Zeytinburnu masaj salonu Talas masaj salonu Tarsus masaj salonu Tavşanlı masaj salonu Terme masaj salonu Tire masaj salonu Torbalı masaj salonu Toroslar masaj salonu Turgutlu masaj salonu Turgutreis masaj salonu Turhal masaj salonu Tuzla masaj salonu Ulus masaj salonu Ümraniye masaj salonu Urla masaj salonu Üsküdar masaj salonu Vezirköprü masaj salonu Viranşehir masaj salonu Yatağan masaj salonu Yenimahalle masaj salonu Yenişehir masaj salonu Yıldırım masaj salonu Yomra masaj salonu Yumurtalık masaj salonu Yunusemre masaj salonu Yüreğir masaj salonu escort Çanakkale escort Çorum escort Denizli escort Düzce escort Edirne escort Erzurum escort Eskişehir escort Gaziantep escort Giresun escort Hatay escort Beyşehir escort Biga escort Bigadiç escort Birecik escort Bodrum escort Bornova escort Bosna escort Boyabat escort Buca escort Bulancak escort Bünyan escort Burhaniye escort Büyükçekmece escort Çan escort Canik escort Çankaya escort Çarşamba escort Çatalca escort Çayeli escort Çekmeköy escort Çerkezköy escort Çeşme escort Ceyhan escort Çiğli escort Çihanbeyli escort Çine escort Çivril escort Çorlu escort Çubuk escort Çukurova escort Çumra escort Dalaman escort Darıca escort Davutlar escort Demetevler escort Develi escort Didim escort Dikili escort Dinar escort Doğanşehir escort Dörtyol escort Döşemealtı escort Dulkadiroğlu escort Düziçi escort Edremit escort Efeler escort Elbistan escort Elmadağ escort Elmalı escort Emirdağ escort escort Mersin escort İzmir escort Ankara escort Antalya escort Bursa escort Gaziantep escort Denizli escort Adana escort Hatay escort Samsun escort Kocaeli escort Konya escort İstanbul escort Eskişehir escort Malatya escort Kayseri escort Sakarya escort Balıkesir escort Çanakkale escort Aydın escort Muğla escort Tekirdağ escort Yalova escort Trabzon escort Sivas escort Ordu escort Maraş escort Manisa escort Tokat escort Rize escort Amasya escort Ümraniye escort Üsküdar escort Zeytinburnu escort Çeşme escort Sincan escort Gaziemir escort İskenderun escort Buca escort Çubuk escort Marmaris escort Torbalı escort Haymana escort Kepez escort Osmangazi escort Bağcılar escort Muratpaşa escort Görükle escort Avcılar escort Darıca escort Çumra escort Anamur escort Çarşamba escort Ulus escort Kaş escort Gürsu escort Güngören escort Mut escort Kadıköy escort İznik escort Serik escort Menemen escort Aksu escort Kağıthane escort Kartal escort Maltepe escort Tire escort Finike escort Pendik escort Sarıyer escort Şişli escort Sultangazi escort Tuzla escort Konyaaltı escort Seyhan escort Melikgazi escort Ödemiş escort Mamak escort Kemer escort Mudanya escort Çekmeköy escort Körfez escort Meram escort Aliağa escort Polatlı escort Belek escort Gemlik escort Esenler escort Fatih escort Selçuklu escort Datça escort Gümbet escort Serdivan escort Konak escort Keçiören escort Lara escort Yıldırım escort Beylikdüzü escort Gölcük escort Karşıyaka escort Çankaya escort Manavgat escort Nilüfer escort Arnavutköy escort Gebze escort Beyşehir escort Silifke escort Atakum escort Çorlu escort Didim escort Kuşadası escort Merzifon escort Bandırma escort Antakya escort Ceyhan escort Battalgazi escort Elbistan escort Bodrum escort Akşehir escort Tarsus escort İlkadım escort Çerkezköy escort Bornova escort Batıkent escort Alanya escort İnegöl escort Orhangazi escort İzmit escort Keşan escort Isparta escort Bolu escort Erzincan escort Van escort Yozgat escort Zonguldak escort Afyon escort Bilecik escort Aksaray escort Elaziğ escort Osmaniye escort Şanliurfa escort Giresun escort Burdur escort Diyarbakir escort Edirne escort Kocasinan escort Onikişubat escort Salihli escort Milas escort Pamukova escort Birecik escort Yıldızeli escort Ortahisar escort Malkara escort Yakutiye escort Zara escort Yomra escort Karatay escort Mezitli escort Canik escort Efeler escort Ayvalık escort Kırıkhan escort Pazarcık escort Soma escort Dalaman escort Sapanca escort Haliliye escort Akdeniz escort Terme escort Söke escort Karesi escort Yüreğir escort Payas escort Talas escort Türkoğlu escort Turgutlu escort Karaköprü escort Samandağ escort Yunusemre escort Köyceğiz escort Siverek escort Toroslar escort Menteşe escort Kestel escort Yenişehir escort Yatağan escort Urla escort Korkuteli escort Kumluca escort Karacabey escort Alanya escort Manavgat escort Fethiye escort Kemer escort Didim escort Çorum escort Düzce escort Erzurum escort Kırklareli escort Kilis escort Kars escort Karabük escort Kırıkkale escort Mardin escort Kırşehir escort Muş escort Kastamonu escort Nevşehir escort Ardahan escort Bartın escort Karaman escort Siirt escort Batman escort Bayburt escort Uşak escort Igdır escort Sinop escort Şırnak escort Adıyaman escort Ağri escort Bitlis escort Gümüşhane escort Hakkari escort Bingöl escort Safranbolu escort Boyabat escort Kızıltepe escort Üzümlü escort Bucak escort Kadirli escort Ardeşen escort Çerkeş escort Gelibolu escort Gerede escort Dinar escort Besni escort Bozüyük escort Eskil escort Diyadin escort Ahlat escort Çivril escort Bağlar escort Akçakoca escort Aziziye escort Lüleburgaz escort Şahinbey escort Bulancak escort Digor escort Keskin escort Bünyan escort Kaman escort Akhisar escort Bulanık escort Altınordu escort Bor escort Avanos escort Adapazarı escort Virenşehir escort Gemerek escort Kangal escort Akçaabat escort Erbaa escort Tavşanlı escort Çayeli escort Suluova escort Edremit escort Ilgaz escort Biga escort Göynük escort Çukurova escort Kaynaşlı escort Emirdağ escort Gölbaşı escort Söğüt escort Ortaköy escort Dogubayazıt escort Güroymak escort Karahayıt escort Bismil escort Horasan escort Mucur escort Babaeski escort Şehitkamil escort Espiye escort Kağızman escort Yahşihan escort Develi escort Doğanşehir escort Afşin escort Alaşehir escort Malazgirt escort Fatsa escort Ürgüp escort Akyazı escort Eyyübiye escort Şarkışla escort Araklı escort Niksar escort Simav escort Ergene escort Fındıklı escort Nazilli escort Taşova escort Susurluk escort Çan escort Mudurnu escort Defne escort Kozan escort Sandıklı escort Yahyalı escort Patnos escort Kahta escort Pamukkale escort Ergani escort Oltu escort Nizip escort Görele escort Sarıkamış escort Yeşilyurt escort Dulkadiroğlu escort Kırkağaç escort Varto escort Fethiye escort Kumru escort Erenler escort Akçakale escort Suşehri escort Of escort Turhal escort Derince escort Ereğli escort Erdemli escort Bafra escort Kapaklı escort Pazar escort Davutlar escort Altıeylül escort Ayvacık escort Dörtyol escort Sarıçam escort Sur escort Palandöken escort Nurdağı escort Tirebolu escort Zile escort Ünye escort Selim escort kayseri escort kayseri escort kıbrıs escort kilis escort konya escort konya escort konya escort malatya escort malatya escort malatya escort manisa escort gaziantep escort van escort tunceli escort bursa escort sivas escort siirt escort şanlıurfa escort bilecik escort samsun escort çanakkale escort istanbul escort ankara escort izmir escort izmir escort bursa escort antalya escort antalya escort adana escort kocaeli escort konya escort mersin escort şanlıurfa escort samsun escort diyarbakır escort hatay escort manisa escort balıkesir escort gaziantep escort sakarya escort tekirdağ escort kayseri escort eskişehir escort aydın escort van escort denizli escort kahramanmaraş escort izmit escort trabzon escort adıyaman escort afyon escort erzurum escort ordu escort bodrum escort bodrum escort malatya escort elazığ escort tokat escort sivas escort muğla escort aksaray escort amasya escort niğde escort batman escort kütahya escort çanakkale escort çankırı escort çorum escort düzce escort hakkari escort edirne escort yozgat escort zonguldak escort bingöl escort yalova escort uşak escort sinop escort şırnak escort rize escort muş escort nevşehir escort osmaniye escort bolu escort mardin escort kırşehir escort kastamonu escort giresun escort kırıkkale escort ısparta escort karabük escort karaman escort kibris escort hatay escort ağrı escort afyon escort antalya escort antalya escort ardahan escort artvin escort ankara escort balıkesir escort bartın escort ankara escort bayburt escort bitlis escort istanbul escort burdur escort

Get Even More Returns with Bajaj Finance FD as Compared with Post Office FD

Not everyone can consistently save money with Post Office FD. However, one of the most crucial parts of accumulating wealth is saving money. Keeping a modest amount of your income allows you to live a better life. “When I was young, I used to think that money was the most important thing in life; now that I am old, I know it is,” Irish poet and dramatist Oscar Wilde famously observed.

People who spend money properly and save it regularly can dramatically increase their fortune. Today, there are numerous ways to save money. One is a fixed deposit, which is still India’s most popular investment option.

What is a fixed deposit?

A fixed deposit (FD) is a financial instrument offered by banks or non-bank financial companies (NBFCs) that pays a greater interest rate than typical savings account until the maturity date. It might or might not be necessary to create a different account.

Features of fixed deposit

  • Assured Returns
  • Rate of Interest
  • Offers Flexible Tenures
  • Return on Investment
  • Loan against FD

What is FD at the post office?

The Government of India’s Department of Posts, Ministry of Communications, offers fixed deposit accounts with competitive interest rates and maturities ranging from one to five years. Interest is given annually with a minimum deposit of Rs.1,000 and no upper limit.

FD Post Office Features

  • An account can be moved from one post office to another throughout the United States.
  • Any post office in the country can open an unlimited number of accounts.
  • A single account can be transformed into a joint account and vice versa.
  • You can nominate someone when you open your account or afterwards.
  • You can open an account using a check or cash.
  • A minimum deposit of Rs.1,000 is required.
  • There is no maximum amount that can be deposited.
  • When a minor reaches the age of majority, their account must be converted.
  • Interest is paid yearly.
  • Interest is paid on the holder’s savings account.

Post office FD interest rate

Deposit Tenure Post Office FD rates (p.a.)
One year 5.50%
Two years 5.50%
Three years 5.50%
Five years 6.70%


Bajaj Finance FD interest rate

Tenor in months Minimum Deposit Amount (in Rs.) Cumulative
Interest Rate (% p.a.)
Non-Cumulative Interest Rates (% p.a.)
Monthly Quarterly Half-Yearly Annual
12 – 23 15,000 5.75 5.60 5.63 5.67 5.75
24 – 35 6.40 6.22 6.25 6.30 6.40
36 – 60 7.00 6.79 6.82 6.88 7.00


Special interest rates are also available 

The special interest rates for investors below 60 years of age:


Period Cumulative Non-Cumulative
At Maturity

(% p.a.)


(% p.a.)


(% p.a.)

Half Yearly

(% p.a.)


(% p.a.)

15 months 6.00 5.84 5.87 5.91 6.00
18 months 6.10 5.94 5.97 6.01 6.10
22 months 6.25 6.08 6.11 6.16 6.25
30 months 6.50 6.31 6.35 6.40 6.50
33 months 6.65 6.46 6.49 6.54 6.65
44 months 7.10 6.88 6.92 6.98 7.10

0.25% additional FD interest rates are offered to senior citizens. 

Comparing Post office FD with Bajaj Finance FD

In comparing the two FDs, here are the details we can see: 

Post Office FD Bajaj Finance FD
Eligibility A single adult

For a joint account, a maximum of three adults 

Minors above ten years of age

A guardian on behalf of an individual who is a minor or a person of unsound mind

Individuals above 18 years of age



Interest Rate Up to 6.75% p.a. Up to 7.45% p.a.
Pre-withdrawal Yes Yes
Tax Saving Yes No
Senior citizen Benefit 0.25% additional  NA
Minimum Deposit  Rs. 1,000 Rs. 15,000
Investment  Offline Online or offline 

Except for a few minor differences, there are few differences between Bajaj Finance FD and post office FD systems. Bajaj, for example, can adjust their interest rates in response to market conditions. The interest rate at the post office is updated every quarter. The duration of a Bajaj FD can range from 12 months to 60 months, whereas post office FDs have a maximum lifespan of five years. Post office FDs are also more secure.

Highest levels of Security

Aside from high FD rates, Bajaj Finance also provides the highest level of security. CRISIL has given this deposit the highest FAAA/Stable rating, while ICRA has given it the highest MAAA (stable) rating. This ensures your money is safe, and you can count on timely payments. This is crucial for smart retirement planning since it allows you to invest without the fear of market changes.

What Is a Pension Plan and How Does It Work?

In an ideal world, a business that provides a pension plan puts money aside for each employee, which increases over time. The earnings are then used to pay the employee the retirement income guaranteed by the employer. Employees frequently have the option of receiving a lump sum payout at retirement (or when leaving the firm) or recurring income for the rest of their lives through an annuity. Those pension plans’ benefits may be inherited by a surviving spouse or children, depending on the arrangement.

During your working years, your pension income is normally paid out as a proportion of your earnings. This proportion is determined by your employer’s conditions and the length of time you’ve worked for them. A person who has worked for a corporation or government for decades may be eligible for up to 85 percent of their pay in retirement. Someone with less experience or who works for a less kind employer may be at a disadvantage

Bajaj FD Vs Pension Plans

Your retirement is the perfect time to pursue your interests, travel, and enjoy life to the fullest. However, to live it, you must prepare ahead. One approach to think about creating a retirement fund for the future is to make wise investing decisions today.

According to the latest SEBI Investor Survey (2015), 95% of Indians put their money in a bank term deposit. This is for the sake of security and guaranteed returns. While investing in mutual funds and stocks is important for high returns, FDs are an important aspect of any retirement plan since they allow you to accumulate money safely. Fixed deposits are risk-free since they are not connected to the market, making them a good choice for building a savings account.

What Are the Risks of Investing in a Pension Plan?

Although there are several advantages to having pension plans, no retirement plan is without risk.

Another danger of not being in charge is that your employer may alter the conditions of your pension plan. It might, for example, reduce the proportion of each recipient’s wage, resulting in a lesser benefit amount. Because pensions are so much more expensive for employers than most other options, it’s in your employer’s best interest to keep prices down. In the case of public pensions, there’s also the possibility that the state or municipality may run into financial difficulties and file for bankruptcy, resulting in a cut in payments for pension-plan members.

It’s easy to pine for pensions in today’s retirement scene when defined contribution plans reign supreme. Isn’t it lovely to have a steady source of money for the rest of your life? However, there are hazards associated with pensions. The most serious threat to private-sector employees is that their firm and pension may be shuttered. Payments will be guaranteed by the federal government, but if the pension is underfunded, employees may get less than they expected.

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