Fixed Deposit in Osmanabad

Explore fixed deposit options in Osmanabad with attractive interest rates. Secure your savings and earn guaranteed returns with FD investments
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FD in Osmanabad
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4 min
21-October-2025

Fixed deposits (FDs) have consistently emerged as a popular choice for many individuals. Osmanabad, a prominent district in Maharashtra, offers a range of FD options to its residents, ensuring security and assured returns on their investments.

A fixed deposit is a financial product provided by banks and non-banking financial companies (NBFCs) where an individual deposits a lump sum amount for a specified tenure at a predetermined interest rate. Unlike savings accounts, FDs offer higher interest rates and the returns are not affected by market fluctuations, making them a secure investment option.

Benefits of Bajaj Finance Fixed Deposit in Osmanabad

Bajaj Finance FDs in Osmanabad 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.

Pro tip

Bajaj Finance offers attractive Fixed Deposit interest rates of up to 6.95% p.a. for non-senior citizens, and up to 7.30% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.35% p.a.

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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) exclusively on website and app.

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 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) exclusively on website and app.

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%

Why choose Bajaj Finserv FD in Osmanabad?

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

Opening a Bajaj Finance FD in Osmanabad 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

Tax implications on fixed deposits in Osmanabad

Interest earned on fixed deposits is taxable under the head "Income from Other Sources". Banks deduct TDS (Tax Deducted at Source) at 10% if the interest income exceeds Rs. 40,000 in a financial year (Rs. 50,000 for senior citizens). To avoid TDS deduction, you can submit Form 15G/15H if your total income is below the taxable limit.

Conclusion

Fixed deposits in Osmanabad continue to be a preferred investment option due to their safety, assured returns, and flexibility. By selecting the right bank and tenure, investors can effectively grow their savings while enjoying peace of mind. Whether you are planning for short-term goals or long-term financial security, FDs in Osmanabad offer a dependable and convenient investment solution. As with any financial decision, it is advisable to compare different options and consult with a financial advisor to make the best choice for your individual needs.

 

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

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Frequently asked questions

What is the minimum amount for an FD in Osmanabad?

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

Can I get higher rates as a senior citizen?

Senior citizens in Osmanabad 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 . 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.