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Indian Bank FD Rates
Indian Bank FD Rates range from 2.80% p.a. to 6.65% p.a. for general depositors and from 3.30% p.a. to 7.15% p.a., effective from 04th August 2026. Senior citizens can receive an additional 0.50% p.a. on eligible deposits.
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FD Interest Rates
- Indian Bank FD Rates
Indian Bank FD Rates (Below ₹3 Cr.) November 2026
The highest Indian Bank FD rate for deposits is 6.65% p.a. for general citizens and up to 7.15% p.a. on the IND Grow 555-day deposit. The domestic retail term deposit rates for below ₹3 crore are effective from 4 August 2026:
| Maturity Period | General Public (p.a.) |
|---|---|
| 7 days to 14 days | 2.80% |
| 15 days to 29 days | 2.80% |
| 30 days to 45 days | 3.00% |
| 46 days to 90 days | 3.25% |
| 91 days to 120 days | 3.50% |
| 121 days to 180 days | 3.85% |
| 181 days to less than 9 months | 4.50% |
| 9 months to less than 1 year | 4.75% |
| IND Supreme 2.0 (300 days) | 6.20% |
| 1 year | 6.10% |
| Above 1 year to less than 2 years | 6.20% |
| IND Green (500 days) | 6.40% |
| IND Grow (555 days) | 6.65% (Highest) |
| 2 years to less than 3 years | 6.15% |
| IND Prosper (777 days) | 6.60% |
| 3 years to less than 5 years | 6.05% |
| 5 years | 6.00% |
| Above 5 years | 6.00% |
*Indian Bank FD rates w.e.f. 4 August 2026.*
How Are Indian Bank FD Interest Rates Decided?
Indian Bank FD rates may vary based on the maturity period, deposit amount and type of term deposit. Retail and bulk deposits have separate interest rates at the bank. The following factors affect the applicable rate structure.
- Deposit Slab: Indian Bank has separate rate structures for deposits below ₹3 crore and bulk deposits of ₹3 crore and above. Each financial institution and bank sets its own competitive fixed deposit interest rates.
- Deposit Tenure: The rate changes across maturity periods ranging from 7 days to 10 years. Special products are also offered for selected tenures, such as 500, 555 and 777 days.
- Customer Category: Eligible senior citizens receive an additional 0.50% p.a. on qualifying domestic retail term deposits. Super senior citizens aged 80 years and above receive an additional 0.25% p.a. over and above the additional rate offered to normal senior citizens under the IB Golden Ager facility.
- Deposit Product: The rate can differ between standard term deposits and special products. IND Grow offers 6.65% p.a. to the public for 555 days.
- Callable Option: Bulk deposits of ₹3 crore to ₹5 crore have separate callable and non-callable rates. The bank publishes both rates for the applicable maturity periods.
Indian Bank Special Fixed Deposit Scheme Rates
The highest rate on the IND special FD scheme is 7.40% p.a. for super senior citizens under the IND Grow 555-day deposit, effective from 04th August, 2026:
| Special Deposit Product | Public (p.a.) | Senior Citizen (p.a.) | Super Senior Citizen (p.a.) |
|---|---|---|---|
| IND Supreme 2.0 – 300 days | 6.20% | 6.70% | 6.95% |
| IND Green – 500 days | 6.40% | 6.90% | 7.15% |
| IND Grow – 555 days | 6.65% | 7.15% | 7.40% (Highest) |
| IND Prosper – 777 days | 6.60% | 7.10% | 7.35% |
*Special deposit rates w.e.f. 4 August 2026.
Indian Bank FD Rates (₹3 Cr. to Below ₹5 Cr.)
The highest Indian Bank FD rate for ₹3 crore to below ₹5 crore is 7.55% p.a., effective from 25th September, 2026:
| Maturity Period | Callable (p.a.) | Non-Callable (p.a.) |
|---|---|---|
| 7 days to 14 days | 7.50% | 7.50% |
| 15 days to 29 days | 7.50% | 7.50% |
| 30 days to 45 days | 7.50% | 7.50% |
| 46 days to 90 days | 7.50% | 7.55% |
| 91 days to 120 days | 7.50% | 7.55% |
| 121 days to 180 days | 5.25% | 5.30% |
| 181 days to less than 9 months | 7.50% | 7.55% |
| 9 months to less than 1 year | 7.50% | 7.55% |
| 1 year | 7.50% | 7.55% |
| Above 1 year to less than 2 years | 7.50% | 7.55% |
| 2 years to less than 3 years | 5.50% | 5.50% |
| 3 years to less than 5 years | 5.50% | 5.50% |
| 5 year | 5.50% | 5.50% |
| Above 5 years | 5.50% | 5.50% |
*Indian Bank bulk deposit rates w.e.f. 1 September 25th 2026.
Key Features of Indian Bank FD Rates
Indian Bank offers different facilities with its fixed deposit products. The applicable features depend on the deposit type, amount and customer category.
- Short Tenure Flexibility: Indian Bank accepts domestic term deposits from 7 days to 10 years. Special products are also available for 300, 500, 555 and 777 days.
- Premature Withdrawal Facility: Indian Bank Premature FD closure is available for eligible term deposits. The applicable foreclosure charge depends on the deposit amount and period for which the deposit remained with the bank.
- Auto-Renewal Facility: Indian Bank provides maturity instructions for term deposits. Customers can select auto rollover, closure and transfer, or interest transfer options.
- Interest Payout Options: Depending on the deposit product, interest can be paid periodically or retained until maturity. The applicable payout method depends on the selected deposit scheme.
- Tax Deduction at Source: Interest payments may be subject to TDS under applicable income-tax rules. Customers should check the prevailing tax provisions for their deposit and customer category.
Indian Bank FD Interest Rate Calculator
The Indian Bank FD Interest Rate Calculator can estimate the maturity amount and interest earned on a deposit. You can enter the deposit amount, applicable FD interest rate and investment duration. The calculator helps compare different deposit periods before booking an Indian Bank fixed deposit. It can also help to estimate the effect of different rates on the maturity value. The actual maturity amount depends on the applicable product terms.
FAQs
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What are the latest Indian Bank FD rates for deposits below ₹3 crore?
FD rates for deposits below ₹3 crore range from 2.80% to 6.65% p.a. for the public. The rates are effective from 4 August 2026. The highest rate is 6.65% p.a. for the IND Grow 555-day deposit. -
What is the highest Indian Bank FD rate for deposits below ₹3 crore?
The highest standard retail Indian Bank FD rate is 6.65% p.a. for the IND Grow 555-day deposit. The rate applies to the public from 4 August 2026. Senior citizens receive 7.15% p.a. under the same product, and super senior citizens receive 7.40% p.a. -
What is the Indian Bank FD rate for 1 year?
The Indian Bank FD rate for 1 year is 6.10% p.a. for deposits below ₹3 crore. Eligible senior citizens can receive an additional 0.50% p.a. The applicable senior citizen rate is therefore 6.60% p.a. The rates are effective from 4 August 2026 -
What is the Indian Bank FD rate for 5 years?
The Indian Bank FD rate for a 5-year deposit is 6.00% p.a. for the public on deposits below ₹3 crore. Eligible senior citizens can receive an additional 0.50% p.a. The senior citizen rate is 6.50% p.a., subject to applicable conditions. -
What is the highest Indian Bank FD rate for senior citizens?
Eligible senior citizens receive an additional FD rate of 0.50% p.a. on domestic retail term deposits below ₹3 crore. The IND Grow 555-day deposit offers 7.15% p.a. for senior citizens. Super senior citizens can receive 7.40% p.a. under the same product. -
What are the Indian Bank FD rates for ₹3 crore to below ₹5 crore?
Indian Bank bulk deposit rates for ₹3 crore to below ₹5 crore range from 5.25% to 7.50% p.a. for the callable deposits. The highest rate is 7.55% p.a. under the non-callable option. -
Does Indian Bank offer premature withdrawal on fixed deposits?
Indian Bank permits premature closure of eligible term deposits, subject to applicable foreclosure charges. Fixed deposits retained for less than 7 days do not earn interest. For deposits above ₹5 lakh, the eligible rate on foreclosure is the applicable card rate for the actual period run prevailing on the date of deposit, less 1.00% p.a. -
Can I take a loan against an Indian Bank FD?
Eligible Indian Bank customers can obtain a loan or overdraft against an unencumbered term deposit. The online facility allows up to 90% of the deposit value, subject to a maximum of ₹10 lakh. The interest rate is generally 1% above the applicable term deposit rate.
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* 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.
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##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.
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