IndusInd Bank FD interest rates range from 3.50% to 8.25% per annum, varying with 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, with an additional 0.50% interest for senior customers for the respective slabs. In this article, we discuss the salient features of IndusInd Bank FD, the prevailing interest rates, and the process for booking an FD.
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 more than 61 months. 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 a branch.
Here are the main features and benefits of opening an IndusInd Bank FD, explained in simple terms:
Flexible Tenure Options: You can choose a deposit period starting from just 7 days and going up to more than 5 years. This helps meet both short-term and long-term savings goals.
Attractive Interest Rates: IndusInd Bank rates are among the highest offered, going up to 8.25% per annum for senior citizens and 7.35% for regular customers on select tenures.
Easy Online Booking: You can book your FD in minutes using the IndusInd mobile app, internet banking, or website. New customers can also open an FD via video KYC and fund transfer.
Interest Payout Options: Choose to receive interest monthly, quarterly, half-yearly, yearly, or at maturity. This flexibility helps meet different income needs.
Loan Against FD: You can borrow up to 90% of your FD value without breaking it. This helps you retain your interest income and avoid premature withdrawal. The loan interest will exceed the fixed deposit rate by 2%.
Tax Saver FD Option: A 5-year IndusInd Bank FD option is available under the Tax Saver scheme, which allows deduction under Section 80C of the Income Tax Act.
Auto-Renewal and Nomination Facility: Your FD can be automatically renewed upon maturity, and you can add a nominee for added convenience and security.
Premature Withdrawal Penalty: The early withdrawal of a fixed deposit often incurs a penalty. Penalty fees usually result in a decrease in the interest rate. The penalty may vary from 0.5% to 1%.
Sweep-In/Sweep-Out by IndusInd: The bank offers a Sweep-In/Sweep-Out facility that links your savings or current account to your FD. Surplus funds above a set limit are automatically transferred to an FD (sweep-out). If your account balance drops, funds are moved back from the FD (sweep-in), helping you earn better returns while maintaining liquidity.
Check the latest IndusInd Bank FD interest rates 2025 based on deposit amount, tenure, and withdrawal rules.
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 30 days | 3.50 | 4.25 |
| 31 days to 45 days | 3.75 | 4.50 |
| 46 days to 60 days | 4.75 | 5.50 |
| 61 days to 120 days | 5.00 | 5.75 |
| 121 days to 180 days | 5.25 | 6.00 |
| 181 days to 210 days | 6.00 | 6.75 |
| 211 days to 269 days | 6.25 | 7.00 |
| 270 days to 354 days | 6.50 | 7.25 |
| 355 days to below 1 Year 1 month | 7.00 | 7.75 |
| 1 Year 1 month to up to 2 Years | 7.25 | 8.00 |
| Above 2 Years to 3 Years 3 Months | 7.00 | 7.75 |
| Above 3 Years 3 Months to below 61 Months | 6.75 | 7.50 |
| 61 months and above | 6.50 | 7.25 |
| Tax Saver FD (5 years) | 6.75 | 7.50 |
*IndusInd Bank FD interest rates w.e.f. June 2, 2025
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 4.90 | 5.65 |
| 15 days to 30 days | 5.00 | 5.75 |
| 31 days to 45 days | 5.50 | 6.25 |
| 46 days to 60 days | 6.00 | 6.75 |
| 61 days to 90 days | 6.25 | 7.00 |
| 91 days to 120 days | 6.40 | 7.15 |
| 121 days to 180 days | 6.50 | 7.25 |
| 181 days to 210 days | 6.65 | 7.40 |
| 211 days to 354 days | 6.75 | 7.50 |
| 355 days to below 1 Year 1 Month | 7.10 | 7.85 |
| 1 Year 1 Month to up to 2 Years | 7.30 | 8.05 |
| Above 2 years to 3 Years 3 Months | 7.05 | 7.80 |
| Above 3 Years 3 Months to below 61 Months | 6.80 | 7.55 |
| 61 months and above | 6.55 | 7.30 |
*IndusInd Bank FD interest rates w.e.f. June 2, 2025
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 4.90 | 5.65 |
| 15 days to 30 days | 5.00 | 5.75 |
| 31 days to 45 days | 5.60 | 6.35 |
| 46 days to 60 days | 6.00 | 6.75 |
| 61 days to 120 days | 6.50 | 7.25 |
| 121 days to 180 days | 6.60 | 7.35 |
| 181 days to 210 days | 6.75 | 7.50 |
| 211 days to 354 days | 6.85 | 7.60 |
| 355 days to below 1 Year 1 Month | 7.15 | 7.90 |
| 1 Year 1 Month to up to 2 Years | 7.35 | 8.10 |
| Above 2 Years to 3 Years 3 Months | 7.10 | 7.85 |
| Above 3 Years 3 Months to below 61 months | 6.85 | 7.60 |
| 61 months and above | 6.60 | 7.35 |
*IndusInd Bank FD interest rates w.e.f. June 2, 2025
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 4.90 | 5.65 |
| 15 days to 30 days | 5.00 | 5.75 |
| 31 days to 45 days | 5.60 | 6.35 |
| 46 days to 60 days | 6.00 | 6.75 |
| 61 days to 120 days | 6.50 | 7.25 |
| 121 days to 180 days | 6.60 | 7.35 |
| 181 days to 210 days | 6.75 | 7.50 |
| 211 days to 354 days | 6.85 | 7.60 |
| 355 days to below 1 Year 1 Month | 7.15 | 7.90 |
| 1 Year 1 Month to up to 2 Years | 7.35 | 8.10 |
| Above 2 Years to 3 Years 3 Months | 7.10 | 7.85 |
| Above 3 Years 3 Months to below 61 months | 6.85 | 7.60 |
| 61 months and above | 6.60 | 7.35 |
*IndusInd Bank FD interest rates w.e.f. June 2, 2025
Note:
Applicable for Domestic / NRO / NRE Account deposits (Senior Citizen rates not applicable for NRE/NRO deposits).
Opening an IndusInd Bank FD is simple and can be done either online or at a branch.
Log in using your Mobile Banking ID and password.
Tap on the “Deposit” option from the main menu.
Select “Create Fixed Deposit.”
Enter the required FD details, including the deposit amount, tenure, and interest payout preference.
Submit the form. The FD amount will be automatically deducted from your linked savings account.
Log in to your IndusInd Net Banking account.
Click on the “Open FD” option under deposits.
Fill in your deposit amount, tenure, and other required details.
Confirm the transaction. The FD will be created, and the amount will be debited from your savings account.
Visit any IndusInd Bank branch.
Provide your PAN, Aadhaar, and recent photograph.
Fill out the FD form and deposit the amount.
Collect your deposit confirmation receipt.
You can also open an IndusInd Bank FD even if you’re not an existing customer:
Visit the official IndusInd Bank FD page.
Verify your PAN and Aadhaar details.
Fill in your personal and FD details online.
Complete a quick video KYC process for identity verification.
Fund your FD through net banking, UPI, or account transfer.
To open an IndusInd Bank FD, you will need:
PAN Card
Aadhaar Card or any government-issued ID
Address proof (if different from Aadhaar)
Passport-size photograph
Existing savings account details (for online funding)
Interest earned on IndusInd Bank Fixed Deposits is taxable under the Income Tax Act, 1961, and is classified as “Income from Other Sources.” As per the revised norms, effective April 1, 2025, TDS is deducted at 10% if the total interest in a financial year exceeds ₹50,000 for individuals below 60 years, and ₹1,00,000 for senior citizens. If PAN is not provided, TDS is deducted at 20%.
Eligible individuals can submit Form 15G (for non-senior citizens) or Form 15H (for senior citizens) to avoid TDS, provided their total income is below the taxable threshold. TDS deductions can be monitored via Form 26AS. Additionally, investments in 5-year tax-saving FDs may qualify for deductions up to ₹1.5 lakh under Section 80C of the Income Tax Act.
IndusInd Bank FD interest rates are up to 7.35% for general citizens and 8.25% 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.
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