1. What is the minimum amount required to open an Axis Bank FD?

Opening an Axis Bank Fixed Deposit through internet banking or the mobile app takes as little as â¹5,000. A branch visit raises that starting figure to â¹10,000. One can select an online mode or a branch mode at their convenience.

2. Can I withdraw my Axis Bank FD before maturity?

Early closure is usually allowed subject to applicable terms and penalties. Axis Bank generally provides for a reduction of 1% in the rate of premature closure applicable for eligible rupee term deposits less than â¹5 crore subject to applicable conditions.

3. How much extra interest do senior citizens get on Axis Bank FDs?

Senior citizens generally gets 0.50% more than what the general public earns. This is applicable across all different deposits for senior citizens. This preferential rate is given to senior citizens to help them at the stage of retirement to make financial strong.

4. What Is the FD for 444 Days in Axis Bank?

Axis Bank 444 Days FD Scheme provides an interest rate of 6.25% p.a. for regular customers and 6.75% p.a. for senior citizens. This option allows depositors to earn interest on their savings for the period of deposit. Rate is subject to change as per the prevailing FD rates of Axis Bank.

5. Which FD is best in Axis Bank?

The Axis Bank FD is chosen based on the amount you want to invest, the tenor and the interest rate being offered. You can compare the returns, lock-in period, and terms of withdrawal to choose an FD as per your financial objectives. Senior citizens also get an edge, since several options carry a slightly higher rate for them.

6. What is the maximum interest rate of Axis Bank FD?

The maximum FD rate in Axis bank is 6.50% p.a. for general people and 7.25% p.a. for senior citizens. These rates are applicable for a tenure of 5 years to 10 years and are subject to terms and conditions.

7. Is it possible to add funds to an existing Axis Bank FD?

No. Once booked, no further deposits can be made to a fixed deposit. Alternatively, if a depositor wants to invest more, he or she has to open a new FD in Axis Bank. One can open a new FD online or by visiting the nearest branch.

Axis Bank FD Interest Rates

Axis Bank FD rates range from 3.00% to 6.50% p.a. for general depositors. These rates are w.e.f. 19th August 2026 for tenure of 7 days to 10 years. Senior depositors get rates ranging from 3.50% to 7.25% p.a. These rates depend on the selected tenure of the investor. NRO, NRO, and FCNR deposits are also available for Non-Resident Indians.

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Axis Bank FD Interest Rates for September 2026

Below are the current Axis Bank fixed deposit rates for deposits below ₹3 crore. The rates w.e.f. 19th August 2026 is listed separately for general and senior citizens.

Tenure	General Citizens (p.a.)	Senior Citizens (p.a.)
7–14 days	3.00%	3.50%
15–29 days	3.00%	3.50%
30–45 days	3.25%	3.75%
46–60 days	4.00%	4.50%
61–87 days	4.75%	5.25%
88 days–3 months 24 days	5.00%	5.50%
3 months 25 days < 4 months	5.00%	5.50%
4 months < 6 months	5.00%	5.50%
6 months < 9 months	5.50%	6.00%
9 months < 1 year	5.75%	6.25%
1 year–1 year 10 days	6.25%	6.75%
1 year 11 days < 13 months	6.25%	6.75%
13 months < 15 months	6.25%	6.75%
15 months < 18 months	6.45%	6.95%
18 months < 2 years	6.50%	7.00%
2 years < 3 years	6.50%	7.00%
3 years < 5 years	6.50%	7.00%
5 years–10 years	6.50% (Highest)	7.25% (Highest)

*Axis Bank FD rates w.e.f. 19th August 2026.

Currently, the highest interest rate on Axis Bank FD is 6.50% p.a. for general depositors and 7.25% p.a. for senior citizens for the tenure slab of 5 years to 10 years tenure.

How Axis Bank FD Interest Rates Are Decided

FD rates at Axis Bank are not defined by a single parameter. Multiple factors are involved in it, such as:

RBI Repo Rate: RBI monetary policy and market interest rates can influence Axis Bank's FD rates. With the rise in the repo rate, the banks may raise the FD rates to allow more investors to deposit. On the other hand, if the repo rate is lowered, then the FD rates can decrease with the passage of time.
Deposit amount: Large deposits, typically those crossing a set threshold, don't follow the retail rate card. Bulk deposits give the bank more capital to work with, so a separate pricing structure often applies.
Liquidity in banks: FD rates can be affected by the liquidity of banks. If the banks have more money than they need, they may not want to get deposits and so may cut FD rates. In a liquidity constraint scenario banks could attract the depositors by offering them a higher interest rate.
Inflation Levels: If there is a high level of inflation that is affecting the purchasing power, it may affect the returns of the FD. Inflation and broader economic conditions can indirectly influence interest-rate expectations and deposit pricing.
What competitor banks are doing: Competitor rates can also influence banks' deposit pricing as they compete for deposits. Especially on senior citizen schemes and special tenure deposits. Axis Bank provides competitive FD interest rates like others.

Axis Bank FD Rates for Deposits of ₹3 Crore and Above

The Axis Bank FD rates for ₹3 crore and above (Bulk Deposits) are based on the tenure and the amount of the deposit.

Callable FD Rates (₹3 Crore to less than ₹5 Crore)

Below are the current Axis Bank Callable FD interest rates for deposits of ₹3 crore to less than ₹5 crore, with rates w.e.f. 19 August 2026 listed as per the applicable tenure.

Maturity Period	General Citizens (p.a.)	Senior Citizens (p.a.)
7–14 days	3.50%	4.00%
15–29 days	3.50%	4.00%
30–45 days	4.25%	4.75%
46–60 days	4.50%	5.00%
61–87 days	4.75%	5.25%
88 days–3 months 24 days	5.25%	5.75%
3 months 25 days < 4 months	4.25%	4.75%
4 months < 6 months	5.25%	5.75%
6 months < 9 months	5.50%	6.00%
9 months < 1 year	5.75%	6.25%
1 year–1 year 10 days	6.25%	6.75%
1 year 11 days < 13 months	6.25%	6.75%
13 months < 15 months	6.25%	6.75%
15 months < 18 months	6.50%	7.00%
18 months < 2 years	6.50%	7.00%
2 years < 3 years	6.50%	7.00%
3 years < 5 years	6.50%	7.00%
5 years–10 years	6.50% (Highest)	7.25% (Highest)

*Axis Callable FD interest rates w.e.f. 19th August 2026.

The maximum Axis Bank FD rate is 6.5% per annum for a general public and 7.25% per annum for senior citizens for the tenure of 5 years to 10 years.

Non-Callable or Fixed Deposit Plus FD Rates (₹3 Crore to less than ₹50 Crore)

Below are the current Axis Bank Fixed Deposits Plus rates for deposits of ₹3 crore to less than ₹50 crore, with rates w.e.f. 20 August 2026 listed as per the applicable tenure.

Tenure	Rate (p.a.)
30–45 days	4.25%
46–60 days	4.50%
61–87 days	4.75%–5.25%
88 days–3 months 24 days	5.90%–6.35%
3 months 25 days–<4 months	5.90%–6.35%
4 months–<6 months	5.90%–6.35%
6 months–<9 months	6.15%–6.50%
9 months–<1 year	6.20%–6.75%
1 year–1 year 10 days	6.60%–7.10% (Highest)
1 year 11 days–<13 months	6.60%–6.95%
13 months–<15 months	6.60%–6.95%
15 months–<18 months	6.60%–6.80%
18 months–<2 years	6.60%–6.80%
2 years–<3 years	6.60%–6.70%
3 years–<5 years	6.60%–6.70%
5 years–10 years	6.60%–6.70%

*Axis Bank Fixed Deposits Plus rates w.e.f. 20th August 2026.

The highest Axis Bank FD interest rate for the 1 year to 1 year 10 days tenure is 7.10% p.a.

Axis Bank Tax Saver FD Scheme

The deposit amount ranges from ₹100 to ₹1.50 lakh in a financial year, with a fixed tenure of five years. Under Section 123 of the Income Tax Act 2025 (previously Section 80C), the Axis Bank Tax Saver Fixed Deposit allows eligible deposits to claim a deduction of up to ₹1.50 lakh. Premature closure is not permitted before the completion of five years, except in cases such as the death of the depositor.

Axis Bank NRI FD Rates (NRE / NRO / FCNR)

Axis Bank NRI FD rates vary by deposit type, tenure and, for NRE and NRO deposits, the deposit amount. The NRE and NRO rates are applicable to eligible NRI depositors, while FCNR deposits have separate rates based on the foreign currency and tenure.

NRE Fixed Deposit

The Axis Bank NRE FD rates below are applicable to deposits w.e.f. 19th August 2026. maintained in Indian rupees. The rates shown are for deposits below ₹3 crore.

Tenure	Interest Rate (% p.a.)
1 year–1 year 10 days	6.25%
1 year 11 days < 13 months	6.25%
13 months < 15 months	6.25%
15 months < 18 months	6.45%
18 months < 2 years	6.50%
2 years < 3 years	6.50%
3 years < 5 years	6.50%
5 years–10 years	6.50%

*Axis Bank NRE FD rates are w.e.f. 19th August 2026.

The highest interest rate of 6.50% p.a. is applicable across the 18 months to 10 years tenure range, including all four tenure slabs listed above.

FCNR Fixed Deposit

Axis Bank FCNR (B) deposits are available in USD, GBP, EUR, AUD, CAD and JPY w.e.f. 18th August 2026. Axis Bank FCNR rates vary by currency and tenure.

Tenure	USD (% p.a.)	GBP (% p.a.)	EUR (% p.a.)	AUD (% p.a.)	CAD (% p.a.)	JPY (% p.a.)
1 year < 2 years	4.00	4.10	1.65	3.75	2.30	0.01
2 years < 3 years	3.50	3.65	0.01	3.60	2.20	0.01
3 years < 4 years	6.40	6.15	5.00	6.25	4.50	0.01
4 years < 5 years	6.40	6.15	5.00	6.25	4.50	0.01
5 years	6.40	6.15	5.00	6.25	4.50	0.01

*Axis Bank FCNR rates are w.e.f. 18th August 2026.

The highest interest rate of 6.40% p.a. is applicable across the 3-year to 5 years tenure range, covering all three tenure slabs listed above.

As per RBI guidelines, FCNR (B) deposits opened or renewed between 8 June 2026 and 31 August 2026, with a contractual tenor of 3 to 5 years, will have a mandatory one-year lock-in period from the date of opening or renewal.

Axis Bank Senior Citizen FD Rates

For deposits below ₹3 crore, Axis Bank senior citizen FD rates are 0.50% to 0.75% higher than the rates offered to regular depositors. Senior citizens aged 60 years and above can earn 3.50% to 7.25% p.a., depending on the applicable FD rate.

Axis Bank 444 Days Special FD

Axis Bank 444 Days FD Scheme gives 6.25% p.a. to general depositors and 6.75% p.a. to senior citizens, based on the applicable August 2026 rate slab. These rates are subject to the bank's prevailing FD rate schedule and applicable terms and conditions.

Axis Bank Fixed Deposit Features

Axis Bank Fixed Deposit offers safety, flexibility and guaranteed growth and hence continues to be the preferred choice of depositors with varied savings objectives.

Quarterly compounding: For FDs with a tenure of six months and above, interest is calculated quarterly. For reinvestment deposits, the interest is added to the principal for subsequent calculations.
Option to withdraw early: The Axis Bank FD premature withdrawal facility is available to withdraw the funds even before maturity period as per the applicable conditions. There may be a penalty of 1%, thus decreasing the interest rate to be paid on the commitment.
Loan or overdraft against the FD: Rather than closing a deposit for cash, depositors can consider an Axis Bank loan against FD. Interest applies only to the amount actually drawn, leaving the rest of the deposit untouched and still earning.
Auto-renewal: On maturity, depositors are not required to visit a branch or log in to renew manually. The FD can be set to renew on its own, either carrying forward just the principal or the principal together with the interest earned.
Fully digital opening: No paperwork, no branch visit. An Axis Bank FD can be opened from start to finish online using video KYC, and the entire process typically wraps up in a matter of minutes.
Insurance cover on deposits: Eligible deposits with Axis Bank are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor, subject to applicable conditions.

Axis Bank FD Calculator

Calculate your estimated returns using the Axis Bank FD calculator before investing. It is an online tool to estimate the interest earned and the maturity amount based on the deposit amount, tenure and the interest rate applicable.

FAQs

1. What is the minimum amount required to open an Axis Bank FD?

Opening an Axis Bank Fixed Deposit through internet banking or the mobile app takes as little as ₹5,000. A branch visit raises that starting figure to ₹10,000. One can select an online mode or a branch mode at their convenience.
2. Can I withdraw my Axis Bank FD before maturity?

Early closure is usually allowed subject to applicable terms and penalties. Axis Bank generally provides for a reduction of 1% in the rate of premature closure applicable for eligible rupee term deposits less than ₹5 crore subject to applicable conditions.
3. How much extra interest do senior citizens get on Axis Bank FDs?

Senior citizens generally gets 0.50% more than what the general public earns. This is applicable across all different deposits for senior citizens. This preferential rate is given to senior citizens to help them at the stage of retirement to make financial strong.
4. What Is the FD for 444 Days in Axis Bank?

Axis Bank 444 Days FD Scheme provides an interest rate of 6.25% p.a. for regular customers and 6.75% p.a. for senior citizens. This option allows depositors to earn interest on their savings for the period of deposit. Rate is subject to change as per the prevailing FD rates of Axis Bank.
5. Which FD is best in Axis Bank?

The Axis Bank FD is chosen based on the amount you want to invest, the tenor and the interest rate being offered. You can compare the returns, lock-in period, and terms of withdrawal to choose an FD as per your financial objectives. Senior citizens also get an edge, since several options carry a slightly higher rate for them.
6. What is the maximum interest rate of Axis Bank FD?

The maximum FD rate in Axis bank is 6.50% p.a. for general people and 7.25% p.a. for senior citizens. These rates are applicable for a tenure of 5 years to 10 years and are subject to terms and conditions.
7. Is it possible to add funds to an existing Axis Bank FD?

No. Once booked, no further deposits can be made to a fixed deposit. Alternatively, if a depositor wants to invest more, he or she has to open a new FD in Axis Bank. One can open a new FD online or by visiting the nearest branch.