IndusInd Bank FD interest rates range from 3.25% p.a. to 7.00% p.a. for the general citizens and from 3.75% p.a. to 7.50% p.a. for the senior citizens, varying on the deposit period, amount, and type of customer. The bank's flexible deposit options are available from a period of 7 days to over 5 years.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
An IndusInd Bank FD is a term deposit wherein you can deposit a lump sum for a chosen duration and receive interest at a predetermined rate. The interest is accrued on the principal (the deposit amount) as per the current rates. The tenure for the deposits ranges from 7 days to 5 years. You can also select the interest payments as monthly, quarterly, semiannually, or yearly, or reinvest at maturity. The minimum deposit amount is ₹10,000, and you can also book the FD through the online channel as well as by visiting the branch.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 120 months (10 years)
₹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 has recently adjusted its fixed deposit interest rates. The changes are effective from August 2, 2025, with specific revisions across various tenures for both general and senior citizen depositors.
Check the latest IndusInd Bank FD interest rates 2025 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 1 Month | 3.25% | 3.75% |
| 1 Month to 2 Months | 3.50% | 4.00% |
| 2 Months to 2 Months | 4.50% | 5.00% |
| 2 Months to 3 Months | 4.75% | 5.25% |
| 3 Months to 4 Months | 5.00% | 5.50% |
| 4 Months to 6 Months | 5.00% | 5.50% |
| 6 Months to 7 Months | 5.75% | 6.25% |
| 7 Months to 9 Months | 6.00% | 6.50% |
| 9 Months to 12 Months | 6.25% | 6.75% |
| 12 Months to 12 Months | 6.50% | 7.00% |
| 1 Year to 1.2 Years | 6.75% | 7.25% |
| 1.2 Years to 1.3 Years | 7.00% | 7.50% |
| 1.3 Years to 1.4 Years | 7.00% | 7.50% |
| 1.4 Years to 1.5 Years | 7.00% | 7.50% |
| 1.5 Years to 2 Years | 7.00% | 7.50% |
| 2 Years to 2.5 Years | 6.75% | 7.25% |
| 2.5 Years to 2.6 Years | 6.75% | 7.25% |
| 2.6 Years to 3.2 Years | 6.75% | 7.25% |
| 3.2 Years to 5.1 Years | 6.65% | 7.15% |
| 5.1 Years | 6.50% | 7.00% |
| 10 Years | 6.50% | 7.00% |
| Tenure | General Rate
(% p.a.) |
Senior Citizen Rate
(% p.a.) |
| 7 Days to 14 Days | 4.65 | 5.40 |
| 15 Days to 30 Days | 4.75 | 5.50 |
| 31 Days to 45 Days | 5.25 | 6.00 |
| 46 Days to 60 Days | 5.75 | 6.50 |
| 61 Days to 90 Days | 6.00 | 6.75 |
| 91 Days to 120 Days | 6.15 | 6.90 |
| 121 Days to 180 Days | 6.25 | 7.00 |
| 181 Days to 210 Days | 6.40 | 7.15 |
| 211 Days to 354 Days | 6.50 | 7.25 |
| 355 Days to below 1 Year 1 Month | 6.50 | 7.25 |
| 1 Year 1 Month to up to 2 Years | 6.60 | 7.35 |
| Above 2 years to 3 Years 3 Months | 6.85 | 7.60 |
| Above 3 Years 3 Months to below 61 Months | 7.05 | 7.80 |
| 61 Months and above | 6.85 | 7.60 |
*IndusInd Bank FD interest rates w.e.f. June 16, 2025
Note:
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3.25% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.75% |
| Indian Overseas Bank | 3.5% | 6.75% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 7% |
| Punjab and Sind Bank | 3% | 6.8% |
| UCO Bank | 2.9% | 6.6% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 3% | 7.4% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.85% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.2% |
| DCB Bank | 3.75% | 7.4% |
| Equitas Small Finance Bank | 3.5% | 7.6% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 8.5% |
| Saraswat Bank | 3.25% | 7% |
*FD interest rates w.e.f. August 2025 (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 FD interest rates are up to 7.00% for general citizens and 7.50% for senior citizens. The bank offers competitive FD interest rates across tenures. It is easy to book the FD online or at branches, with a deposit as low as ₹10,000. There are interest payout options, auto-renewal, loan against FD, and video KYC facilities for making the process smooth for all. Senior citizens are also eligible for increased returns, and tax-saving options are offered.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 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
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% 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
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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