IndusInd Bank offers FD interest rates of 3.50% - 7.75% p.a. to the general public and 4.00% - 8.25% p.a. to senior citizens on tenures ranging from 7 days to 61 months and above. The interest rate on IndusInd Bank Tax Saving FDs is 7.25% p.a. for the general public and 7.75% p.a. for senior citizen depositors for tenures of 5 years. The bank also offers various fixed deposit products for NRIs, such as NRO, NRE, RFC and FCNR fixed deposits. IndusInd Bank accepts FCNR fixed deposits and RFC fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro (EUR), Japanese Yen (JPY), Canadian Dollar (CAD) and Australian Dollar (AUD).
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FD Starts from Rs 2000
Card Limit = 90% of FD
*Rates are subject to change as per the bank's discretion.
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| Highest slab rate | 7.75% p.a. (1 year to 2 years) |
| 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 20 November 2024
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
No documentation
| 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 6 months | 7.75 | 8.25 |
| 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.
Card limit is 90% of FD Amount
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7%INTEREST ON FD
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 |
| Shivalik Small Finance Bank | 8.55 | 6.00 | 7.50 | 6.50 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| 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 | 8.20 | 8.00 | 7.25 | 0.50 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| RBL Bank | 8.10 | 7.50 | 7.50 | 7.10 | 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 |
| AU Small Finance Bank | 8.00 | 7.25 | 7.50 | 7.25 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Induslnd Bank | 7.75 | 7.75 | 7.25 | 7.25 | 0.50 |
| IDFC First Bank | 7.75 | 6.50 | 6.80 | 6.75 | 0.50 |
| Central Bank of India | 7.45 | 7.00 | 6.00 | 5.75 | 0.50 |
| Punjab & Sind | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
| Tenure | Regular Citizens (% p.a.) | Senior Citizens (% p.a.) |
| 5 Years | 7.25 | 7.75 |
| 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 up to 2 Years | 7.65 | 8.25 |
| Above 2 Years up 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 upto 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.
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| 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 | 6.00 | 6.05 | 6.05 | 6.05 | 5.65 | 4.00 | – | 4.55 | 5.30 |
| 2 years to 3 years | 4.80 | 4.80 | 4.80 | 4.80 | 5.00 | 3.20 | 2.50 | 3.90 | 4.60 |
| 3 years to 4 years | 4.75 | 4.75 | 4.75 | 4.75 | 4.85 | 3.20 | – | 3.90 | 4.50 |
| 4 years to 5 years | 4.75 | 4.75 | 4.75 | 4.75 | 4.80 | 3.20 | – | 3.90 | 4.50 |
| 5 years | 4.75 | 4.75 | 4.75 | 4.75 | 4.80 | 3.20 | 2.90 | 3.90 | 4.50 |
*RFC Deposit Rates are available only in USD, GBP & Euro
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| 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 |
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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.
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 7.75% for a tenure of 1 year to 2 years. 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.
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