractive interest income if invested in a Bajaj Finance FD. Interestingly, your amount will also be safe as a fixed deposit is one of the safest investment options. Moreover, Bajaj Finance FD has an FAAA/Stable rating from CRISIL and MAAA (Stable) rating from ICRA, indicating that you will not face any troubles while receiving your interest income.

Final Thoughts

The interest rates for Bajaj Finance FD are as high as 8.35% p.a. with an additional rate of 0.25% for senior citizens. This makes it one of the highest interest rates available in the market. The tenor of investment ranges from 12 to 60 months and you can choose to get the interest payout at maturity or in flexible periodic payout options of monthly, quarterly, half-yearly or annually. You do not have to worry about a larger corpus as a fixed deposit at Bajaj Finance can be started with an amount as low as ₹15,000. With an easy online application process, you can easily invest gratuity funds in Bajaj Finance FD and make the most out of it.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs 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. 

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. 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. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products. 

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Your money is locked in for a specific period in a fixed deposit and you earn an interest income over the invested money. This interest income along with invested corpus is paid to you at the time of maturity.

No, gratuity fund and employee provident fund are not the same. Employee provident fund consists of employee’s contribution. On the other hand, gratuity fund is entirely paid by the employer.

You can get your gratuity amount at the time of retirement or leaving the organisation. Early payment of gratuity is also done in the case of death or disability.

Yes, according to the laws of the Government of India, it is mandatory for an employer to pay the gratuity amount within 30 days.

No, an employee will not be eligible to receive gratuity funds if he/she has worked in the organisation for 4.5 years. You will have to complete at least 5 years of service in the organisation to receive a gratuity fund.

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