FD mein paisa rakhne walon ke liye khushkhabri hai — aur is baar khabar RBI ki taraf se aayi hai.
7 October 2026 ko RBI ne repo rate 25 basis points badhakar 5.50% kar diya. Yeh February 2023 ke baad pehli hike hai. Aur jaise hi RBI ne rate badhaya, Bajaj Finance ne sabse pehle apne FD rates badha diye — 15 se 40 basis points tak ka jump.
Ab regular depositors ko 7.75% tak aur senior citizens ko 8.15% tak interest mil raha hai.
Toh sawal yeh hai: kahan sabse zyada rate mil raha hai? ₹5 lakh ki FD 5 saal mein kitni banegi? Aur abhi FD karwani chahiye ya wait karna chahiye?
Chaliye, ek-ek karke samajhte hain — simple bhasha mein, verified numbers ke saath.
Kya Hua? RBI Ne Repo Rate 25 bps Badhaya
Repo rate woh rate hai jis par RBI banks ko short-term paisa udhaar deta hai. Jab RBI is rate ko badhata hai, to banks ke liye paisa mehenga ho jata hai.
Ab banks ko deposits attract karne ke liye FD par zyada interest dena padta hai — warna log paisa kahin aur le jayenge. Isi liye repo rate hike ke baad FD rates badhne lagte hain.
7 October 2026 ke decision ki key baatein:
- New repo rate: 5.50% (5.25% se 25 bps hike)
- February 2023 ke baad pehli hike — lagbhag 3 saal 8 mahine baad
- MPC ne unanimous vote se faisla liya
- Policy stance "neutral" se "calibrated tightening" — matlab aage aur hike possible hai
- Reason: August 2026 mein retail inflation 4.82% — lagatar teesre mahine RBI ke 4% target se upar
RBI ke decision ka loan-side asar jaanna hai? RBI repo rate October 2026 — EMI par kya asar wala article padhiye.
Bajaj Finance Ne Sabse Pehle FD Rates Badhaye
RBI ke announcement ke 24 ghante ke andar, Bajaj Finance ne apne FD interest rates mein 15 se 40 basis points ka hike announce kar diya — effective 7 October 2026 se.
Yeh unke liye koi chhota change nahi hai. Dekhiye naye rates:
| Tenure | Regular Rate (naya) | Senior Citizen Rate (naya) |
|---|---|---|
| 12–17 mahine | 6.80% | 7.20% |
| 18–30 mahine | 7.00% | 7.40% |
| 31–60 mahine | 7.75% | 8.15% |
Key highlights:
- Regular depositors ke liye maximum rate: 7.75% (31–60 mahine tenure par) — pehle 7.40% tha
- Senior citizens ke liye maximum rate: 8.15% (pehle 7.75% tha)
- Senior citizen premium ab 0.40 percentage points hai
- Renewal bonus: existing customers renewal par +0.10 pp extra paate hain — matlab renewal par 7.85% / 8.25% tak
- Minimum booking: ₹15,000; maximum ₹3 crore tak
Safety check: Bajaj Finance ki FDs ko CRISIL AAA/Stable aur ICRA AAA/Stable rating mili hai — yeh highest safety rating hai. Lekin ek baat dhyan rahe: NBFC FDs par bank FDs jaisi DICGC insurance (₹5 lakh tak) cover nahi hoti.
Major Banks Ke Current FD Rates (October 2026)
Bade banks abhi Bajaj Finance se peeche hain — lekin rate hike cycle mein woh bhi dheere-dheere rates badhayenge. 8 October 2026 tak ke latest rates:
| Bank | Regular (max rate) | Senior Citizen (approx) |
|---|---|---|
| SBI | 6.45% | ~7.05% |
| HDFC Bank | 6.50% | ~7.10% |
| ICICI Bank | 6.50% | ~7.10% |
| Punjab National Bank | 6.60% | ~7.10% |
| Bank of Baroda | 6.75% | ~7.25% |
Small finance banks sabse aage hain:
- Utkarsh Small Finance Bank: 8.10% tak (666 din tenure par)
- Suryoday Small Finance Bank: 8.25% tak (5 saal tenure par)
- ESAF Small Finance Bank: 8.00% tak (800 din tenure par)
Important note: Bade banks ne abhi tak post-hike revision announce nahi kiya hai (as of 8 October 2026). Agar aapki FD jald mature ho rahi hai, to 2-3 hafte wait karke bank rates check karna smart ho sakta hai.
₹5 Lakh FD Kitni Banegi? (Verified Calculation)
Ab sabse important sawal — actual paisa kitna banega?
Humne FD calculator par verify kiya hai. Dekhiye:
| Scenario | Maturity Amount | Interest Earned |
|---|---|---|
| ₹5,00,000 @ 7.75%, 5 saal | ₹7,35,729 | ₹2,35,729 |
| ₹5,00,000 @ 8.15% (senior), 5 saal | ₹7,50,493 | ₹2,50,493 |
| ₹1,00,000 @ 7.75%, 5 saal | ₹1,47,146 | ₹47,146 |
| ₹10,00,000 @ 7.75%, 5 saal | ₹14,71,458 | ₹4,71,458 |
Matlab: ₹5 lakh ka FD 5 saal mein lagbhag ₹7.36 lakh ban jayega — ₹2.36 lakh sirf interest se! Aur senior citizens ke liye yeh ₹7.50 lakh tak pahunch jata hai.
Note: Yeh monthly compounding par based estimate hai. Har institution ki apni compounding methodology hoti hai — actual maturity thodi upar-neeche ho sakti hai. Apna exact calculation free FD calculator par kariye.
Apni FD Calculate Karein
Apna amount, rate aur tenure daal kar exact maturity dekhein — free!
FD Calculator →FD Karwate Waqt Ye 5 Baatein Dhyaan Rakho
Rate dekhkar turant FD karwane se pehle yeh 5 points check kar lijiye:
- Sabse lamba tenure ≠ hamesha sabse zyada rate. Kabhi-kabhi 2-3 saal ke tenure par 5 saal se zyada rate milta hai. Rate table dhyan se dekhiye. FD laddering strategy (alag-alag tenure par FD todna) bhi consider kariye — is par humara detailed guide padhiye.
- Senior citizen premium har jagah alag hai. Kahin 0.40 pp, kahin 0.50 pp. Agar aap 60+ hain, to senior-specific rates zaroor compare kariye.
- Small finance banks zyada rate dete hain — lekin limit ka dhyan rakhein. DICGC insurance sirf ₹5 lakh tak (principal + interest) cover karti hai per bank. Isse zyada amount ek hi bank mein mat rakhein.
- Renewal rates naye bookings se zyada hote hain. Bajaj Finance renewal par +0.10 pp extra deta hai. Agar aapki FD mature hone wali hai, to renewal option zaroor check kariye.
- TDS ka hisaab rakhein. FD interest par ₹50,000 (regular) ya ₹1,00,000 (senior citizen) se zyada annual interest par 10% TDS kat-ta hai (Budget 2025 se badhe hue limits). Agar aapki total income taxable limit se kam hai, to Form 15G/15H submit karke TDS bacha sakte hain.
Abhi FD Karwau Ya Wait Karu?
Yeh sabse common sawal hai — aur iska koi perfect answer nahi hai. Lekin kuch practical points hain:
- December 2026 mein RBI ki next MPC meeting hai. Stance "calibrated tightening" hai — matlab aur hike possible hai. Agar hike hota hai, to FD rates aur badh sakte hain.
- Lekin rate ka peak pakadne ki koshish mat kariye. Koi nahi jaanta ki peak kab aayega. "Thoda aur wait" karte-karte aksar log achha rate miss kar dete hain.
- Smart approach: laddering. Paisa ek saath ek FD mein mat daaliye. 1 saal, 2 saal, 3 saal, 5 saal — alag-alag tenure mein baant dijiye. Isse aapko har saal kuch FD mature hogi, aur aap prevailing rate par renew kar payenge.
- Agar aapko 7.75% mil raha hai aur aapka emergency fund sorted hai — to lambi tenure par lock-in karna bura idea nahi hai.
Bottom line: Perfect timing ka wait mat kariye. Apni zaroorat ke hisab se staggered approach apnaiye.
Rate hike ka asar sirf FD par nahi padta — ₹40 lakh home loan par kitni EMI banegi, ye bhi badal jata hai. Aur agar long-term soch rahe ho to 2030 tak boom karne wale 10 sectors par humara guide bhi padh lo — paisa kahan lagana hai, thoda clear ho jayega.
Aksar Puche Jaane Wale Sawal (FAQ)
Q: RBI repo rate hike ke baad FD rates kyun badhte hain?
Jab RBI repo rate badhata hai, to banks ke liye paisa mehenga ho jata hai. Deposits attract karne ke liye banks aur NBFCs FD rates badhate hain. Lekin har institution apne time par rate revise karta hai — koi fixed timeline nahi.
Q: October 2026 mein sabse zyada FD interest kaun de raha hai?
8 October 2026 tak: Bajaj Finance senior citizens ko 8.15% tak de raha hai (regular 7.75%). Small finance banks mein Utkarsh 8.10% tak deta hai. Bade banks (SBI, HDFC, ICICI) abhi 6.45–6.90% range mein hain.
Q: Senior citizens ko FD par kitna extra interest milta hai?
Aksar 0.40–0.50 percentage points extra milta hai. Bajaj Finance mein senior citizens ko 8.15% milta hai (regular 7.75% ke mukable). Bade banks mein bhi 0.50 pp ka senior premium common hai.
Q: Bajaj Finance FD safe hai?
Bajaj Finance ki FDs ko CRISIL AAA/Stable aur ICRA AAA/Stable rating mili hai — yeh highest safety rating hai. Lekin dhyan rahe: NBFC FDs par bank FDs jaisi DICGC insurance (₹5 lakh tak) cover nahi hoti.
Q: FD ka maturity amount kaise calculate karun?
Aap EMIHisab ke free FD calculator par apna amount, rate aur tenure daal kar exact maturity calculate kar sakte hain. Example: ₹5 lakh @ 7.75% for 5 saal = lagbhag ₹7,35,729 maturity.
Sources & References
- BusinessToday — "FD rates rise: How much will ₹5 lakh earn under Bajaj Finance's new rates?" (8 Oct 2026)
- CNBC TV18 — "Bajaj Finance raises fixed deposit interest rates by 15 to 40 basis points" (7 Oct 2026)
- BusinessToday — "Bajaj Finance raises FD rates by up to 40 bps" (7 Oct 2026)
- Goodreturns — RBI repo rate / SBI, HDFC, ICICI, Bajaj FD rates (7 Oct 2026)
- Moneycontrol — "Bajaj Finance raises FD rates by up to 40 bps after RBI repo rate hike" (7 Oct 2026)
- The Hindu BusinessLine — "The Latest Fixed Deposit Interest Rates: Oct 02, 2026"
- Moneycontrol — "FD rates by major banks: Know where you can earn up to 8.25% interest" (2 Oct 2026)
- ET Now — "Bajaj Finance hikes FD rates after RBI repo rate increase" (7 Oct 2026)
FD rates 8 October 2026 tak ke hain — rates frequently change hote hain. Booking se pehle institution ki official website par latest rates verify kar lijiye. Calculations monthly compounding par based estimates hain.