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Axis Bank FD Interest Rates
Axis Bank FD rates range from 3.00% p.a. to 6.50% p.a. for general depositors and from 3.50% p.a. to 7.25% p.a., effective from w.e.f. 01st July 2026 for deposits below ₹3 crore. The Axis Bank senior citizen rates are generally 0.50% p.a. additional on each deposit, except for deposits from 5 years to 10 years.
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Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
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FD Interest Rates
- Axis Bank FD Rates
Axis Bank FD Interest Rates (Below ₹3 Crore)
The highest Axis Bank FD rate 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, effective from 01st July, 2026 (last verified in October 2026):
| 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. 01st July 2026*
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:
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RBI Repo Rate: RBI monetary policy and market interest rates can influence the bank’s FD rates. With the rise in the repo rate, Axis Bank 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.
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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.
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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 take deposits and so may cut FD rates. In a liquidity constraint scenario, banks could attract depositors by offering them a higher interest rate.
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Inflation Levels: If there is a high level of inflation that is affecting purchasing power, it may affect the returns of the FD. Inflation and broader economic conditions can indirectly influence interest-rate expectations and deposit pricing.
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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 rates like others.
Axis Bank FD Rates for Deposits of ₹3 Crores to ₹5 Crores
Axis Bank have revised its FD rates for ₹3 crore and above (Bulk Deposits) effective from w.e.f. 12th October 2026 (last verified in October 2026). The highest rate is 6.25% p.a. for general depositors on 3 years to 5 years and 6.80% p.a. for senior citizens on tenure of 5 years to 10 years.
| Maturity Period | General Citizens (p.a.) | Senior Citizens (p.a.) |
|---|---|---|
| 7–14 days | 3.40% | 3.90% |
| 15–29 days | 3.40% | 3.90% |
| 30–45 days | 4.15% | 4.65% |
| 46–60 days | 4.40% | 4.90% |
| 61–87 days | 4.45% | 4.90% |
| 88 days–3 months 24 days | 5.15% | 5.65% |
| 3 months 25 days < 4 months | 3.75% | 4.25% |
| 4 months < 6 months | 5.15% | 5.65% |
| 6 months < 9 months | 5.40% | 5.90% |
| 9 months < 1 year | 5.65% | 6.15% |
| 1 year–1 year 10 days | 6.15% | 6.65% |
| 1 year 11 days < 13 months | 6.15% | 6.65% |
| 13 months < 15 months | 6.15% | 6.65% |
| 15 months < 18 months | 6.15% | 6.65% |
| 18 months < 2 years | 6.20% | 6.70% |
| 2 years < 3 years | 6.15% | 6.65% |
| 3 years < 5 years | 6.25% | 6.75% |
| 5 years–10 years | 6.05% | 6.80% |
*Axis Bank Bulk FD interest rates w.e.f. 12th October 2026
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 Axis FCNR deposit rates are based on the foreign currency and tenure.
NRE Fixed Deposit
The Axis Bank NRE FD rates below apply to deposits w.e.f. 01st July 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. 01st July, 2026
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% p.a. to 7.25% p.a., depending on the tenure.
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 rate as of 01st July 2026. These rates are subject to the bank's prevailing FD rate schedule and applicable terms and conditions.
Axis Bank FD Rates 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
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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. -
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. -
How much extra interest do senior citizens get on Axis Bank FDs?
Senior citizens generally get 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 become financially strong. -
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. The rate is subject to change as per the prevailing FD rates of Axis Bank. -
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 depositors 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.
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10 Feb 2026
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ