How Bajaj Finserv FD Tenure Affects Interest Rates And Returns?
Fixed Deposits (FDs) remain one of the most reliable investment options for individuals who want stable growth with minimal risk. Bajaj Finserv, one of India’s leading financial institutions, offers highly competitive FD schemes across the country, including in Gurugram. When evaluating Bajaj FD rates in Gurugram, one of the most important factors that determine your returns is the tenure of your fixed deposit.
This article explains how FD tenures influence interest rates and returns, with updated calculations based on the latest Bajaj Finserv FD rates.
Understanding FD Tenures and Interest Rates
Tenure refers to the duration for which your funds stay locked in an FD. Bajaj Finserv provides flexible tenure options ranging from 12 months to 60 months (5 years), giving investors in Gurugram the freedom to align deposits with their financial goals while taking advantage of competitive Bajaj FD rates in Gurugram.
- Short-term FDs (12–14 months): Moderate interest rates of around 6.60% for general citizens.
- Medium-term FDs (15–23 months): Slightly higher rates, up to 6.75% (7.10% for senior citizens).
- Long-term FDs (24–60 months): The most rewarding, offering up to 6.95% for general citizens and 7.30% for senior citizens.
Bajaj FD Rates in Gurugram (June 2025)
Bajaj Finserv offers uniform FD rates across India, which also apply to Gurugram, including localities like Sector 28.
| Tenure | General Citizens (p.a.) | Senior Citizens (p.a.) |
|---|---|---|
| 12–14 months | 6.60% | 6.95% |
| 15–23 months | 6.75% | 7.10% |
| 24–60 months | 6.95% | 7.30% |
👉 Senior citizens enjoy an extra 0.35% benefit, making FDs an attractive choice for retirees in Gurugram.
Example: Returns on a ₹5,00,000 FD in Gurugram
Here’s how your FD grows, depending on tenure:
For General Citizens
- 1-Year FD at 6.60%
Interest = ₹33,000 → Total = ₹5,33,000 - 5-Year FD at 6.95% (simple)
Interest = ₹ 1,99,639→ Total = ₹ 6,99,639
For Senior Citizens
- 1-Year FD at 6.95%
Interest = ₹34,750 → Total = ₹5,34,750 - 5-Year FD at 7.30% (simple)
Interest = ₹ 2,11,162→ Total = ₹ 7,11,162
Why FD Tenure Selection Matters in Gurugram
Choosing the right FD tenure is crucial for residents in Gurugram to balance liquidity and returns:
- Liquidity Needs – Shorter tenures offer quicker access to funds.
- Maximised Returns – Longer tenures provide the benefit of compounding.
- Tax Impact – Interest earned is taxable; higher tenure = higher accrual.
- Local Relevance – In business hubs like Gurugram’s Sector 28, investors often balance short-term liquidity with long-term wealth creation.
Key Takeaways
- Bajaj Finserv FD tenures range from 12 to 60 months, with competitive national rates applicable in Gurugram.
- General citizens can earn up to 6.95%, while senior citizens can earn up to 7.30%.
- Compounding ensures higher returns for long-term investors in Gurugram.
- Choosing tenure wisely helps align your FD with both liquidity needs and wealth goals.
Disclaimer
Interest rates are subject to change at the discretion of Bajaj Finance Ltd. Investors in Gurugram and elsewhere should review prevailing rates, taxation rules, and their personal financial goals before investing, especially when checking the latest Bajaj FD rates in Sector 28.
