Axis Bank offers FD interest rates ranging from 3.00% p.a. to 6.60% p.a for the general public and 3.50% p.a. to 7.35% p.a. for the senior citizens. It depends on the deposit amount and tenure, from 7 days to 10 years. Axis Bank offers Digital Fixed Deposit, Fixed Deposit Plus, and Auto Fixed Deposits are some of its main FD schemes.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
Axis Bank Fixed Deposit is a secure investment option with interest rates up to 6.60% p.a. for the general citizens and 7.35% p.a for the senior citizens. For Axis Bank FD, you can start with a minimum deposit of ₹5,000, for tenures ranging from 7 days to 10 years. The various FD schemes, such as Digital Fixed Deposit, Fixed Deposit Plus, and Auto Fixed Deposit, provide benefits like flexible deposit options, FD loans, and Sweep-in/Sweep-out facilities with higher FD interest rates. These features make it suitable for both general and senior citizens seeking safety and liquidity.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
Rs 5,000 through the online platform and Rs 10,000 for offline
No limit
7 days to 10 years
Yes, under Section 80C of the Income Tax Act
Monthly, Quarterly, or compounding at maturity
Yes, Available
The Loan Against FD facility is available
Axis Bank offers one of the highest 1-year fixed deposit interest rates at 6.60% per annum for the general citizens and 7.35% p.a for the senior citizens, making it a competitive choice among top banks.
Axis Bank FD rates vary based on the deposit tenure and amount, allowing investors to choose options that align with their financial objectives. Below is a tabular form indicating the applicable rates for different tenures and deposits of various amounts.
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.00% | 3.50% |
| 15 Days to 29 Days | 3.00% | 3.50% |
| 1 Month to 2 Months | 3.25% | 3.75% |
| 2 Months to 2 Months | 4.00% | 4.50% |
| 2 Months to 3 Months | 4.00% | 4.50% |
| 3 Months to 4 Months | 4.50% | 5.00% |
| 4 Months to 4 Months | 4.50% | 5.00% |
| 4 Months to 6 Months | 4.50% | 5.00% |
| 6 Months to 9 Months | 5.50% | 6.00% |
| 9 Months to 12 Months | 5.75% | 6.25% |
| 1 Year to 1 Year | 6.25% | 6.75% |
| 1 Year to 1.1 Years | 6.25% | 6.75% |
| 1.1 Years to 1.2 Years | 6.25% | 6.75% |
| 1.3 Years to 1.5 Years | 6.50% | 7.00% |
| 1.5 Years to 2 Years | 6.60% | 7.10% |
| 2 Years to 3 Years | 6.60% | 7.10% |
| 3 Years to 5 Years | 6.60% | 7.10% |
| 5 Years to 10 Years | 6.60% | 7.35% |
| Maturity Period | General (p.a.) | Senior Citizens (p.a.) |
| 7 – 14 Days | 4.00% | 4.50% |
| 15 – 29 Days | 4.00% | 4.50% |
| 30 – 45 Days | 4.80% | 5.30% |
| 46 – 60 Days | 5.05% | 5.55% |
| 61 – 87 Days | 5.30% | 5.80% |
| 88 Days – 3 Months 24 Days | 5.80% | 6.30% |
| 3 Months 25 Days – < 4 Months | 4.25% | 4.75% |
| 4 Months – < 6 Months | 5.80% | 6.30% |
| 6 Months – < 9 Months | 5.95% | 6.45% |
| 9 Months – < 1 Year | 6.05% | 6.55% |
| 1 Year – 1 Year 10 Days | 6.40% | 6.90% |
| 1 Year 11 Days – < 13 Months | 6.40% | 6.90% |
| 13 Months – < 15 Months | 6.40% | 6.90% |
| 15 Months – < 18 Months | 6.50% | 7.00% |
| 18 Months – < 2 Years | 6.60% | 7.10% |
| 2 Years – < 3 Years | 6.60% | 7.10% |
| 3 Years – < 5 Years | 6.60% | 7.10% |
| 5 Years – 10 Years | 6.60% | 7.35% |
*Axis Bank FD interest rates w.e.f. October 14, 2025
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDBI Bank | 3% | 6.65% |
| Indian Overseas Bank | 3.5% | 6.8% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 6.75% |
| Punjab and Sind Bank | 3% | 6.7% |
| UCO Bank | 2.75% | 5% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.65% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.05% |
| DCB Bank | 3.75% | 7.2% |
| Equitas Small Finance Bank | 3.5% | 7.4% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.8% |
| Shivalik Small Finance Bank | 3.5% | 7.3% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. November 2025 (for general public, domestic FDs < ₹3 Cr).
You can enjoy several useful benefits when you open an Axis Bank FD. A few of them are explained below:
Follow these precise steps to open an FD with Axis Bank, whether you are a new or existing customer, using online or offline channels.
If you are a new Axis Bank user, you need to first visit the website and then log in to the app, and follow the steps for better understanding.
For Both New and Existing Customers:
All Indians who are 18 years and above can open an Axis Bank FD Account. Other than that, there are a few more criteria:
Axis Bank Fixed Deposits offer a range of flexible investment options with competitive interest rates up to 6.60% p.a. for the general citizens and 7.35% p.a. for the senior citizens. Schemes like Fixed Deposit Plus, Auto Fixed Deposit, and Digital Fixed Deposit provide additional benefits such as automatic transfers from savings accounts and easy online management. With features like low minimum deposits, flexible tenures, loan facilities against FDs, and Axis Bank sweep-in FD and sweep-out FD options, it ensures both liquidity and growth for investors.
˜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 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 6.9% 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
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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