हिंदी में पढ़े
IndusInd Bank FD Interest Rates Highlights
| Highest slab rate | 7.99% p.a. (1 year 5 months to less than 1 year 6 months) |
| For 1 year | 7.75% p.a. |
| For 2 years | 7.75% p.a. |
| For 3 years | 7.25% p.a. |
| For 4 years | 7.25% p.a. |
| For 5 years | 7.25% p.a. |
| Tax-Saving FD | 7.25% p.a. |
Note: Interest rates as of 21 January 2025
IndusInd Bank FD Rates
IndusInd Bank FD Interest Rates for Domestic/NRO/NRE Deposits of less than Rs 3 crore w.e.f. 26 November 2024
| Tenure | Regular Citizens (% p.a.) | Senior Citizens (% p.a.) |
| 7 days to 14 days | 3.50 | 4.00 |
| 15 days to 30 days | 3.50 | 4.00 |
| 31 days to 45 days | 3.75 | 4.25 |
| 46 days to 60 days | 4.75 | 5.25 |
| 61 days to 90 days | 4.75 | 5.25 |
| 91 days to 120 days | 4.75 | 5.25 |
| 121 days to 180 days | 5.00 | 5.50 |
| 181 days to 210 days | 5.85 | 6.35 |
| 211 days to 269 days | 6.10 | 6.60 |
| 270 days to 354 days | 6.35 | 6.85 |
| 355 days to 364 days | 6.50 | 7.00 |
| 1 year to below 1 year 3 months | 7.75 | 8.25 |
| 1 year 3 months to below 1 year 4 months (15 months to 16 months) | 7.75 | 8.25 |
| 1 year 4 months to below 1 year 5 months | 7.75 | 8.25 |
| 1 year 5 months to below 1 year 6 months | 7.99 | 8.49 |
| 1 year 6 months to 2 years | 7.75 | 8.25 |
| Above 2 years to below 2 years 6 months | 7.25 | 7.75 |
| 2 years 6 months to below 2 years 7 months (30 months to 31 months) | 7.25 | 7.75 |
| 2 years 7 months to 3 years 3 months | 7.25 | 7.75 |
| Above 3 years 3 months to below 61 months | 7.25 | 7.75 |
| 61 months and above | 7.00 | 7.50 |
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
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.) |
| Unity Small Finance Bank | 9.00 | 7.85 | 8.15 | 8.15 | 0.50 |
| North East Small Finance Bank | 9.00 | 7.00 | 9.00 | 6.25 | 0.50 |
| Suryoday Small Finance Bank | 8.60 | 8.05 | 8.60 | 8.25 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| Shivalik Small Finance Bank | 8.30 | 6.00 | 7.50 | 6.50 | 0.50 |
| Jana Small Finance Bank | 8.25 | 8.25 | 8.25 | 8.20 | 0.50 |
| Ujjivan Small Finance Bank | 8.25 | 8.25 | 7.20 | 7.20 | 0.50 |
| ESAF Small Finance Bank | 8.25 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 8.25 | 8.10 | 8.00 | 7.25 | 0.50-0.75 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| AU Small Finance Bank | 8.10 | 7.25 | 7.50 | 7.25 | 0.50 |
| DCB Bank | 8.05 | 7.10 | 7.55 | 7.40 | 0.50 |
| Bandhan Bank | 8.05 | 8.05 | 7.25 | 5.85 | 0.50-0.75 |
| RBL Bank | 8.00 | 7.50 | 7.50 | 7.10 | 0.50 |
| Induslnd Bank | 7.99 | 7.75 | 7.25 | 7.25 | 0.50 |
| IDFC First Bank | 7.90 | 6.50 | 6.80 | 6.75 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Central Bank of India | 7.50 | 6.85 | 7.00 | 6.75 | 0.50 |
| Punjab & Sind Bank | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
Indus Tax Saver Deposit Interest Rates
| Tenure | Regular Citizens (% p.a.) | Senior Citizens (% p.a.) |
| 5 Years | 7.25 | 7.75 |
IndusInd Bank FD Interest Rates for Domestic/NRO/NRE Deposits of Rs 3 crore to less than Rs 5 crore w.e.f. 26 November 2024
| Tenure | Regular Citizens (% p.a.) | Senior Citizens (% p.a.) |
| 7 days to 14 days | 4.90 | 5.50 |
| 15 days to 30 days | 5.00 | 5.60 |
| 31 days to 45 days | 5.50 | 6.10 |
| 46 days to 60 days | 6.00 | 6.60 |
| 61 days to 90 days | 6.35 | 6.95 |
| 91 days to 120 days | 6.85 | 7.45 |
| 121 days to 180 days | 7.00 | 7.60 |
| 181 days to 210 days | 7.00 | 7.60 |
| 211 days to 269 days | 7.10 | 7.70 |
| 270 days or 354 days | 7.20 | 7.80 |
| 355 days or 364 days | 7.25 | 7.85 |
| 1 Year to below 1 Year 6 Months | 7.65 | 8.25 |
| 1 Year 6 Months to below 1 Year 7 Months | 7.65 | 8.25 |
| 1 Year 7 Months to 2 Years | 7.65 | 8.25 |
| Above 2 Years to 2 Years 1 Month | 7.20 | 7.80 |
| Above 2 years 1 month to below 2 years 6 Months | 7.20 | 7.80 |
| 2 years 6 Months to below 2 years 9 Months | 7.20 | 7.80 |
| 2 years 9 Months to 3 years 3 months | 7.20 | 7.80 |
| Above 3 years 3 month to below 61 month | 7.10 | 7.70 |
| 61 month and above | 7.00 | 7.60 |
Note: Additional Senior citizens interest rates will not be applicable for NRO/NRE Deposits
IndusInd Bank FD Rates on FCNR/RFC* deposits w.e.f. 16 January 2025
| Tenure | Interest Rates (% p.a.) | ||||||||
| 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 | EUR | JPY | CAD | AUD | |
| 1 year to 2 years | 5.85 | 6.00 | 6.00 | 6.00 | 5.40 | 3.20 | – | 3.70 | 4.90 |
| 2 years to 3 years | 4.80 | 4.80 | 4.80 | 4.80 | 4.90 | 2.80 | 2.50 | 3.20 | 4.60 |
| 3 years to 4 years | 4.75 | 4.75 | 4.75 | 4.75 | 4.85 | 2.80 | – | 3.20 | 4.50 |
| 4 years to 5 years | 4.75 | 4.75 | 4.75 | 4.75 | 4.80 | 2.90 | – | 3.50 | 4.50 |
| 5 years | 4.75 | 4.75 | 4.75 | 4.75 | 4.80 | 3.00 | 2.90 | 3.65 | 5.00 |
*RFC Deposit Rates are available only in USD, GBP & Euro
Types of IndusInd Bank FD Schemes
Regular Fixed Deposit Account
- This term deposit plan comes with hassle-free online booking (especially for IndusInd customers), flexible tenure and multiple interest payment options.
- Tenure: 6 months to 10 years
- Minimum Deposit Amount: Rs 10,000
- Maximum Deposit Amount: Rs 10 lakh (Rs 90,000 for new customers)
- Tax Saver FD: The depositor can book an FD of 5 years or above to be eligible for tax benefits under Section 80C of the Income Tax Act
- Interest Payout: These interest payout options for this term deposit product are monthly, quarterly, half-yearly, yearly and at maturity.
IndusInd Deposit Plus Account
- This term deposit plan ensures capital protection while offering the potential of earning higher returns via investing the interest income in Mutual fund Systematic Investment Plan (SIP)
- Tenor: 7 days to 120 months
- Minimum Deposit Amount: Rs 10,000
- Capital Protection: As the principal amount remains invested in an FD, it offers maximum capital protection to any bank FD
- Interest Payout: The interest earned from IndusInd Deposit Plus will be credited into the savings or current account of the depositor, which is then invested in a mutual fund (chosen by the depositor) through the SIP route. The minimum monthly interest payout should be Rs 1,000 to be eligible for the Deposit Plus Scheme.
- Overdraft and Premature Withdrawal: Both these facilities are available in the Deposit Plus Account
- Eligibility: Any resident with IndusInd savings or current account, and any Non-resident with an IndusInd NRE or NRO account (excluding minors) can open a Deposit Plus Account
IndusInd Bank Green Fixed Deposit
- IndusInd Bank Green Fixed Deposits allocates the FD proceeds for financing or refinancing the assets aligned with the United Nations Sustainable Development Goals (such as energy efficiency, agriculture, renewable energy, forestry, waste management, sustainable foods and greenhouse gas reduction).
- Tenor: The tenor for the Green Fixed Deposit scheme is mentioned below:
| FD Value | FD Tenor |
| More than Rs 5 crore | 344 to 354 days |
| 18 to 19 months | |
| 24 to 61 months | |
| Less than Rs 5 crore | 24 to 61 months |
- Additional interest: Any individual aged above 60 years will get additional interest of 0.50% p.a. for a deposit value below Rs 3 crore (Not applicable for NRO/NRE deposits).
- Insurance: The deposits in this FD are backed by insurance of up to Rs 5 lakh.
- Premature withdrawal: The premature withdrawal charges are 1% of the total FD value.
- Loan Against FD: Depositors can avail loan against their fixed deposits. However, the status of such deposits will cease to be Green Fixed Deposits and will convert to a regular FDs.
- Green Certificate: The depositors will get a ‘Green Certificate’ along with their regular FD advice.
- Eligibility: The IndusInd Bank Green FD Account can be opened by Individuals, Hindu Undivided Families (HUFs), Sole Proprietors, Partnership firms, Limited Companies, Guardians (on behalf of a minor), Societies, Clubs, Trusts and Associations.
IndusInd Bank Senior Citizens Fixed Deposit Scheme
- This FD scheme is launched for senior citizens to provide higher interest rates on their term deposits
- Minimum Deposit Amount: Rs 10,000
- Tenor: 7 days to 120 months
- Interest Rate: 0.50% more than the interest rate on term deposits for regular customers
- Joint Deposits: In the case of a joint deposit account under this scheme, the first name should be of a senior citizen.
- Commercial Usage: The deposits under this scheme should not be used as collateral/security for commercial purposes.
- Premature Closure: Premature withdrawal by breaking the FD before the maturity date is permitted under the Senior Citizens Savings Scheme.
IndusInd Sweep In/Sweep Out
- This scheme helps individuals to get higher returns while ensuring liquidity, without incurring any additional costs for it, on their savings or current account either by transferring the excess amount beyond a threshold limit in the term deposits or breaking those deposits in case of insufficient balance in those accounts.
- Minimum Deposit Amount: Applicable as per the underlying current or savings bank account type.
- Tenor: 30 days to 24 months
- Premature Closure: Premature Withdrawal is applicable in the sweep in/sweep out Scheme.
- Eligibility: Individuals or Companies who are getting regular inflow/outflow in their current or savings bank accounts are best suited for this scheme.
NRE Fixed Deposit
- It is a term deposit plan in the Indian Rupee for NRIs and PIOs to make deposits from income earned through foreign sources
- Tenure: 1 – 10 years
- Taxation: The interest earned on NRE FD account is completely exempt from taxation in India
- Interest: The interest for NRE FD is compounded on a quarterly basis. The depositor needs to keep the funds in NRE FD account for minimum 1 year to earn interest on their deposit
- Repatriation of Funds: The deposits in the NRE deposit account (both principal and interest) are fully repatriable
NRO Fixed Deposit
- This Indian Rupee term deposit plan is suitable for NRIs and PIOs who want to invest their income generated in India
- Tenure: 7 days to 10 years
- Taxation: The interest earned on NRO FD account is subject to 30% taxation (plus the applicable surcharge and cess)
- Interest: The interest for NRO FD is compounded on a quarterly basis. The depositor needs to keep the funds in the account for minimum 1 year to earn interest on their deposit
- Repatriation of Funds: RBI permits repatriation of up to US$ 1 million (or an equivalent amount) in a financial year for bonafide purposes
FCNR Deposit for NRI
- This term deposit plan allows NRI depositors hold their overseas earnings in foreign currency without converting them in Indian Rupees to protect from exchange rate risk.
- Tenure: 1 – 5 years
- Taxation: The interest earned on FCNR Deposit for NRI is completely exempt from taxation in India
- Interest: The interest for NRO FD is compounded on a half-yearly basis. The depositor needs to keep the funds in the account for minimum 1 year to earn interest on their deposit
- Repatriation of Funds: The deposits in the FCNR deposit account (both principal and interest) are fully repatriable
IndusInd Bank FD Calculator
IndusInd Bank FD Calculator can be used to check the interest and maturity amount that the depositor shall get on maturity. Since IndusInd FD interest rates keep on changing, it is highly advisable to check the maturity amount as per the prevailing interest rates before investing in a fixed deposit. The tool requires minimal information including the deposit amount and tenure for which this amount is to be deposited. Along with these two inputs, customers need to provide the fixed deposit rate too on which the maturity amount will be calculated.
Frequently Asked Questions (FAQs)
Q. What is the highest IndusInd bank FD interest rate for deposit schemes to regular individuals?
A. The highest interest rate of IndusInd Bank’s fixed deposit scheme to regular individuals is 7.99% for a tenure of 1 year 5 months to less than 1 year 6 months. Currently, IndusInd Bank is offering one of the highest FD interest rates among the top 20 scheduled commercial banks.
Q. What is the minimum tenure of the IndusInd Bank Fixed Deposit Scheme?
A. The minimum tenure of the IndusInd Bank Fixed Deposit Scheme is 7 days.
Q. What is the maximum tenure of the IndusInd Bank Fixed Deposit Scheme?
A. The maximum tenure of the IndusInd Bank Fixed Deposit Scheme is 10 years.
Q. Is a premature withdrawal facility available for Indus Tax Saver Deposit Scheme?
A. No, premature withdrawal is not available for Indus Tax Saver Deposit Scheme.
Q. What is the highest IndusInd bank FD interest rate for deposit schemes to senior citizens?
A. The highest interest rate of the IndusInd Bank fixed deposit scheme to senior citizens is 8.25%, for a tenure of 1 year to 2 years.
Q. Can an account holder apply for IndusInd Bank FD via Internet Banking?
A. Yes, an account holder can easily apply for IndusInd Bank FD via Internet Banking.
Q. Is it safe to open FDs with IndusInd Bank?
A: IndusInd Bank is categorised as scheduled banks by the RBI, which makes its depositors eligible for Rs 5 lakhs deposit insurance cover provided by the DICGC on fixed deposits, savings accounts, current accounts and recurring deposits.
Q. How much time does IndusInd Bank take to open FDs if the funding is from another bank?
A: IndusInd Bank takes 2 working days to open online FDs if the funding of the FD is sourced from another bank. The turnaround would depend on the payment realisation from the depositor’s debiting bank and credit from the payment partner.
Q. What is the process of getting printed FD Advice from IndusInd Bank?
A: Depositors can also visit the IndusInd Bank Branch to get printed FD Advice of their IndusInd Bank FD. Depositors can also log in to IndusInd Bank Net Banking portal or IndusMobile App to download their printed FD Advice. They need to browse over to the ‘Fixed Deposits’ or ‘Account Summary’ tab and click on ‘View/ Download Fixed Deposit Advice’ section A printable FD Advice will appear on the screen, which can be saved or printed as the depositor’s preference.
Q. Can I add a nominee for an existing IndusInd Bank FD?
A: Yes you can add a nominee for an existing IndusInd Bank FD by submitting a nomination form.
Q. What will happen to my IndusInd Bank FD maturity amount if I don’t have any savings account with IndusInd Bank?
A: If you don’t have an IndusInd Bank savings account, the FD maturity amount will be transferred to you through a Demand Draft issued in your name.
Q. What is the process of opening an online FD through the IndusInd Bank website?
A: Customers can visit the IndusInd Bank website, click on the “Apply Now” section on the right side of the screen, fill out the FD online application and. Then choose the type of fixed deposit they seek to openyou. Once done, they would have to authenticate themselves and then, transfer funds online to open the FD. Once the FD is opened, they will receive the copy of their FD details.
Q. Can a non-customer of IndusInd Bank open FDs with the bank?
A: A non-customer of IndusInd Bank can open FDs with the bank.
Q. What are the documents required by IndusInd Bank for opening online FDs by its non-customers?
A: Soft copies of Aadhaar number and PAN card are required for opening online FDs of by the non-customers of IndusInd Bank.
Q. Who are eligible for opening online FDs with IndusInd Bank?
A: Individuals seeking to open online FDs with IndusInd Bank should be an Indian citizen of aged 18 years and above and have valid KYC documents such as Aadhar Card and PAN Card.
Q. What is the process of closing IndusInd Bank online FDs?
A: Depositors can close their IndusInd Bank online FDs by logging into IndusNet or IndusMobile Application.
Q. Does IndusInd Bank require fresh documentation from its existing customers to open FDs?
A: The existing customers of IndusInd Bank are not required to submit fresh documents to open FDs with the bank.
Q. Can I open an FD through the VideoBranch facility of IndusInd Bank?
A: Yes, you can open an FD through the VideoBranch facility of IndusInd Bank by connecting with Branch Managers, Relationship Managers or with bank’s centralized VideoBranch.
Q. What is the process of opening FD through the IndusMobile facility?
A: To open FD through the IndusMobile facility, depositors need to click on the deposit option under the Quick link tab, click on ‘Fixed Deposit’ option, and then select the FD tenure and amount.