IndusInd Bank FD interest rates range from 3.25% p.a. to 7.00% p.a. for the general citizens and from 3.75% p.a. to 7.50% p.a. for the senior citizens, varying on 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.
An IndusInd Bank FD is a versatile term deposit that allows you to lock in a lump sum for a chosen duration, with tenures ranging from 7 days to 5 years. It is essential to stay updated on the current FD interest rate to lock in the highest possible yield, especially during periods of market volatility. You can customise your payouts to be monthly, quarterly, semiannually, or yearly, or simply reinvest for maximum growth, with a low minimum deposit of just ₹10,000.
7 days to 120 months (10 years)
₹10,000
No stated maximum limit for general FDs.
Quarterly, or as per chosen payout frequency.
Yes, with a 5-year lock-in period for tax benefits.
Allowed for most FDs, with applicable penalties.
Yes, up to 90-95% of the FD value.
Yes, available.
Senior citizens receive an additional 0.50% interest.
IndusInd Bank has recently adjusted its fixed deposit interest rates. The changes are effective from August 2, 2025, with specific revisions across various tenures for both general and senior citizen depositors.
Check the latest IndusInd Bank FD interest rates 2026 based on deposit amount, tenure, and withdrawal rules.
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.25% | 3.75% |
| 15 Days to 1 Month | 3.25% | 3.75% |
| 1 Month to 2 Months | 3.50% | 4.00% |
| 2 Months to 2 Months | 4.50% | 5.00% |
| 2 Months to 3 Months | 4.75% | 5.25% |
| 3 Months to 4 Months | 5.00% | 5.50% |
| 4 Months to 6 Months | 5.00% | 5.50% |
| 6 Months to 7 Months | 5.75% | 6.25% |
| 7 Months to 9 Months | 6.00% | 6.50% |
| 9 Months to 12 Months | 6.25% | 6.75% |
| 12 Months to 12 Months | 6.25% | 6.75% |
| 1 Year to 1.1 Years | 6.75% | 7.25% |
| 1.1 Years to 1.2 Years | 6.75% | 7.25% |
| 1.1 Years to 1.2 Years | 6.75% | 0% |
| 1.2 Years to 1.3 Years | 6.75% | 7.25% |
| 1.3 Years to 1.4 Years | 6.75% | 7.25% |
| 1.4 Years to 1.5 Years | 6.75% | 7.25% |
| 1.5 Years to 1.5 Years | 7.00% | 7.50% |
| 1.5 Years to 2 Years | 6.90% | 7.40% |
| 2 Years to 2.5 Years | 6.90% | 7.40% |
| 2.5 Years to 2.6 Years | 6.90% | 7.40% |
| 2.6 Years to 3 Years | 6.90% | 7.40% |
| 3 Years to 5.1 Years | 6.65% | 7.15% |
| 5.1 Years | 6.50% | 7.00% |
| 10 Years | 6.50% | 7.00% |
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 4.4 | 4.9 |
| 15 days to 30 days | 4.5 | 5 |
| 31 days to 45 days | 4.95 | 5.45 |
| 46 days to 60 days | 5.45 | 5.95 |
| 61 days to 90 days | 5.7 | 6.2 |
| 91 days to 120 days | 5.85 | 6.35 |
| 121 days to 180 days | 5.95 | 6.45 |
| 181 days to 210 days | 6.1 | 6.6 |
| 211 days to 364 days | 6.2 | 6.7 |
| 1 year to below 1 year 1 month | 6.55 | 7.05 |
| 1 year 1 month to 3 Years | 6.75 | 7.25 |
| 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. September 25, 2025
Note:
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.45% |
| ICICI Bank | 2.75% | 6.5% |
| HDFC Bank | 2.75% | 6.45% |
| Axis Bank | 3% | 6.45% |
| Punjab National Bank | 3% | 6.4% |
| Kotak Mahindra Bank | 2.75% | 6.7% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.45% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.45% |
| Union Bank of India | 2.75% | 6.3% |
| Bank of India | 3% | 6.7% |
| Canara Bank | 4% | 7.25% |
| IDBI Bank | 3% | 6.55% |
| Indian Overseas Bank | 2.9% | 6.6% |
| Bank of Maharashtra | 2.6% | 6.65% |
| Central Bank of India | 3% | 6.5% |
| Punjab and Sind Bank | 2.85% | 6.6% |
| UCO Bank | 2.9% | 6.45% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.75% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.1% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.6% |
| 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% | 7.5% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 8.1% |
| DCB Bank | 3.75% | 7.15% |
| Equitas Small Finance Bank | 3.5% | 7.3% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.6% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.9% |
| Shivalik Small Finance Bank | 3.5% | 7.5% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. April 2026 (for general public, domestic FDs < ₹3 Cr).
Here are the main features and benefits of opening an IndusInd Bank FD, explained in simple terms:
An IndusInd Bank fixed deposit is a secure and flexible way to invest your savings and earn attractive returns. You can choose a one-time deposit amount and a tenure that suits your financial goals.
IndusInd Bank offers a seamless digital process for customers to open a fixed deposit instantly through netbanking or the mobile application. Check the steps below -
If you prefer a face-to-face interaction, you can visit your nearest IndusInd Bank branch to open a fixed deposit.
To open an IndusInd Bank FD account, you need to fulfill the following eligibility criteria.
IndusInd Bank FD interest rates reach up to 7.00% for general citizens and 7.50% for senior citizens, with a low minimum deposit of ₹10,000. The bank offers a smooth digital experience through video KYC, alongside flexible features like interest payout options, auto-renewal, and loans against your deposit. For global investors, checking the latest IndusInd Bank FCNR Rates is essential to earn tax-free, high-yield returns on foreign currency deposits without the risk of exchange rate fluctuations.
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