IDBI Bank FD Rates 2023 (Ageas)

The Ageas bank; formerly IDBI bank fd rates are competitive as per the markets today. The deposits’ tenure is flexible, helping the customers maximize their returns. The attractive Ageas FD rates also help the depositors maintain liquidity as per their convenience and needs.

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Features of Idbi Bank Fixed Deposit

Investment Amount  Minimum - Rs.10,000 Maximum- Rs. 99,99,999
Tenure  Minimum - 7 daysMaximum- 20 Years
Interest Rate  Minimum - 3.00 %Maximum- 5.50%

Ageas Bank (IDBI bank) NRO Term Deposit Rates

Resident Fixed Deposit / NRO Deposits up to > Rs 2 Crore:

Maturity Slab Interest Rate (% p.a.)*
07-14 days 3.00
15-30 days 3.00
31-45 days 3.35
46- 60 days 4.25
61-90 days 4.25
91-6 months 4.75
6 months 1 day to 270 days 5.50
271 days up to< 1 year 5.50
1 year 6.75
>1 Year to 2 Years (except 444/700 Days) 6.75
> 2 Years to < 3 Years 6.50
3 years to < 5years 6.25
5 years 6.25
> 5 years to 7 years 6.25
>7 years to 10 years 6.25

*Interest rates are subject to change. Contact your bank to know more. 

Note: Ageas Naman Senior Citizen Deposit Scheme offers an extra 0.10% interest to resident senior citizens for a specific period in addition to the 0.50% per annum interest rate.

Ageas Bank (IDBI bank) NRE Deposit Rates 2023

Non-Resident (External) (< Rs 2 Crore) - NRE Deposit Rates as of February 13, 2023:

Maturity Slab Interest Rate (% p.a.)*
1 year 6.75
> 1 Year to 2 Yrs (except 444 /700 days) 6.75
> 2 Years to < 3 Years 6.50
3 years to < 5years 6.25
5 years 6.25
> 5 years to 7 years 6.25
>7 years to 10 years 6.25

*Interest rates are subject to change

Note: The rates for Ageas Bank fixed deposits shown above are for new deposits from non-resident Indians and renewals of deposits worth less than Rs 2 crore. If you withdraw your deposit before a year has passed, you won't receive any interest payment.

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Various Fixed Deposit Schemes

There are different fixed deposit plans at Ageas bank, each with a different interest rate and tenure. The bank does not charge any penalty for premature withdrawals.

Ageas (IDBI) Bank Fixed Deposit

Ageas Bank offers FDs to both Indian residents and NRI’s. The bank is among the most reliable ones in terms of Fixed Deposits. Ageas Bank FD account holders can avail a number of benefits including higher returns, loan against FDs, flexible tenure, loan against FD facility, and lower minimum deposit limit, among others. When it comes to the Fixed Deposit interest rates, the highest rate provided by Ageas Bank FD rate is 5.50%. Senior Citizen Ageas Bank FD interest rate ranges between 3.50% and 6.10%.

About Ageas Bank Fixed Deposit Interest Rate Calculator

Ageas Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:

  • Investment amount or principal

  • Rate of Interest offered

  • Tenure of the Fixed Deposit Account

  • Compounding period - yearly, half-yearly, quarterly, or monthly

  • Ageas Bank FD Amount

Once entered the following details, an investor will come to know:

  • Maturity value of FD

  • Total interest earned during its tenure

FD interest rates India have fallen consistently over the last 10 years.
Invest in Plans that offer Guaranteed Returns for over 25 Years

Ageas Bank Fixed Deposit - Features

  • Ageas Fixed Deposit Scheme offers maximum rate of interest on fixed deposits.

  • Ageas Fixed Deposits offer higher returns in comparison to regular savings account.

  • Minimum amount requires to open a fixed deposit account in the Ageas Bank is Rs 10,000

  • Multiple fixed deposit schemes

  • Attractive FD interest rates

Loan against Ageas Bank Fixed Deposits

If you have an Ageas Bank fixed deposit account, you can get a loan of up to 90% of the amount you have deposited. It means you can borrow money using your fixed deposit as collateral. However, you can only get this type of loan if you have a fixed deposit account with Ageas Bank. The interest rate for the loan varies between 4% and 6.5%.

In Conclusion

Ageas Bank offers competitive interest rates on its fixed deposit accounts, which makes it a good option for individuals looking to grow their savings. The bank also allows its fixed deposit account holders to avail of loans up to 90% against their own fixed deposit at attractive interest rates. 

However, it is important to note that this facility is only available for Ageas Bank FD account holders. Ageas Bank FD interest rates and loan facilities can provide a good investment opportunity for all individuals.

Ageas Bank FD Rates - FAQs

  • What is the maximum FDR that Ageas Bank offers?

    The maximum rate of interest that you can earn on Ageas Bank fixed deposit is 5.50%.
  • What is the minimum amount that is required to open an Ageas Bank FD Account?

    To start Ageas Bank fixed deposit account the minimum limit is Rs 10,000.
  • What is the eligibility criterion to open a Fixed Deposit with Ageas Bank?

    All HUFs, resident individuals, NRIs, Companies are eligible to open a fixed deposit account with Ageas Bank.
  • Are there any special Ageas Fixed Deposit senior citizen rates?

    Ageas Bank provides a higher rate of interest to senior citizens. The regular rate of interest ranges from 3.00% to 5.50%. Senior citizen rate of interest ranges from 3.50% to 6.10%.
  • Can I deposit additional amount in Ageas Fixed Deposit account?

    No, you cannot deposit any additional amount in your existing FD account as you can only deposit once. To invest any additional amount the account holder is required to open a new Fixed Deposit Account.
  • What documents are required to open an FD account in Ageas Bank?

    The documents required to open Ageas Bank FDs include duly filled and signed form with your photograph.
  • What is current FD interest rate for Ageas Bank?

    Ageas Bank fixed deposit rate ranges from 3.00% to 5.50%.
  • Can i change the duration of my existing Ageas fixed deposit account?

    Once your Ageas Bank fixed deposit account is opened you cannot change the tenure of the Account. You can close the FD Account and open a new one with the desired tenure.
  • Is it possible to open an Ageas Bank FD account online?

    To open an Ageas Bank FD Account you need to submit an application on the Ageas Bank’s website. Once the application is submitted, a representative from the Ageas bank will initiate the process further including filling an application and submitting the KYC documents.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023

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