IndusInd Bank FD Interest Rates 2025

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.

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FEATURES
indusind-bank
sbi-bank
hdfc-life-insurance
maxlife
Returns (BEFORE TAX)
7.25%
6.7%
7.0%
Highest Return7.5%
Returns (AFTER TAX)*
5.07%
4.7%
4.9%
LIFE COVER
No
No
No
₹10 Lakh**
Information About
Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund
Guaranteed Return Plans, Fixed Deposits &
Debt Mutual Fund
Guaranteed Return Plans
Returns Before Tax
7.1% (TAX-FREE)
Returns After Tax
7.1%
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
VIEW PLANS
*For annual premium upto ₹5 Lacs

What is the IndusInd Bank Fixed Deposit?

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.

Key Benefits of IndusInd Bank Fixed Deposit

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.

IndusInd Bank FD Interest Rates

Check the latest IndusInd Bank FD interest rates 2025 based on deposit amount, tenure, and withdrawal rules.

1. FD Rates for Deposits < ₹3 Cr (Premature Withdrawal Allowed)

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

2. FD Rates for ₹3 Cr to < ₹5 Cr (Premature Withdrawal Allowed)

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

3. FD Rates for ₹1 Cr to < ₹3 Cr (Premature Withdrawal Not Allowed)

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

4. FD Rates for ₹3 Cr to < ₹5 Cr (Premature Withdrawal Not Allowed)

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).

How to Open an IndusInd Bank Fixed Deposit?

Opening an IndusInd Bank FD is simple and can be done either online or at a branch.

1. Online Method

Option 1: Through Mobile Banking (IndusInd Bank Mobile App – INDIE)

  • 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.

Option 2: Through Internet Banking

  • 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.

2. Offline Method

  • 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.

For Non-IndusInd Customers

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.

Documents Required for IndusInd Bank FD

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)

Taxation on FD Interest

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.

Key Takeaways

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.

Explore More Under Banks FD Interest Rates

IndusInd Bank FD Interest Rates: FAQs
What is the minimum amount to open an IndusInd Bank FD?
What is the highest interest rate offered by IndusInd Bank?
Can I open an IndusInd Bank FD online?
Does IndusInd Bank offer loans against FDs?
What is the tenure range available for IndusInd Bank FDs?
Are there special IndusInd Bank FD options for tax saving?
Is there an auto-renewal facility in IndusInd Bank FDs?

* Tax adjustment considering income tax slab of 30%
** Life cover for a plan with an annualized premium of Rs 1L
+ 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
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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

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