FD Calculator Guide 2026: How to estimate returns before you open an FD online

Running your numbers through the FD calculator first turns Bajaj Finance’s current rates — up to 7.40% p.a. general, up to 7.75% p.a. senior citizen — into a concrete maturity figure.

South First Desk

Published Jul 23, 2026 | 3:06 PM ⚊ Updated Jul 23, 2026 | 3:06 PM

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Booking an FD online takes under 10 minutes

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Synopsis [Partnered content]: An FD calculator projects your maturity value from your investment amount, tenure, and payout choice, applying compounding rules automatically. Using it before you open an FD lets you compare scenarios — different tenures or payout frequencies — without committing any money first. 

The Bajaj Finance Fixed Deposit (FD) calculator estimates your maturity value using rates of up to 7.40% p.a. (7.75% p.a. for senior citizens), before you commit to opening an FD online.

Summary

An FD calculator projects your interest earnings and maturity amount from just three inputs, so you know exactly what to expect before you open an FD. Bajaj Finance rates go up to 7.75% p.a.

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

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

What is an FD calculator and why use it before you open an FD?

An FD calculator projects your maturity value from your investment amount, tenure, and payout choice, applying compounding rules automatically. Using it before you open an FD lets you compare scenarios — different tenures or payout frequencies — without committing any money first.

What are the current FD interest rates to enter into the calculator?

Within the 31 to 60-month tenure band, rates by payout frequency are:

Payout frequency

How do you estimate your returns?

• Enter your investment amount, starting from a low minimum investment of ₹15,000
• Select your tenure within the 31 to 60-month range
• Choose Cumulative (lumpsum at maturity) or Non-Cumulative (periodic payout)
• If Non-Cumulative, pick monthly, quarterly, half-yearly, or annual payout
• View your projected interest earned and maturity amount instantly

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

Cumulative vs non-cumulative FD

How do you open an FD online?

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 ₹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 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 ₹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 place to invest your estimated returns?

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

Conclusion

Running your numbers through the FD calculator first turns Bajaj Finance’s current rates — up to 7.40% p.a. general, up to 7.75% p.a. senior citizen — into a concrete maturity figure. With a minimum investment of Rs. 15,000, you can test a few scenarios and open your FD online once the numbers work for you.

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.