Fixed Deposit in Habra

Find the best fixed deposit (FD) interest rates in Habra. Compare top banks and financial institutions to grow your savings securely and earn higher returns.
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FD in Habra
OPEN FD
4 min
21-October-2025

Habra, a vibrant town in the North 24 Parganas district of West Bengal, is witnessing a growing interest in secure investment options. Among these, fixed deposit (FD) has emerged as a popular choice for residents seeking stable returns and financial security. This article explores the advantages of FD and how they can contribute to your financial goals.

Where to find the top fixed deposit rates in Habra

Several banks and financial institutions in Habra offer competitive fixed deposit schemes. To find the top rates, it is recommended to compare offers from different institutions and consider factors like:

  • Interest rates: Look for the highest interest rates available for your chosen tenure and depositor category (regular or senior citizen).
  • Credibility of the institution: Choose a bank or financial institution with a strong reputation and sound financial standing.
  • Additional benefits: Some institutions might offer additional perks, such as online account access, nomination facilities, or special schemes for senior citizens.

Features and benefits of Bajaj Finance Fixed Deposit

  1. Attractive returns up to 7.30% p.a.
    Bajaj Finance offers fixed deposit interest rates up to 6.95% p.a. for customers below 60 years of age, and up to 7.30% p.a. for senior citizens. These competitive rates provide an opportunity for stable investment growth, regardless of market fluctuations.

  2. Highest credit ratings
    Bajaj Finance fixed deposit carry the highest credit ratings of [ICRA]AAA(Stable) and CRISIL AAA/STABLE. These ratings signify the institution's robust financial stability and underscore its unwavering commitment to safeguarding your deposits.

  3. Loan against fixed deposit
    Bajaj Finance understands that unexpected financial needs may arise. To cater to such situations, they offer loan against your fixed deposit. This can help you to access funds without having to prematurely break your investment. Loan amounts can go up to 60% of the deposit for non-cumulative FD and up to 75% for cumulative FD, providing a flexible financial safety net while your investment continues to grow.

Benefits of Bajaj Finance Fixed Deposit in Habra

Bajaj Finance FDs in Habra 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 Habra?

Bajaj Finserv has built a strong local presence in Habra, 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 Habra: With branches and digital support, customers in Habra 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 Habra

Opening a Bajaj Finance FD in Habra 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 Habra

Anyone in Habra 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

Whether you are a young professional starting your financial journey or a retiree seeking to safeguard your savings, fixed deposits can be a valuable option. Their stability, guaranteed returns, and flexibility make them a dependable option for building a secure financial future.

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

 

Frequently asked questions

What is the minimum amount for an FD in Habra?

You can start a Bajaj Finance Fixed Deposit in Habra 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 Habra 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 Habra. 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.