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.

IndusInd Bank FD Interest Rates

IndusInd Bank provides fixed deposit rates between 3.25% and 7.00% p.a. to regular citizens and 3.75% to 7.75% p.a. to senior citizens on eligible domestic deposits with tenure as low as 7 days. Regular citizens can earn the highest interest rate of 7.00% p.a. on deposits of tenure of 2 years to 3 years.

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

+91

View Plans

Your personal information is secure with us

By clicking on "View Plans" you agree to our Privacy Policy and Terms of use

Get Updates on WhatsApp

IndusInd Bank FD Interest Rates Highlights

The table below provides an overview of the key IndusInd Bank Fixed Deposit interest rates across popular tenures, including the highest slab rate and the Tax Saving FD rates.

Highest slab rate	7.00% p.a. (2 year to 3 years)
For 1 year	6.75% p.a.
For 2 years	7.00% p.a.
For 3 years	7.00% p.a.
For 4 years	6.65% p.a.
For 5 years	6.65% p.a.
Tax-Saving FD	6.65% p.a.

Note: Interest rates as of 15 June 2026

IndusInd Bank FD Interest Rates for Domestic/NRO/NRE (less than ₹3 Cr., w.e.f. 24 July 2026)

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%	7.75%
Above 3 years up to below 61 months	6.65%	7.15%
61 months and above	6.50%	7.00%

Note: Additional senior citizens’ interest rates will not be applicable for NRE/NRO Fixed Deposits.

Comparison of Top 20 Scheduled Banks Based on FD Rates

The following table is a comparison of the FD interest rates of IndusInd Bank to that of other scheduled banks.

Banks	Highest FD rate (% p.a.)	1-year FD rate (% p.a.)	3-year FD rate (% p.a.)	5-year FD rate (% p.a.)	Additional interest rate for senior citizens (% p.a.)
IndusInd Bank	7.00%	6.75%	7.00%	6.65%	0.50%–0.75%
Suryoday Small Finance Bank	8.10	7.25	7.25	7.90	0.15
Jana Small Finance Bank	8.00	7.00	8.00	7.77	0.50
ESAF Small Finance Bank	7.75	6.00	6.00	5.75	0.50
Utkarsh Small Finance Bank	8.10	6.00	7.50	7.00	0.50
Ujjivan Small Finance Bank	7.80	7.25	7.25	7.20	0.50
Shivalik Small Finance Bank	8.00	6.00	7.50	6.25	0.50
Equitas Small Finance Bank	8.00	7.10	7.10	7.00	0.50
Bandhan Bank	7.45	7.00	7.25	5.85	0.50-0.75
DCB Bank	7.50	6.90	7.00	7.50	0.25-0.50
RBL Bank	7.20	7.00	7.20	6.70	0.50
Capital Small Finance Bank	7.15	7.00	7.00	6.90	0.50
SBM Bank	7.30	7.10	7.10	7.00	0.50
AU Small Finance Bank	7.40	6.35	7.40	6.75	0.50
Central Bank of India	6.70	6.10	6.00	6.00	0.50
YES Bank	7.25	6.65	7.00	6.75	0.50-0.75
Induslnd Bank	7.00	6.75	7.00	6.65	0.50
Unity Small Finance Bank	7.50	7.50	6.75	6.75	0.50
Federal Bank	6.80	6.25	6.75	6.40	0.50
Bank of India	6.85	6.50	6.70	6.00	0.50

*FD interest rates as of July 2026.

Indus Tax Saver Deposit Interest Rates

The Indus Tax Saver Deposit enables eligible investors to claim tax deductions under Section 123 of the Income Tax Act 2025. The deposit is accompanied by a lock-in period of five years.

Tenure	Regular Citizens (% p.a.)	Senior Citizens (% p.a.)
5 years	6.65	7.15

IndusInd Bank FD Rates on FCNR/RFC* (for deposits ₹3 Cr.) w.e.f. 3rd July 2026

Tenure	Interest Rates (p.a.)
Tenure	Below USD 1 Million	USD 1 Million to Below USD 10 Million	USD 10 Million to Below USD 25 Million	USD 25 Million and above	GBP Below 1 million	GBP Above 1 million	EUR	JPY	CAD	AUD
1 year to less than 2 years	3.90%	3.90%	3.90%	3.90%	3.90%	3.90%	2.60%	0.01%	2.65%	4.80%
2 years to less than 3 years	3.90%	3.90%	3.90%	3.90%	3.90%	3.90%	0.01%	0.01%	0.01%	0.01%
3 years to less than 4 years	6.60%	6.60%	6.60%	6.60%	6.25%	6.50%	0.01%	0.01%	0.01%	0.01%
4 years to less than 5 years	6.65%	6.65%	6.65%	6.65%	6.30%	6.55%	0.01%	0.01%	0.01%	0.01%
5 years	6.75%	6.75%	6.75%	6.75%	6.40%	6.65%	0.01%	0.01%	0.01%	0.01%

*RFC Deposit Rates are available only in USD, GBP & Euro

Types of IndusInd Bank FD Schemes

IndusInd Bank has a variety of fixed deposit products, which are designed to meet various financial needs.

Regular Fixed Deposit Account

The Regular Fixed Deposit Account is designed for customers looking for assured returns with flexible investment options.
- Duration: 7 days to 10 years
- Minimum Deposit Amount: As prescribed by the bank from time to time
- Interest Payout: Monthly, quarterly, cumulative (at maturity), or according to the preferred payout method
- Premature Withdrawal: It is available, and it is subject to applicable terms and penalties
- Loan Against FD: It is available according to the bank policy
- Eligibility: Residents, senior citizens, Hindu Undivided Families (HUFs), trusts, firms and companies as well as other qualified entities
IndusInd Deposit Plus Account

The IndusInd Deposit Plus Account is a combination of a Fixed Deposit and a Systematic Investment Plan (SIP) which allows customers to save the principal amount of money in a secure deposit and invest the interest rate in mutual funds.
- Tenure: 7 days to 120 months
- Minimum Deposit Amount: ₹10,000
- Overdraft Facility: Available
- Premature Withdrawal: Permitted as per applicable terms
- Eligibility: Resident customers who have an IndusInd Savings or Current Account and NRIs who have NRE or NRO accounts (but not minors)
- Capital Protection: The principal remains invested in a Fixed Deposit while only the interest is invested through SIP
- Interest Payout: Interest is added to the linked savings or current account and invested in the chosen mutual fund via SIP. A minimum monthly interest payout of ₹1,000 is required
IndusInd Bank Green Fixed Deposit

The Green Fixed Deposit enables customers to support environmentally sustainable projects, with the proceeds used for financing or refinancing eligible green initiatives.
- Purpose: Funds projects in renewable energy, energy efficiency, sustainable agriculture, forestry, waste management, sustainable food systems and reduction of greenhouse gases.
- Tenure:
  - Deposits above ₹5 crore: 344 to 354 days, 18 to 19 months, or 24 to 61 months
  - Deposits below ₹5 crore: 24 to 61 months
- Eligibility: Individuals and HUFs, sole proprietors, partnership firms, companies, trusts, societies, clubs, associations, and guardians who open deposits on behalf of minors
- Additional Interest: The elderly citizens are given an extra 0.50% per annum for the deposits below ₹3 crore (not applicable to NRO and NRE deposits)
- Deposit Insurance: Covers up to ₹5 lakh under the deposit insurance requirements.
- Premature Withdrawal: It is subject to a penalty of 1% on the applicable interest rate
- Loan Against FD: Available. After a loan is provided, the deposit becomes a normal Fixed Deposit rather than a Green Fixed Deposit.
- Green Certificate: Customers will get a Green Certificate and the Fixed Deposit advice together
IndusInd Bank Senior Citizens Fixed Deposit Scheme

This plan is only available to senior citizens and comes with a higher interest rate compared to the regular FD interest rates.
- Minimum Deposit Amount: ₹10,000
- Tenure: 7 days to 120 months
- Commercial Usage: In this scheme deposits may not be pledged as security against commercial use.
- Premature Withdrawal: Permitted according to the current Fixed Deposit regulations of the bank.
- Additional Interest: 0.50% per annum on top of the applicable rate to regular customers.
- Joint Deposits: The first account holder should be a senior citizen.
NRE Fixed Deposit

The NRE Fixed Deposit is designed for NRIs and Persons of Indian Origin (PIOs) to invest foreign earnings in Indian Rupees.
- Tenure: 1 year to 10 years
- Interest Compounding: Quarterly
- Minimum Holding Period: One year to earn interest
- Repatriation: Principal and interest are both repatriable
- Taxation: The interest earned is not taxed as income in India, but may be taxed according to the existing laws
NRO Fixed Deposit

The NRO Fixed Deposit is used to assist NRIs and PIOs to invest income they earn in India and receive interest on their deposits.
- Tenure: 7 days to 10 years
- Taxation: In India, interest is subject to taxation in accordance with the applicable tax laws.
- Repatriation: Repatriation is allowed to the extent permitted by the Reserve Bank of India in the case of valid purposes
- Interest Compounding: Quarterly
- Minimum Holding Period: One year to earn interest
FCNR Deposit for NRI

The FCNR Deposit enables NRIs to keep fixed deposits in specified foreign currencies, which helps them to reduce the exchange risk.
- Tenure: 1 year to 5 years
- Interest Compounding: Half-yearly
- Minimum Holding Period: One year to earn interest
- Repatriation: Both the principal and interest are fully repatriable
- Available Currencies: USD, GBP, EUR, JPY, CAD, AUD and other qualified currencies provided by the bank.
- Taxation: Interest earned on FCNR(B) deposits is exempt from tax in India for eligible non-resident individuals under applicable tax provisions.
IndusInd Sweep In/Sweep Out

The Sweep In/Sweep Out facility automatically sweeps excess balances in a linked saving or current account from a Fixed Deposits and sweeps money back when needed.
- Minimum Deposit Amount: As on the linked savings or current account.
- Tenure: 30 days to 24 months
- Automatic Sweep Facility: Balances that exceed the set threshold are transferred into Fixed Deposits.
- Liquidity: Automatic transfer of funds back in case account balance is below the stipulated level.
- Premature Withdrawal: Applicable whenever deposits are broken under the sweep facility
- Eligibility: Can be used by customers and businesses who make frequent transactions in their current or savings accounts.

IndusInd Bank FD Calculator

IndusInd Bank FD Calculator is an online tool which assists in estimating the amount of money and interest that you receive upon maturity of your Fixed Deposit before investing. All you need to do is enter the amount of the deposit, investment period, interest rate applied and the frequency of interest payment or compounding. Using this information, the calculator automatically calculates the approximate value of the maturity and the amount of interest you will gain in the chosen period, making it easier to compare different deposit opportunities and do your investment planning.

FAQs

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.