Axis Bank offers FD interest rates ranging from 3.00% to 7.05% per annum, depending on the deposit amount and tenure. You can choose a deposit period from 7 days to 10 years, based on your financial needs. Senior citizens get an extra interest rate of 0.5% to 0.75% on all tenures. Read on to understand more about the Axis Bank FD interest rates in 2025.
Axis Bank Fixed Deposit is a secure savings option where you invest a fixed amount and earn interest over a set period. It suits both regular and senior citizens, offering stable returns without market risks. The minimum deposit starts from ₹5,000 (if you book the FD online), making it accessible for most investors. For opening an FD offline, the minimum deposit amount is ₹10,000. With a fixed interest rate throughout the term, fixed deposits let you grow your savings while ensuring capital protection.
You can enjoy several useful benefits when you open an Axis Bank FD. A few of them are explained below:
You earn a guaranteed rate of interest that does not change during the deposit period, providing predictable earnings.
You can choose how long to keep your money invested in an Axis Bank FD, from as little as 7 days up to 10 years, depending on your financial plans.
If you are a senior citizen, you get around 0.50% more interest than regular customers, allowing you to earn more from your savings.
Axis Bank offers a range of FD types, such as Regular FD, Digital FD, and Tax Saver FD under Section 80C, so you can select the one that best suits your needs.
You are allowed to withdraw your FD before maturity if required, although a 1% penalty on interest earned may apply for early closure.
Instead of breaking your FD in an emergency, you can take out a loan. If you take a loan on an Axis Bank FD, you will have to pay an additional 2% interest on top of your applicable FD interest rate (for both general and senior citizens).
This is part of the ‘Encash 24’ facility. If your savings account balance goes above ₹25,000, the extra money is moved to an FD in ₹5,000 multiples. You earn higher interest rates compared to savings accounts.
If your savings account goes below ₹25,000, money is moved back from the FD in multiples of ₹5,000. You get the needed amount while the rest of the FD keeps earning interest.
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.
| Maturity Period | General (p.a.) | Senior Citizens (p.a.) |
| 7 – 14 days | 3.00% | 3.50% |
| 15 – 29 days | 3.00% | 3.50% |
| 30 – 45 days | 3.50% | 4.00% |
| 46 – 60 days | 4.25% | 4.75% |
| 61 – 87 days | 4.25% | 4.75% |
| 88 days – 3 months 24 days | 4.75% | 5.25% |
| 3 months 25 days – < 4 months | 4.75% | 5.25% |
| 4 months – < 6 months | 4.75% | 5.25% |
| 6 months – < 9 months | 5.75% | 6.25% |
| 9 months – < 1 year | 6.00% | 6.50% |
| 1 year – 1 year 10 days | 6.50% | 7.00% |
| 1 year 11 days – < 13 months | 6.50% | 7.00% |
| 13 months – < 15 months | 6.50% | 7.00% |
| 15 months – < 18 months | 6.85% | 7.35% |
| 18 months – < 2 years | 6.85% | 7.35% |
| 2 years – < 3 years | 6.75% | 7.25% |
| 3 years – < 5 years | 6.75% | 7.25% |
| 5 years – 10 years | 6.70% | 7.45% |
*Axis Bank FD interest rates w.e.f. May 26, 2025
| Maturity Period | General (p.a.) | Senior Citizens (p.a.) |
| 7 – 14 days | 4.50% | 5.00% |
| 15 – 29 days | 4.50% | 5.00% |
| 30 – 45 days | 5.50% | 6.00% |
| 46 – 60 days | 5.50% | 6.00% |
| 61 – 87 days | 5.75% | 6.25% |
| 88 days – 3 months 24 days | 6.30% | 6.80% |
| 3 months 25 days – < 4 months | 4.90% | 5.40% |
| 4 months – < 6 months | 6.30% | 6.80% |
| 6 months – < 9 months | 6.45% | 6.95% |
| 9 months – < 1 year | 6.55% | 7.05% |
| 1 year – 1 year 10 days | 6.90% | 7.25% |
| 1 year 11 days – < 13 months | 6.75% | 7.25% |
| 13 months – < 15 months | 6.75% | 7.25% |
| 15 months – < 18 months | 6.85% | 7.35% |
| 18 months – < 2 years | 6.85% | 7.25% |
| 2 years – < 3 years | 6.75% | 7.25% |
| 3 years – < 5 years | 6.75% | 7.25% |
| 5 years – 10 years | 6.70% | 7.45% |
*Axis Bank FD interest rates w.e.f. May 26, 2025
| Maturity Period | ₹5 Cr – < ₹10 Cr | ₹10 Cr – < ₹25 Cr |
| 7 – 14 days | 4.50% | 4.50% |
| 15 – 29 days | 4.50% | 4.50% |
| 30 – 45 days | 5.50% | 5.50% |
| 46 – 60 days | 5.50% | 5.50% |
| 61 – 87 days | 5.75% | 5.75% |
| 88 days – 3 months 24 days | 6.30% | 6.30% |
| 3 months 25 days – < 4 months | 4.90% | 4.90% |
| 4 months – < 6 months | 6.30% | 6.30% |
| 6 months – < 9 months | 6.45% | 6.45% |
| 9 months – < 1 year | 6.55% | 6.65% |
| 1 year – 1 year 10 days | 6.75% | 6.90% |
| 1 year 11 days – < 13 months | 6.70% | 6.70% |
| 13 months – < 15 months | 6.70% | 6.70% |
| 15 months – < 18 months | 6.65% | 6.65% |
| 18 months – < 2 years | 6.65% | 6.65% |
| 2 years – < 3 years | 6.75% | 6.75% |
| 3 years – < 5 years | 6.75% | 6.75% |
| 5 years – 10 years | 6.70% | 6.70% |
*Axis Bank FD interest rates w.e.f. May 10, 2025
To explore comparative options, check the best FD interest rates in India.
Follow these precise steps to open an FD with Axis Bank, whether you are a new or existing customer, using online or offline channels.
Log in to your Axis Bank Internet Banking or Mobile Banking App.
Go to the Fixed Deposits section.
Click on ‘Open Fixed Deposit’ or ‘Book Fixed Deposit’.
Enter the deposit amount and select the tenure (7 days to 10 years).
Add your nominee details.
Choose the FD type (cumulative, monthly payout, etc.) and interest payout option.
Confirm details and apply.
Your Axis Bank FD will be booked instantly.
Visit the official Axis Bank website and click on ‘Open Digital FD’.
Complete your digital KYC verification (via video or by uploading documents).
Fill in the FD application with the amount, tenure, nominee details, etc.
Make the online payment to activate your FD instantly.
Receive confirmation of your Fixed Deposit.
Visit the nearest Axis Bank branch.
Submit your KYC documents (for new customers only)
Fill out the Fixed Deposit application form with the deposit amount and tenure.
Make the payment through your Axis Bank account.
Collect your FD receipt and confirmation from the branch.
Minimum deposit starts from ₹5,000.
FD tenures range from 7 days up to 10 years.
Senior citizens get higher interest rates.
Interest payout options include monthly, quarterly, or cumulative.
Digital FD booking takes only about 7 minutes with video KYC.
Here’s a quick checklist of documents you will need (if you are a new customer) to open an Axis Bank Fixed Deposit either online or offline.
Government-issued photo ID like Aadhaar, PAN, Passport, Voter ID, or Driving Licence
Recent utility bill, Aadhaar, passport, or bank statement with current address
Passport-size photograph, mainly for offline application
PAN Card is mandatory for any tax or TDS purposes
Online FDs use digital KYC (video or e-KYC); offline requires physical documents
Your Axis Bank savings account or current account for crediting maturity and interest
Interest earned from Fixed Deposits with Axis Bank is taxable under the head “Income from other sources” as per your income tax slab. As per Section 194A of the Income Tax Act, the bank deducts Tax Deducted at Source (TDS) at 10% if the total interest earned in a financial year exceeds ₹50,000 for regular individuals and ₹1,00,000 for senior citizens.
To avoid higher TDS, you must submit your PAN card. Without PAN, TDS is deducted at 20%. You can claim the deducted TDS as a refund or adjust it while filing your income tax return. Tax-saving FDs offer additional benefits under Section 80C, helping reduce your taxable income.
Axis Bank Fixed Deposits provide returns over a wide range of tenures, allowing individuals to align their investments with specific financial goals. Features such as online booking, the option to get a loan against the fixed deposit, and competitive interest rates add to the convenience. Before investing, compare the Axis Bank FD Rates with other banks before making a decision.
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| TENURE | REGULAR RATES CURRENT RATES | SENIOR CITIZEN |
| 7 days to 29 days | 3.00% | 3.50% |
| 30 days to 45 days | 3.50% | 4.00% |
| 46 days to 60 days | 4.25% | 4.75% |
| 61 days to less than 3 months | 4.50% | 5.00% |
| 3 months to less than 6 months | 4.75% | 5.25% |
| 6 months to less than 9 months | 5.75% | 6.25% |
| 9 months to less than 1 year | 6.00% | 6.50% |
| 1 year to less than 15 months | 6.70% | 7.20% |
| 15 months to less than 5 years | 7.10% | 7.60% |
| 5 years to 10 years | 7.00% | 7.75% |
Axis Bank
Punjab National Bank (PNB)
State Bank of India (SBI)
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IDFC First Bank
Equitas Small Finance Bank
Ujjivan Small Finance Bank
The list of some top banks offering the highest fixed deposit rates is as follows:
| Name of Bank | FD Interest Rates (in % per annum) | |||||
| Highest FD Interest Rate by the Bank | 1-Year Tenure | 2-Year Tenure | 3-Year Tenure | 5-Year Tenure | 10-Year Tenure | |
| SBI FD Rates | 7.10% (400 days) | 6.80% | 7.00% | 6.50% | 6.50% | 6.50% |
| HDFC Bank FD Rates | 7.20% (4 years 7 months - 55 months | 6.60% | 7.00% | 7.00% | 7.00% | 7.00% |
| ICICI Bank FD Rates | 7.10%(15 months - 2 years) | 6.70% | 7.10% | 7.00% | 7.00% | 6.90% |
| Axis Bank FD Rates | 7.10%(15 months to < 5 years) | 6.70% | 7.10% | 7.10% | 7.00% | 7.00% |
| PNB FD Rates | 7.25%(444 days) | 6.75% | 6.80% | 7.00% | 6.50% | 6.50% |
The interest rate offered by Axis Bank varies greatly depending on the type of account or loan you are interested:
The FD rates Axis bank in 2025 are mentioned below:
7 days to 29 days: 3.00%
30 days to 45 days: 3.50%
46 days to 60 days: 4.25%
61 days to less than 3 months: 4.50%
3 months to less than 6 months: 4.75%
6 months to less than 9 months: 5.75%
9 months to less than 1 year: 6.00%
1 year to less than 15 months: 6.70%
15 months to less than 5 years: 7.10%
5 years to 10 years: 7.00%
* Tax adjustment considering income tax slab of 30%
** Life cover for a plan with an annualized premium of Rs 1L
+ 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
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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