How a Fixed Deposit Calculator Helps You Plan Returns with Current FD Interest Rates in 2026

An FD calculator lets you enter your investment amount, tenure, and payout option to see your expected maturity value before you invest. Bajaj Finance’s online calculator applies current rates so you can compare outcomes ahead of booking.

• Interest rates: up to 7.40% p.a. for general investors, up to 7.75% p.a. for senior citizens
• Minimum investment: Rs. 15,000; maximum Rs. 3 crore online
• Tenure range: 31 to 60 months
• Payout choice: Cumulative (lump sum at maturity) or Non-Cumulative (monthly, quarterly, half-yearly, or annual)
• Safety ratings: CRISIL AAA/Stable and ICRA AAA (Stable)

Calculate your returns with the Fixed Deposit calculator at bajajfinserv.in and book your FD in minutes.

Advertisement

What is a fixed deposit calculator and how does it work?

A fixed deposit calculator projects the maturity value of your investment based on the amount, tenure, and interest rate you select. It applies compounding rules automatically, so you don’t need to calculate interest manually. Bajaj Finance’s calculator updates results the moment you change any input.

What are the current Bajaj Finance FD interest rates?

Rates depend on your tenure and chosen payout frequency. Within the 31 to 60-month tenure band, Bajaj Finance offers the following annualised rates:

These rates carry attractive returns of up to 7.40% p.a. for general investors and up to 7.75% p.a. for senior citizens (aged 60 and above), backed by CRISIL AAA/Stable and ICRA AAA (Stable) ratings — the highest ratings assigned to any NBFC FD in India.

How do you calculate FD returns using the calculator?

Using the calculator takes three inputs and gives an instant result.

• Enter your investment amount, starting from a low minimum investment of Rs. 15,000
• Select your tenure within the 31 to 60-month range
• Choose Cumulative or Non-Cumulative, and a payout frequency if applicable
• View your projected interest earned and maturity amount instantly

Cumulative vs non-cumulative FD: which should you calculate for?

Your payout choice changes both your cash flow and the maturity figure the calculator shows you.

How do you book a Fixed Deposit online with Bajaj Finance?

Booking an FD online takes under 10 minutes. Complete your application entirely from bajajfinserv.in — no branch visit required for existing customers.

1. Visit bajajfinserv.in/investments/fixed-deposit and click ‘Invest Now’ or ‘Open FD’.
2. Enter your mobile number and validate with the OTP sent to your registered number.
3. Enter your investment amount (minimum Rs. 15,000) and select your preferred tenure (31 to 60 months).
4. Choose your FD type: Cumulative (interest paid at maturity) or Non-Cumulative (periodic interest payout).
5. If Non-Cumulative, select your payout frequency: monthly, quarterly, half-yearly, or annual.
6. Complete your KYC: provide PAN, Aadhaar or other valid address proof, and bank account details for maturity proceeds.
7. Review the applicable FD interest rate and projected maturity amount using the FD calculator.
8. Confirm and submit your application. Your FD will be booked and a confirmation will be sent to your registered email and mobile.

TDS will be deducted if total interest credited in a financial year exceeds Rs. 5,000. TDS rate: 10% (with PAN) or 20% (without PAN). Premature withdrawal is subject to applicable penalties. Bajaj Finance Limited is a registered NBFC-D with the Reserve Bank of India. This FD is not covered under DICGC insurance.

Why is a Bajaj Finance FD a safe investment to calculate returns on?

Bajaj Finance Limited is registered with the Reserve Bank of India (RBI) as a Deposit-Taking NBFC (NBFC-D). This is a Corporate Fixed Deposit issued by an NBFC — not a bank FD — and it is therefore not covered by DICGC insurance. In place of that cover, Bajaj Finance FD carries CRISIL AAA/Stable and ICRA AAA (Stable) ratings, the highest safety ratings assigned to any NBFC FD in India.

Conclusion

An FD calculator turns Bajaj Finance’s current rates — up to 7.40% p.a. for general investors and up to 7.75% p.a. for senior citizens — into a clear maturity estimate before you commit. With a minimum investment of Rs. 15,000 and tenures from 31 to 60 months, you can test different scenarios and book online once you’re ready.

Disclaimer: Fixed Deposits offered by Bajaj Finance Limited are subject to the terms and conditions specified at the time of booking. Bajaj Finance Limited is registered with the Reserve Bank of India as a Deposit-Taking Non-Banking Financial Company (NBFC-D). These deposits are not insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) and are not covered under any deposit insurance scheme applicable to bank deposits. Credit ratings of CRISIL AAA/Stable and [ICRA]AAA(Stable) indicate the highest degree of safety with regard to timely payment of interest and principal but do not constitute a recommendation to buy, sell, or hold the instrument. Interest rates are subject to change and are applicable as per the rate card in effect on the date of investment. TDS will be deducted as per applicable tax laws. Please read all scheme-related documents carefully before investing.