But not all fixed deposits offer the same returns. If you’re planning to invest, knowing how to get the best FD interest rates can significantly boost your savings over time.

In this guide, we’ll walk you through practical tips and strategies to maximise returns—and introduce you to Bajaj Finance Fixed Deposits, which offer up to 6.95% p.a. for non-senior citizens and up to 7.30% p.a. for senior citizens.

A fixed deposit is a financial instrument where you invest a lump sum for a fixed tenure at a pre-agreed interest rate. The bank or financial institution pays you interest either periodically or at maturity.

With low risk and stable returns, fixed deposits are ideal for conservative investors and those saving for short- to medium-term goals.

Several factors influence the rate of interest you receive on your FD:

Bajaj Finance offers some of the most attractive FD rates in India—up to 7.30% p.a. for senior citizens.

Open a Bajaj Finance FD and enjoy assured growth on your savings.

Do not settle for the first FD offer you come across. Compare rates across:

Longer-tenure FDs usually offer better rates. If you won’t need the money soon, lock in for a few years to maximise returns.

Bajaj Finance FDs are available for tenures between 12 and 60 months, with flexible payout options.

Cumulative FDs let your interest earn interest. Ideal if you don’t need periodic payouts.

Instead of putting all your savings in one FD, divide them across multiple FDs with different maturities.

If you’re 60+, take advantage of higher interest rates specially designed for retirees.

Online booking can unlock additional interest or special offers. Bajaj Finance makes it easy to:

Book Your Bajaj Finance FD Online for attractive rates and a hassle-free experience.

If interest rates are rising, lock in higher rates with longer tenures.
In a falling cycle, go for short-term FDs and wait to reinvest later.

Keep an eye on RBI updates and financial news.

Some institutions offer better rates on renewals. Avoid lapses and earn uninterrupted interest by enabling auto-renewal. Always review the prevailing rate before renewing.

While maximising returns, don’t ignore these important considerations:

With smart planning and a few strategic choices, you can make your fixed deposit work harder for you. Compare rates, pick the right tenure, consider laddering, and book online for extra benefits.

In today’s unpredictable economic environment, a reliable fixed deposit—like the one from Bajaj Finance offering up to 7.30% p.a.—can bring stability and predictable returns to your portfolio.

Start your FD with Bajaj Finance today and secure high returns with guaranteed peace of mind. Book Now.

This article is part of HT's paid consumer connect initiative and is independently created by the brand. HT assumes no editorial responsibility for the content, including its accuracy, completeness, or any errors or omissions. Readers are advised to verify all information independently.

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