Axis Bank offers the following Axis NRI FD Rates Schemes for its customers:
- Axis NRE FD Rates Scheme
- Axis NRO FD Rates Scheme
- Axis FCNR Rates Scheme
It is essential to know that Axis NRE Bank FD Rates do not apply to NRI senior citizens and are exclusive only to Senior Citizens residing in India. Also, the minimum tenure for the NRE deposit interest rates is 1 year.
Difference Between NRE, NRO, and FCNR (B) Accounts
It is essential to know the difference between the 3 NRI FD account types before depositing the money:
| Particulars |
NRE Account |
NRO Account |
FCNR-B Account |
| Account Purpose |
Income earned in a foreign country is deposited in an Axis NRE account. |
Income earned in India by NRIs is deposited in an Axis NRO account. |
Income earned in foreign currency is deposited in the Axis FCNR (B) Deposit account. |
| Account Type |
Savings account, Recurring, or Current |
Savings, Recurring, or Current |
Fixed Deposit accounts with a 1-year minimum tenure |
| Currency denomination |
Indian Rupee |
Indian Rupee |
AUD, CAD, CHF, EUR, GBP, HKD, JPY, SGD, USD |
| Joint holding facility |
It can be held with other NRIs. |
It can be held with other Indian residents or NRI. |
It can be held with other NRIs. |
| Repatriation Facility |
Balance is fully repatriable. |
Interest earned is fully repatriated. |
Interest earned, and the principal amount is fully repatriable. |
| Taxability |
Tax is exempted from the interest income. |
Interest income is taxable. |
Tax is exempted from the interest income. |
Axis NRE FD Rates for Less Than ₹ 3 Crores
| Tenure |
General Citizens |
| 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 |
6.45% |
| 2 years < 3 years |
6.45% |
| 3 years < 5 years |
6.45% |
| 5 years to 10 years |
6.45% |
*Axis NRE FD Rates w.e.f. 22nd December 2025
Axis NRE FD Rates for ₹ 5 Cr to ₹ 10 Cr
| Tenure |
General Citizens |
| 1 year – 1 year 10 days |
6.15% |
| 1 year 11 days < 13 months |
6.15% |
| 13 months < 15 months |
6.15% |
| 15 months < 18 months |
6.50% |
| 18 Months < 2 years |
6.60% |
| 2 years < 3 years |
6.60% |
| 3 years < 5 years |
6.60% |
| 5 years to 10 years |
6.60% |
*Axis NRE FD Rates w.e.f. 22nd December 2025
Axis NRO FD Rates for Less Than ₹ 3 Crores
| Tenure |
General Citizens |
| 7 days to 14 days |
3.00% |
| 15 days to 29 days |
3.00% |
| 30 days to 45 days |
3.25% |
| 46 days to 60 days |
4.00% |
| 61 days - 87 days |
4.00% |
| 88 days – 3 months 24 days |
4.50% |
| 3 months 25 days < 4 months |
4.50% |
| 4 months < 6 months |
4.50% |
| 6 months < 9 months |
5.50% |
| 9 months < 1 year |
5.75% |
| 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 |
6.45 % |
| 2 years < 3 years |
6.45% |
| 3 years < 5 years |
6.45% |
| 5 years to 10 years |
6.45% |
*Axis NRO FD rates w.e.f. 23rd December 2025
Axis NRO FD Rates for above Rs. 3 Crores to Rs. 5 Crores
| Tenure |
General Citizens |
| 7 days to 14 days |
4.00% |
| 15 days to 29 days |
4.00% |
| 30 days to 45 days |
4.75% |
| 46 days to 60 days |
4.80% |
| 61 days - 87 days |
4.90% |
| 88 days – 3 months 24 days |
5.00% |
| 3 months 25 days < 4 months |
4.25% |
| 4 months < 6 months |
5.80% |
| 6 months < 9 months |
5.90% |
| 9 months < 1 year |
6.00% |
| 1 year – 1 year 10 days |
6.15% |
| 1 year 11 days < 13 months |
6.15% |
| 13 months < 15 months |
6.15% |
| 15 months < 18 months |
6.50% |
| 18 Months < 2 years |
6.60% |
| 2 years < 3 years |
6.60% |
| 3 years < 5 years |
6.60% |
| 5 years to 10 years |
6.60% |
*Axis NRO FD rates w.e.f. 23rd December 2025
Axis FCNR (B) DEPOSITS RATES
| Maturity Period |
USD |
GBP |
EURO |
AUD |
CAD |
JPY |
| Below 1 million |
1 Million & above |
| 1 year to less than 2 years |
4.00 |
4.00 |
4.25% |
1.65% |
3.75% |
2.65% |
0.01% |
| 2 years to less than 3 years |
3.50 |
3.50 |
3.80% |
0.01% |
3.60% |
2.50% |
0.01% |
| 3 years to less than 4 years |
3.25 |
3.25 |
0.01% |
0.01% |
3.15% |
2.25% |
0.01% |
| 4 years to less than 5 years |
3.25 |
3.25 |
0.01% |
0.01% |
3.15% |
2.15% |
0.01% |
| 5 years |
3.25 |
3.25 |
0.01% |
0.01% |
2.95% |
1.95% |
0.01% |
FCNR (B) DEPOSITS Rates w.e.f. 10th December 2025
Conclusion
Axis Bank NRI Fixed Deposits, offered through NRE, NRO, and FCNR accounts, provide NRIs with secure, hassle-free options for depositing income and earning competitive returns in India. The key to maximizing your benefit is to carefully assess your source of funds and repatriation needs to select the specific Axis Bank NRI Fixed Deposit type (NRE, NRO, or FCNR) that can align with your financial goals.
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