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IndusInd Bank FD Interest Rates
IndusInd Bank FD rates range from 3.25% p.a. to 7.00% p.a. for the general public and from 3.75% p.a. to 7.75% p.a. for senior citizens. The deposit tenure ranges from 7 days to 10 years. Regular citizens can earn the highest interest rate on deposits of 2 years to 3 years, effective from 24th July, 2026.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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- Indusind Bank FD Rates
Latest IndusInd Bank FD Rates
The highest interest rate is given on the 2-year to 3-year tenure, up to 7.00% p.a. for general and up to 7.75% p.a. for senior citizens on deposits below 3 crore, w.e.f. July 24, 2026 (last verified in September)
IndusInd Bank FD Rates for Domestic/NRO/NRE (less than ₹3 Cr.)
The highest IndusInd Bank FD rates are 7.00% p.a. for general citizens and 7.75% p.a. for senior citizens on the tenure of 2 years to 3 years, effective from 24th July, 2026 (last verified in September):
Below are the IndusInd Bank FD interest rates for deposits below 3 crore.
| Tenure | Regular Citizens (p.a.) | Senior Citizens (p.a.) |
| 7 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 179 days | 5.00% | 5.50% |
| 180 days | 6.00% | 6.50% |
| 181 days to 210 days | 5.75% | 6.25% |
| 211 days to 269 days | 6.00% | 6.50% |
| 270 days to 364 days | 6.25% | 6.75% |
| 1 year to below 1 year 6 months | 6.75% | 7.25% |
| 1 year 6 months to below 1 year 7 months | 6.90% | 7.40% |
| 1 year 7 months to below 2 years | 6.90% | 7.40% |
| 2 years to 3 years | 7.00% (Highest) | 7.75% (Highest) |
| Above 3 years up to below 61 months | 6.65% | 7.15% |
| 61 months and above | 6.50% | 7.00% |
IndusInd Bank FD interest rates w.e.f. 24th July, 2026 as per the IRDAI regulations 2024
IndusInd Bank FD Interest Rates: Key Highlights
| Features | Details |
| Tenure Range | 7 days to 10 years |
| Senior Citizens Benefits | An additional rate of 0.50% on IndusInd senior citizens FD rates |
| Minimum Deposit | Generally starts at ₹10,000 |
| Safety Deposits | Up to ₹5 lakh is insured by DICGC |
| Interest Payouts | Cumulative (at maturity) or periodic payouts (monthly, quarterly, half-yearly, or yearly) |
How Are IndusInd Bank FD Interest Rates Decided?
IndusInd Bank decides its FD interest rates based on RBI guidelines, market conditions, and these key factors:
- RBI Repo Rate: Changes in central bank rates directly influence IndusInd Bank FD rates.
- Bank’s Need for Funds: When the bank needs more deposits to fund loans, it offers higher rates.
- Deposit Tenure: Selected medium and long-term tenures offer peak interest rates.
- Deposit Amount: Interest rates vary depending on whether it is a regular or bulk deposit.
IndusInd Bank FD Rates for Deposits Above ₹3 Crore (Bulk Deposits)
The highest interest rate for the Indusind Bank for the deposits above 3 crore is on the tenure of 1 year 1 month to 3 Years that goes up to 6.75% p.a. for general citizens and 7.25% p.a. for senior citizens, effective from 25th September 2025 (last verified in September 2026):
| Tenure | General Citizens Rates (p.a.) | Senior Citizens Rates (p.a.) |
| 7 days to 14 days | 4.40% | 4.90% |
| 15 days to 30 days | 4.50% | 5.005 |
| 31 days to 45 days | 4.95% | 5.45% |
| 46 days to 60 days | 5.45% | 5.95% |
| 61 days to 90 days | 5.70% | 6.20% |
| 91 days to 120 days | 5.85% | 6.35% |
| 121 days to 180 days | 5.95% | 6.45% |
| 181 days to 210 days | 6.10% | 6.60% |
| 211 days to 364 days | 6.20% | 6.70% |
| 1 year to below 1 year 1 month | 6.55% | 7.05% |
| 1 year 1 month to 3 Years | 6.75% (Highest) | 7.25% (Highest) |
| 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. 24th July, 2026
Interest Rates for IndusInd Tax-Saving FD
The IndusInd Bank Tax saver fixed deposit interest rate is 6.65% for general and 7.15% for senior citizens on a 5-year mandatory lock-in period. You can claim tax deductions of up to ₹1.5 lakh under Section 80C of the Income Tax Act (available only if you opt for the Old Tax Regime).
FAQs
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What is the highest IndusInd Bank FD interest rate?
The highest FD interest rate offered by IndusInd Bank is 7.00% p.a. for regular citizens on deposits with a tenure of 2 years to 3 years. -
What additional interest do senior citizens receive?
Senior citizens can earn 0.50% to 0.75% p.a. extra on eligible domestic IndusInd Bank fixed deposits, depending on the tenure, with the highest differential of 0.75% applicable on the 2-to-3-year slab. -
What is the interest rate on the Indus Tax Saver Deposit?
The Indus Tax Saver Deposit offers 6.65% p.a. for regular citizens and 7.15% p.a. for senior citizens for a five-year tenure. -
Are senior citizen benefits available on NRE and NRO fixed deposits?
No. The additional interest rate for senior citizens is not applicable to NRE and NRO Fixed Deposits. -
Does IndusInd Bank offer fixed deposits for NRIs?
Yes. IndusInd Bank offers NRE Fixed Deposits, NRO Fixed Deposits, and FCNR Deposits for eligible Non-Resident Indians. -
Can I calculate my FD maturity amount before investing?
Yes. You can use the IndusInd Bank FD Calculator to estimate the maturity amount and interest earnings based on the deposit amount, tenure, and applicable interest rate.
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10 Feb 2026
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˜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.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ