Mahindra Finance Fixed Deposits (2025)
Looking for a fixed deposit that combines India’s highest safety rating with returns up to 8.35%? Mahindra Finance Fixed Deposits deliver exactly that – CRISIL FAAA-rated security with better-than-bank interest rates.
Quick Answer: Why Mahindra Finance FDs Stand Out
Highest Safety Rating: CRISIL FAAA rated FDs indicate the highest level of safety
Superior Returns: Interest rates up to 8.10% p.a. for regular investors
Senior Citizen Bonus: Additional 0.25% p.a. interest rate for senior citizens
Low Entry Barrier: Start investing with just ₹5,000
Trusted Legacy: 34+ years of reliable service by Mahindra Group
About Mahindra Finance: Your Trusted Investment Partner
Mahindra & Mahindra Financial Services Limited isn’t just another NBFC – it’s a powerhouse backed by India’s $19.4 billion Mahindra Group. Since 1991, this financial giant has been transforming investment dreams into reality.
Company Highlights:
- ₹85,000+ crore Assets Under Management
- 1,400+ offices pan-India
- 8+ million satisfied customers
- ₹35,000+ crore market capitalization
- ₹19,000+ crore net worth
- Listed on NSE & BSE
Credit Ratings That Speak Volumes
CRISIL has reaffirmed ratings at ‘CRISIL AA+/FAAA/Stable/CRISIL A1+’, placing Mahindra Finance FDs in the highest safety category. The FAAA rating indicates the highest degree of safety with minimal risk.
Mahindra Finance FD Interest Rates 2025
Current Interest Rate Structure
Tenure | Regular Rate | Senior Citizen Rate |
12 months | 7.50% p.a. | 7.75% p.a. |
15 months | 7.75% p.a. | 7.85% p.a. |
24 months | 7.80% p.a. | 8.05% p.a. |
30 months | 7.90% p.a. | 8.00% p.a. |
36 months | 8.10% p.a. | 8.35% p.a. |
42 months | 8.05% p.a. | 8.15% p.a. |
48 months | 8.05% p.a. | 8.30% p.a. |
60 months | 8.10% p.a. | 8.35% p.a. |
Investment Options to Match Your Financial Goals
Cumulative Fixed Deposit
Perfect for: Wealth building and long-term goals
- Interest compounds and paid at maturity
- Maximum growth through compounding effect
- Higher effective yields over time
- Ideal for building corpus for future needs
Non-Cumulative Fixed Deposit
Perfect for: Regular income seekers
- Choose monthly, quarterly, or annual interest payouts
- Steady cash flow throughout investment tenure
- Perfect for retirees and regular income planning
- Flexible payout frequency options
Why Smart Investors Choose Mahindra Finance FDs
Unmatched Safety Features
- FAAA Rating: India’s highest safety grade
- RBI Regulated: Full regulatory compliance
- Group Backing: Mahindra Group’s financial strength
- Track Record: 34+ years of timely payments
Superior Returns vs Traditional Options
- Better than Banks: Rates up to 1-2% higher than major banks
- Tax Efficiency: TDS deducted only if interest > ₹40,000 annually
- Compounding Benefit: Quarterly compounding in cumulative scheme
Investor-Friendly Features
- Low Minimum: Start with just ₹5,000
- Flexible Tenures: 12 to 60 months options
- Easy Liquidity: Premature withdrawal after 3 months
- Loan Facility: Borrow up to 75% of FD value
- Auto-Renewal: Hassle-free reinvestment
Who Should Invest in Mahindra Finance FDs?
Conservative Investors
Seeking capital protection with decent returns
Senior Citizens
Want regular income with safety assurance
First-Time FD Investors
Looking for better returns than traditional bank FDs
Portfolio Diversifiers
Adding stable, rated instruments to investment mix
Goal-Based Planners
Saving for specific future needs (education, marriage, retirement)
Investment Process Made Simple
Step 1: Choose Your Scheme
- Cumulative for growth
- Non-cumulative for income
Step 2: Select Tenure & Amount
- Minimum: ₹5,000
- Maximum: No upper limit
- Tenure: 12-60 months
Step 3: Complete Documentation
- PAN Card (mandatory)
- Address proof
- Nomination details
- Banking information
Step 4: Book Through Finzace
- Visit Finzace platform
- Compare FD options
- Complete seamless booking process
- Get expert guidance and support
Tax Implications You Should Know
TDS Deduction: 10% if annual interest exceeds ₹40,000
Tax Planning: Senior citizens get ₹50,000 exemption limit
Form 15G/15H: Submit if total income below taxable limit
Interest Income: Taxable as per individual tax slab
Real Investor Benefits: Calculate Your Returns
Example 1: Regular Investor
Investment: ₹2,00,000 for 36 months at 8.10% p.a.
Maturity Amount: ₹2,53,243
Total Interest: ₹53,243
Example 2: Senior Citizen
Investment: ₹2,00,000 for 36 months at 8.35% p.a.
Maturity Amount: ₹2,54,799
Total Interest: ₹54,799
Extra Benefit: ₹1,556 more than regular rate
FAQs About Mahindra Finance Fixed Deposits
Q: Are Mahindra Finance FDs safe?
A: Yes, absolutely. Mahindra Finance Fixed Deposits have CRISIL Rating FAAA which indicates the highest level of safety.
Q: What’s the minimum investment amount?
A: You can start investing with just ₹5,000.
Q: Can I withdraw my FD before maturity?
A: Yes, premature withdrawal is allowed after completing 3 months from the investment date.
Q: How often is interest paid in non-cumulative FDs?
A: You can choose monthly, quarterly, or annual interest payouts based on your preference.
Q: Do senior citizens get additional benefits?
A: Yes, senior citizens get an additional interest rate of 0.25% on all schemes.
Q: Is there a loan facility against FD?
A: Yes, you can avail loans up to 75% of your FD value at competitive rates.
Bottom Line: Make Your Money Work Harder
Mahindra Finance Fixed Deposits offer the perfect blend of safety, returns, and flexibility that modern investors demand. With FAAA rating ensuring your capital protection and rates up to 8.35% maximizing your returns, these FDs clearly outshine traditional banking options.
Whether you’re planning for retirement, saving for your child’s education, or simply want your money to grow safely, Mahindra Finance FDs provide a reliable path to achieve your financial goals.
Why choose Finzace for your investment? As India’s leading fintech platform specializing in bonds, fixed deposits, and digital gold, Finzace offers you a seamless investment experience with competitive rates, transparent processes, and dedicated customer support.
Ready to invest? Book your Mahindra Finance Fixed Deposit through Finzace – India’s trusted fintech platform for bonds, fixed deposits, and digital gold. Get competitive rates, seamless booking, and expert guidance all in one place.
Disclaimer: Interest rates are subject to change. Please verify current rates before investing. Investments are subject to market risks and company-specific risks.
Invest Smart. Invest Safe. Invest through Finzace.
