Financial Asset

Discover how financial assets can help you reach your money goals—whether it is saving safely, building wealth, or earning a steady income. Start with a fixed deposit and explore more as you grow.
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Financial Asset
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3 min
17-April-2025

Whether you are saving for your child’s education, dreaming of a new home, or just building a financial safety net, your goals matter. And while everyone's journey is different, the one thing that stays constant is the need to grow your money, safely and smartly.

This is where financial assets come in. They are not some complicated financial jargon—they are tools designed to help you reach those money goals. From fixed deposits and mutual funds to stocks and bonds, they are how you put your money to work.

Which financial asset is right for you?

Let’s make this simple. Match your financial goal to the right kind of asset—no guesswork needed.

Your Goal

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Why It Works

Save safely with zero risk

Fixed Deposits (FDs)

Guaranteed returns, no market risk—earn up to 8.60% p.a. with Bajaj Finance. Check more details here.

Earn passive income

Bonds, Dividend Stocks

Provide regular interest or dividend payouts

Grow your wealth

Mutual Funds, Stocks

Higher long-term returns, market-linked growth

Save for retirement

EPF, PPF, NPS

Tax benefits, long-term compounding

Enter real estate without big cost

REITs

Get real estate exposure without buying property


If you are just starting your financial journey, a Fixed Deposit is a smart way to begin. It offers safety, predictability, and peace of mind—no surprises, just growth. With Bajaj Finance, you can earn returns of up to 8.60% p.a., with zero market risk. Open an FD Account.

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Special tenure of 18, 22, 33, 42 and 44 months offered for higher returns
  5. Up to 0.40% p.a. extra interest offered for senior citizens
  6. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

How do these actually work?

Okay, so now you know which financial asset might suit your goal—but how do they really work?

Let us go beyond definitions and look at real-life examples.

  • Ramesh is a 38-year-old salaried professional. He puts Rs. 50,000 in a Bajaj Finance Fixed Deposit for 5 years. He got 7.85% interest per annum, guaranteed. After 5 years, he walks away with more than Rs. 72,958. His money stayed safe, and it grew. That’s a financial asset working with zero market risk.

    If you are also someone like Mahesh who does not want to deal with market ups and downs, Fixed Deposits are your safe zone. You know exactly how much you will earn, and when. Check out FD rates now.

  • Priya, a 28-year-old designer, owns 10 shares of TCS. The company performs well, and the stock price rises. Over time, her investment gains value. She also receives dividends. That’s another financial asset—this one comes with market risk, but also higher growth potential.

  • Zoya, just starting her career, sets up a SIP of Rs. 2,000/month in a mutual fund. Over 10 years, she’s invested Rs. 2.4 lakh. But thanks to compounding and market growth, assuming 12% returns, her corpus grows to Rs. 4.64 lakh. That is the magic of consistent investing in financial assets.

These examples show that financial assets are not abstract. They are how everyday people turn small steps into long-term progress.

How do I get started, without feeling overwhelmed?

You do not need to be an expert—or rich—to start investing in financial assets.

A great first step is opening a Bajaj Finance Fixed Deposit. You can start with as little as Rs. 15,000, choose a tenure that suits you (from 12 to 60 months), and enjoy returns up to 8.60% p.a.

No market knowledge needed. Just your PAN, Aadhaar, and 5 minutes. Book your FD in 5 minutes!

Fixed deposit variants

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
New Product

FD Max

INTEREST RATES UP TO
8.60% p.a.
Invest Online

Digital FD Only on App/Web

INTEREST RATES UP TO
8.60% p.a.
Invest Online

42 months

INTEREST RATES UP TO
8.60% p.a.
Open FD

FD - Age below 60

INTEREST RATES UP TO
8.35% p.a.
Open FD

FD - Senior Citizen

INTEREST RATES UP TO
8.60% p.a.
Open FD

FD – Special Tenure

INTEREST RATES UP TO
8.60% p.a.
Open FD

What are the benefits—and the trade-offs?

Let us keep it simple:

Pros of financial assets:

  • Help your money grow faster than traditional savings

  • Some assets (like FDs) offer guaranteed returns

  • Provide income, liquidity, and long-term value

  • Beat inflation and help achieve bigger financial goals

Things to watch for:

  • Some assets (like stocks or mutual funds) carry market risk

  • Returns are not always guaranteed (except with tools like FDs)

  • You may need to stay invested longer to see real gains

Unlike many options, Fixed Deposits give you clarity from day one. No surprises, no stress. Start by calculating your potential return with the FD calculator and then who do not you Open an FD Account.

So, what should I do next?

Let us recap—because clarity leads to action.

Define your goal. What are you saving or investing for?

Pick a financial asset that matches that goal—FDs for safety, SIPs for long-term growth, bonds for passive income, etc.

Take the first step today. Even Rs. 100 is enough to begin. The sooner you start, the more time your money gets to grow.

The earlier you begin, the more your money can grow. The hardest part is starting. But once you do, it gets easier. Remember, the most successful investors aren’t the ones who know everything—they’re the ones who started early and stayed consistent.

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

Investment Calculator

Fixed Deposit Calculator

SSY Calculator

PPF Calculator

Recurring Deposit Calculator

PF Calculator

Gratuity Calculator

Frequently asked questions

Is a financial asset an asset?

Yes, a financial asset is a type of asset. It represents a claim on future cash flows or ownership in another entity. Examples include stocks, bonds, and bank deposits.

Is a loan a financial asset?

Yes, for the lender, a loan is a financial asset. It represents the right to receive future payments (principal and interest) from the borrower.

Is a cheque a financial asset?

Technically, a cheque itself is not a financial asset. It is a negotiable instrument that represents an order to a bank to pay a specific amount. However, the bank deposit it draws from is a financial asset.

Is a financial asset an inventory?

No, a financial asset is not considered inventory. Financial assets include stocks, bonds, and bank deposits, whereas inventory refers to goods held for sale or production in a business.

What are the three financial assets?

The three primary financial assets are stocks, bonds, and cash equivalents. Stocks represent ownership in a company, bonds are debt instruments, and cash equivalents are short-term, highly liquid investments like Treasury bills.

What are total financial assets?

Total financial assets encompass all investments including stocks, bonds, mutual funds, bank deposits, and other financial instruments. These assets collectively represent the total value of an individual's or institution's holdings in the financial markets.

Is currency a financial asset?

Yes, currency is a financial asset. It includes physical money like coins and banknotes as well as funds held in bank accounts, representing a medium of exchange and a store of value.

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Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

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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.