The current IndusInd Bank FD rates range from 3.25% p.a. to 7.00% p.a. for general citizens and from 3.75% p.a. to 7.50% p.a. for senior citizens. The tenure ranges from 7 days to 61 months and above, with a 1% penalty for premature withdrawals.
An IndusInd Bank FD is a versatile term deposit that lets you lock in a lump sum for a tenure ranging from 7 days to 61 months or more. It is essential to stay up to date on the current FD interest rate to lock in the highest possible yield, especially during periods of market volatility. You can customise your payouts to be monthly, quarterly, semiannually, or yearly, or simply reinvest for maximum growth, with a low minimum deposit of just ₹10,000.
But, when you choose a monthly payout instead of waiting for the interest to compound every three months, the bank pays you a slightly lower "discounted" rate (e.g., 6.71% instead of 6.75%). This is because you are taking the money out early rather than letting it sit and grow; the bank simply adjusts the rate downward so that the total value you receive monthly equals what you would have earned quarterly.
7 days to 61 months and above
₹10,000
No stated maximum limit for general FDs.
Quarterly, or as per chosen payout frequency.
Yes, with a 5-year lock-in period for tax benefits.
Allowed for most FDs, with applicable penalties.
Yes, up to 90-95% of the FD value.
Yes, available.
Senior citizens receive an additional 0.50% interest.
IndusInd Bank offers interest rates of up to 7.5% on fixed deposits with tenures of 1 Year 6 Months to 1 Year 7 Months, effective from 25th September 2025.
Check the latest IndusInd Bank FD interest rates 2026 based on deposit amount, tenure, and withdrawal rules.
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.25% | 3.75% |
| 15 Days to 30 Days | 3.25% | 3.75% |
| 31 Days to 45 Days | 3.50% | 4.00% |
| 46 Days to 60 Days | 4.50% | 5.00% |
| 61 Days to 90 Days | 4.75% | 5.25% |
| 91 Days to 120 Days | 5.00% | 5.50% |
| 121 Days to 180 Days | 5.00% | 5.50% |
| 181 Days to 210 Days | 5.75% | 6.25% |
| 211 Days to 269 Days | 6.00% | 6.50% |
| 270 Days to 354 Days | 6.25% | 6.75% |
| 355 Days to 364 Days | 6.25% | 6.75% |
| 365 Days to 394 Days | 6.75% | 7.25% |
| 395 Days to 454 Days | 6.75% | 7.25% |
| 455 Days to 484 Days | 6.75% | 7.25% |
| 485 Days to 515 Days | 6.75% | 7.25% |
| 516 Days to 546 Days | 6.75% | 7.25% |
| 547 Days to 548 Days | 7.00% | 7.50% |
| 549 Days to 730 Days | 6.90% | 7.40% |
| 731 Days to 911 Days | 6.90% | 7.40% |
| 912 Days to 942 Days | 6.90% | 7.40% |
| 943 Days to 1095 Days | 6.90% | 7.40% |
| 1096 Days to 1854 Days | 6.65% | 7.15% |
| 1855 Days to 1855 Days | 6.50% | 7.00% |
| 3650 Days to 3650 Days | 6.50% | 7.00% |
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 4.4 | 4.9 |
| 15 days to 30 days | 4.5 | 5 |
| 31 days to 45 days | 4.95 | 5.45 |
| 46 days to 60 days | 5.45 | 5.95 |
| 61 days to 90 days | 5.7 | 6.2 |
| 91 days to 120 days | 5.85 | 6.35 |
| 121 days to 180 days | 5.95 | 6.45 |
| 181 days to 210 days | 6.1 | 6.6 |
| 211 days to 364 days | 6.2 | 6.7 |
| 1 year to below 1 year 1 month | 6.55 | 7.05 |
| 1 year 1 month to 3 Years | 6.75 | 7.25 |
| Above 3 years to below 61 months | 6.45 | 6.95 |
| 61 months and above | 6.35 | 6.85 |
*IndusInd Bank FD interest rates w.e.f. September 25, 2025
Note:
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.45% |
| ICICI Bank | 2.75% | 6.5% |
| HDFC Bank | 2.75% | 6.45% |
| Axis Bank | 3% | 6.45% |
| Punjab National Bank | 3% | 6.4% |
| Kotak Mahindra Bank | 2.75% | 6.7% |
| Yes Bank | 3.25% | 7.75% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.45% |
| Union Bank of India | 2.75% | 6.3% |
| Bank of India | 3% | 6.7% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 7% |
| IDBI Bank | 3% | 6.55% |
| Indian Overseas Bank | 2.9% | 6.6% |
| Bank of Maharashtra | 2.6% | 6.65% |
| Central Bank of India | 3% | 6.5% |
| Punjab and Sind Bank | 2.85% | 6.6% |
| UCO Bank | 2.9% | 6.45% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.75% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.1% |
| Karnataka Bank | 3.5% | 6.65% |
| Abhyudaya Cooperative Bank | 3.75% | 6.35% |
| Shriram Finance Ltd | 6.75% | 7.25% |
| Bajaj Finance Ltd | 6.6% | 7.4% |
| Mahindra Finance Ltd | 6.4% | 7.2% |
| AU Small Finance Bank | 3.5% | 7.1% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.5% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 8.1% |
| DCB Bank | 3.75% | 7.15% |
| Equitas Small Finance Bank | 3.5% | 7.3% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.6% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.9% |
| Shivalik Small Finance Bank | 3.5% | 7.5% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. May 2026 (for general public, domestic FDs < ₹3 Cr).
Here are the main features and benefits of opening an IndusInd Bank FD, explained in simple terms:
An IndusInd Bank fixed deposit is a secure and flexible way to invest your savings and earn attractive returns. You can choose a one-time deposit amount and a tenure that suits your financial goals.
IndusInd Bank offers a seamless digital process for customers to open a fixed deposit instantly through netbanking or the mobile application. Check the steps below -
If you prefer a face-to-face interaction, you can visit your nearest IndusInd Bank branch to open a fixed deposit.
To open an IndusInd Bank FD account, you need to fulfill the following eligibility criteria.
IndusInd Bank Fixed Deposit rates peaking at 7.00% for regular citizens and 7.50% for senior citizens on mid-term tenures. With its seamless Video KYC process, flexible interest payouts, and a partial premature withdrawal feature that preserves liquidity without breaking the entire FD. For global investors, checking the latest IndusInd Bank FCNR Rates is essential to earn tax-free, high-yield returns on foreign currency deposits without the risk of exchange rate fluctuations.
16 Feb 2026
An Auto Sweep (Sweep-in/Sweep-out) FD is a banking facility that
05 Feb 2026
The IND Sampoorna Salary Package (often referred to as the IND
˜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 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.
** 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
##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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