Fixed Deposit in Gurugram

Grow your money safely with Fixed Deposit in Gurugram. Get insights on features, benefits, and guidance to choose the right Fixed Deposit for secure wealth building.
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FD in Gurugram
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4 min
21-October-2025

Nestled amidst the bustling metropolis of Delhi NCR, Gurugram offers a vibrant lifestyle and a dynamic business environment. For residents planning their financial future, fixed deposit (FD) emerges as a compelling option.

Understanding fixed deposit in Gurugram

An FD is a financial instrument offered by banks and non-banking financial companies (NBFCs) in Gurugram. You invest a lump sum amount for a predetermined period (tenure) at a fixed interest rate. Upon maturity (the end of the tenure), you receive your principal investment along with the accrued interest. Here is a breakdown of the key characteristics:

  • Guaranteed returns: Unlike market-linked investments that fluctuate, FDs offer a pre-determined interest rate, ensuring a fixed return on your investment regardless of market conditions. This allows for predictable financial planning, especially for planned expenses.
  • Flexibility: Financial institutions offer various FD tenures, ranging from a few days to several years. This allows you to tailor your investment to your specific needs. Whether you are saving for a short-term goal or a long-term one like retirement planning, you can choose a tenure that aligns with your financial horizon.
  • Regular income option: Some FDs offer periodic interest payouts (monthly, quarterly, half-yearly, annually or at maturity). This provides a regular flow of income, which can be helpful for meeting ongoing expenses or supplementing your existing income stream.

Benefits of Bajaj Finance Fixed Deposit in Gurugram

Bajaj Finance FDs in Gurugram combine safety with convenience. Investors enjoy high interest rates, flexible tenures, and quick online booking, along with added security through top credit ratings.

  • Attractive returns up to 7.30% p.a.
    Earn up to 6.95% p.a. as a regular customer and up to 7.30% p.a. as a senior citizen.
  • Highest credit ratings
    ICRA AAA(Stable) and CRISIL AAA/STABLE ratings assure strong financial credibility and deposit safety.
  • Loan against fixed deposit
    Get loans up to 60%–75% of your FD value without breaking your investment.

FD rates for customers below the age of 60

Fixed Deposit annualised rate of interest for customers below the age of 60 is valid for deposit amounts from Rs. 15,000 to Rs. 3 crore (w.e.f 11 June, 2025).

Non-Senior Citizens
Tenure in
months
At maturity (p.a.) Monthly (p.a.) Quarterly (p.a.) Half yearly (p.a.) Annual (p.a.)
12 - 14 6.60% 6.41% 6.44% 6.49% 6.60%
15 - 23 6.75% 6.55% 6.59% 6.64% 6.75%
24 – 60 6.95% 6.74% 6.78% 6.83% 6.95%

FD rates for customer above the age of 60

Fixed Deposit annualised rate of interest for senior citizens is valid for deposit amounts from Rs. 15,000 to Rs. 3 crore (w.e.f 11 June, 2025).

Senior Citizens
Tenure in
months
At maturity (p.a.) Monthly (p.a.) Quarterly (p.a.) Half yearly (p.a.) Annual (p.a.)
12 - 14 6.95% 6.74% 6.78% 6.83% 6.95%
15 - 23 7.10% 6.88% 6.92% 6.98% 7.10%
24 - 60 7.30% 7.07% 7.11% 7.17% 7.30%

Why choose Bajaj Finserv FD in Gurugram?

Bajaj Finserv has built a strong local presence in Gurugram, offering residents easy access to one of India’s most trusted fixed deposit schemes. With competitive FD rates, flexible options, and a customer-first approach, it is a reliable way to grow your savings securely.

  • Strong local presence in Gurugram: With branches and digital support, customers in Gurugram can easily open, manage, or renew FDs without hassle.

  • Special senior citizen benefits: Senior citizens enjoy up to 0.35% higher interest rates, making it an excellent option for retirement planning.

  • Online account management and auto-renewal: Book and track your FD online, set up auto-renewal, and enjoy a completely paperless, time-saving process.

Step-by-Step: How to open an FD in Gurugram

Opening a Bajaj Finance FD in Gurugram is quick, secure, and fully online

  • Choose investment amount & tenure
    Decide how much you want to invest and select a suitable duration
  • Fill application form online
    Complete the FD booking form on the Bajaj Finserv website or app
  • Upload KYC documents
    Submit your Aadhaar, PAN, and other required documents online
  • Transfer funds securely
    Pay your investment amount via net banking, UPI, or debit card
  • Receive the FD certificate
    Once processed, your FD certificate will be shared digitally

Fixed Deposit eligibility & documents in Gurugram

Anyone in Gurugram can invest in a Bajaj Finance FD, provided they meet basic eligibility and KYC requirements.

Eligibility

  • Indian resident: Individual, senior citizen, or minor
  • NRI (Non-Resident Indian)
  • Business owner/Partner
  • Clubs, associations, societies, or family trusts

Documents Required

  • PAN card
  • Any KYC document: Aadhaar, Passport, Voter ID, Driving Licence
  • Passport-size photograph

Conclusion

Fixed deposit is a valuable option for individual seeking a secure and reliable way to grow their savings. By understanding the features and benefits you can make informed decisions. Remember, FD can form a solid foundation for your investment portfolio, providing peace of mind and predictable returns. However, consider exploring other investment options to potentially achieve a well-rounded financial strategy for long-term wealth creation. Consult with a qualified financial advisor to get a personalised investment advice based on your risk tolerance and financial goals.

Calculate your expected investment returns with the help of our investment calculators

Investment Calculator

FD Interest Calculator

Gratuity Calculator

PPF Calculator

RD Calculator

Provident Fund Calculator

 


Bajaj Finance Fixed Deposit Branches

Bajaj Finance Branch in Sohna

FD Branch in Sector 25a

FD in Sohna RD Sector 47

FD in Sector 14

Bajaj Finance Branch in Sohna

FD in Sector 28

Bajaj Finance Branch in Manesar Sector 1

 

FAQs

What is the minimum amount for an FD in Gurugram?

You can start a Bajaj Finance Fixed Deposit in Gurugram with just Rs. 15,000, making it convenient for both new and seasoned investors.

Can I get higher rates as a senior citizen?

Yes. Senior citizens in Gurugram enjoy an additional rate benefit of up to 0.35% p.a., ensuring higher earnings on their deposits.

How is the FD interest paid?

You can choose between cumulative (interest paid at maturity) or non-cumulative (monthly, quarterly, half-yearly, or yearly payouts) options.

Is premature withdrawal allowed?

Yes, premature withdrawal of FD is allowed in Gurugram. However, it may attract a small penalty on the applicable interest rate.

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.