Indian Bank FD rates range between 2.80% to 6.70% per year for the general public and between 3.30% to 7.20% per year for senior citizens. The tenure of the deposit ranges from 7 days to 10 years. Indian Bank offers its best schemes, like IND Green 555 Days Deposit, IND Secure (444-day deposit), and Motor Accident Claim Tribunal Deposit (MACAD) Scheme, with an additional 0.50% interest rate for senior citizens.
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.
Indian Bank FD offers interest rates up to 6.70% for general citizens and 7.20% p.a. for senior citizens, and the security of a leading government-backed bank. The minimum deposit amount is ₹1,000 with no upper limit. The bank offers the highest preferential rates to super-senior citizens. Where senior citizens get an additional 0.50% interest, super senior citizens enjoy 0.75% extra interest over and above standard rates with various special schemes like the Money Multiplier, 555-day deposit (IND Green), and IND Secure (444-day deposit). Compare the FD interest rates for the different banks for clarity.
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 10 years
₹1,000
No limit
Monthly / Quarterly / Half-Yearly / Yearly Payout Options
Available with a penalty
Best interest rates available
Available
Available
Yes, TDS is available
Indian Bank has extended the deadline for its special fixed deposits, namely the 444-day IND Secure and 555-day IND Green schemes, as of October 2025. Regular citizens can now earn interest rates ranging from 2.80% to 6.70%, including these special FDs.
The table below provides an overview of indicative Indian Bank FD Rates for different tenures:
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 2.80% | 3.30% |
| 15 Days to 29 Days | 2.80% | 3.30% |
| 1 Month to 2 Months | 3.00% | 3.50% |
| 2 Months to 3 Months | 3.25% | 3.75% |
| 3 Months to 4 Months | 3.50% | 4.00% |
| 4 Months to 6 Months | 3.85% | 4.35% |
| 6 Months to 9 Months | 4.50% | 5.00% |
| 9 Months to 12 Months | 4.75% | 5.25% |
| 1 Year | 6.10% | 6.60% |
| 1.2 Years | 6.70% | 7.20% |
| 1.5 Years | 6.60% | 7.10% |
| 1 Year to 2 Years | 6.50% | 7.00% |
| 2 Years to 3 Years | 6.40% | 6.90% |
| 3 Years to 5 Years | 6.25% | 6.75% |
| 5 Years | 6.00% | 6.50% |
| 5 Years to 10 Years | 6.00% | 6.50% |
| Period | Callable | Non-Callable |
| 7 Days to 14 Days | 5.00% | 5.00% |
| 15 Days to 29 Days | 5.00% | 5.00% |
| 30 Days to 45 Days | 5.25% | 5.25% |
| 46 Days to 90 Days | 5.35% | 5.35% |
| 91 Days to 120 Days | 5.75% | 5.8% |
| 121 Days to 180 Days | 5.75% | 5.8% |
| 181 Days to less than 9 Months | 5.75% | 5.8% |
| 9 Months to less than 1 Year | 5.75% | 5.8% |
| 1 Year | 6.25% | 6.3% |
| Above 1 Year to less than 2 Years | 6.00% | 6.05% |
| 2 Years to less than 3 Years | 5.5% | 5.5% |
| 3 Years to less than 5 Years | 5.5% | 5.5% |
| 5 Year | 5.5% | 5.5% |
| Above 5 Years | 5.5% | 5.5% |
*Indian Bank FD rates w.e.f. Oct 10, 2025. Senior Citizens do not get an additional interest rate on deposits above 3 crore to 5 crore. It shows the interest rates for Callable (Withdrawable) and Non-Callable (Non-Withdrawable).
| 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% | 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% |
| IDBI Bank | 3% | 6.65% |
| Indian Overseas Bank | 3.5% | 6.8% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 6.75% |
| Punjab and Sind Bank | 3% | 6.7% |
| UCO Bank | 2.75% | 5% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| 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% |
| Utkarsh | 4% | 7.65% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.05% |
| DCB Bank | 3.75% | 7.2% |
| Equitas Small Finance Bank | 3.5% | 7.4% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.8% |
| Shivalik Small Finance Bank | 3.5% | 7.3% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. October 2025 (for general public, domestic FDs < ₹3 Cr).
Here are some of the main benefits of opening an Indian Bank fixed deposit.
You can open an Indian Bank FD easily, either by online mode or by visiting the nearest bank branch in a few simple steps
These steps are for existing Indian Bank customers with internet banking facilities. Follow the steps to avoid any confusion -
For new customers or those who are not very comfortable with the online process, they can visit their nearest bank branch and follow the given instructions -
Here are some of the eligibility criteria that need to be fulfilled while applying for the Indian Bank FD -
Indian Bank Fixed Deposits offer assured returns with interest rates up to 6.70% p.a. for general citizens and 7.20% p.a. for senior citizens. With a minimum deposit of just ₹1,000, investors can choose flexible tenures ranging from 7 days to 10 years and enjoy features like pre-closure facility, loan against deposit, and premature withdrawal option. Indian Bank Senior Citizen FD rates are higher on deposits up to ₹10 crore. Besides, schemes like IND Secure, IND Green (555 days), and Money Multiplier Deposit are designed to meet diverse financial goals.
˜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 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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