Certainty in an Uncertain World
Exclusive Partnerships with HDFC Bank & Bajaj Finance | Competitive Rates | Capital Safety
Fixed deposits remain the most trusted capital preservation instrument in India. Through our exclusive partnerships with HDFC Bank and Bajaj Finance, we provide access to some of the most competitive rates in the market — with the backing of India's most trusted financial institutions. Our relationship enables priority processing and dedicated support for your FD portfolio.
HDFC Bank Fixed Deposits
| Tenure | General Rate (% p.a.) | Senior Citizen Rate | Interest Options | Min. Amount |
|---|---|---|---|---|
| 7 – 14 days | 3.00% | 3.50% | At maturity only | Rs 5,000 |
| 15 – 29 days | 3.00% | 3.50% | At maturity only | Rs 5,000 |
| 30 – 90 days | 3.50% | 4.00% | At maturity only | Rs 5,000 |
| 91 days – 6 months | 4.50% | 5.00% | At maturity only | Rs 5,000 |
| 6 months – 1 year | 5.75% | 6.25% | Monthly / Quarterly | Rs 5,000 |
| 1 year – 2 years | 6.60% | 7.10% | Monthly / Quarterly / Annual | Rs 5,000 |
| 2 years – 3 years | 7.00% | 7.50% | Monthly / Quarterly / Annual | Rs 5,000 |
| 3 years – 5 years | 7.00% | 7.50% | Monthly / Quarterly / Annual | Rs 5,000 |
| 5 years – 10 years | 7.00% | 7.50% | Monthly / Quarterly / Annual | Rs 5,000 |
| 5-Year Tax Saver FD | 7.00% | 7.50% | Cumulative only | Rs 100 |
* Rates indicative as of May 2026. Subject to change. Senior citizen rate applicable for depositors aged 60+. Additional 0.10% for HDFC Bank staff. Contact your Wealthways advisor for current rates.
Bajaj Finance Fixed Deposits
CRISIL AAA / ICRA AAA — HIGHEST CREDIT RATING
Bajaj Finance FDs carry the highest credit ratings assigned by both CRISIL and ICRA — the gold standard for NBFC fixed deposits in India. This rating reflects the strongest degree of safety for timely payment of financial obligations. Higher yields than bank FDs with equivalent capital safety comfort.
| Tenure | Cumulative Rate | Senior Citizen Rate | Non-Cumulative Options | Min. Amount |
|---|---|---|---|---|
| 12 – 23 months | 7.40% | 7.65% | Monthly / Quarterly / Half-yearly | Rs 15,000 |
| 24 – 35 months | 7.80% | 8.05% | Monthly / Quarterly / Half-yearly | Rs 15,000 |
| 36 – 60 months | 8.05% | 8.30% | Monthly / Quarterly / Half-yearly | Rs 15,000 |
| Special: 44 months | 8.10% SPECIAL | 8.35% SPECIAL | All payout options available | Rs 15,000 |
* Bajaj Finance rates indicative as of May 2026. Special 44-month tenure subject to availability. CRISIL AAA / ICRA AAA rated.
Capital Safety
HDFC Bank deposits insured by DICGC up to Rs 5 Lakh. Bajaj Finance carries CRISIL AAA and ICRA AAA — top safety ratings for corporate deposits in India.
Flexible Payouts
Monthly, quarterly, half-yearly, annual, or cumulative reinvestment — payout frequency structured to match your income requirements and cash flow calendar.
Section 80C Tax Saving
5-year tax-saving FDs from HDFC Bank are eligible for Section 80C deduction up to Rs 1.5 Lakh per year. Form 15G/15H available for TDS exemption at source.
Ready to secure your capital with trusted fixed deposits?
Reach out today to consult on yield structures, select the right tenures, and process your fixed deposit applications with priority.