IndusInd Bank Fixed Deposit Rates 2025
IndusInd Bank offers competitive interest rates on Fixed Deposits (FDs) that range from 3.50% p.a. to 7.75% p.a. For regular deposit holders. It also offers special rates for senior citizens.
IndusInd Fixed Deposit schemes give you various options of interest payable monthly, quarterly, half-yearly, annually or at maturity as per your convenience.
IndusInd Bank FD Rates for Deposits Below Rs. 3 Crore (Premature withdrawal allowed)
Tenure | Rate of Interest for General Public | Rate of Interest for Senior Citizens |
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 (15 months) to below 1 Year 4 months (16 months) | 7.75 | 8.25 |
1 Year 4 months to below 1 Year 6 months | 7.75 | 8.25 |
1 Year 6 Months up to 2 Years | 7.75 | 8.25 |
Above 2 Years to below 2 Years 6 Month | 7.25 | 7.75 |
2 years 6 Months (30 months) to below 2 years 7 months (31 months) | 7.25 | 7.75 |
2 year 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 |
Indus Tax Saver Scheme (5 years) | 7.25 | 7.75 |
Note: The interest rates are applicable w.e.f. 3 July 2024.
IndusInd Bank FD Rates for Deposits Between Rs. 3 Crore and Rs. 5 Crore (Premature Withdrawal Allowed)
Tenure | General FD Rates (p.a) | Senior Citizen FD Rates (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 to 354 days | 7.20 | 7.80 |
355 days to 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 upto 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 |
Indus Tax Saver Scheme (5 years) | NA | NA |
Note: The interest rates are applicable w.e.f. 3 July 2024.
IndusInd Bank FCNR Fixed Deposit Rates
The FD rates for IndusInd Bank deposits against specific foreign currency are as follows:
Period / Currency | USD < 1 Mio | USD 1 Mio < 10 Mio | USD 10 Mio < 25 Mio | USD 25 Mio & Above | GBP | EUR | JPY | CAD | AUD |
1yr < 2 yrs | 6.00 | 6.05 | 6.05 | 6.05 | 5.65 | 4.00 | - | 4.55 | 5.30 |
2 yrs< 3 yrs | 4.80 | 4.80 | 4.80 | 4.80 | 5.00 | 3.20 | 2.50 | 3.90 | 4.60 |
3 yrs< 4yrs | 4.75 | 4.75 | 4.75 | 4.75 | 4.85 | 3.20 | - | 3.90 | 4.50 |
4 yrs< 5 yrs | 4.75 | 4.75 | 4.75 | 4.75 | 4.80 | 3.20 | - | 3.90 | 4.50 |
5 yrs | 4.75 | 4.75 | 4.75 | 4.75 | 4.80 | 3.20 | 2.90 | 3.90 | 4.50 |
Note: The interest rates are applicable w.e.f. 4 July 2024.
Features and Benefits of IndusInd Bank Fixed Deposits
The features and benefits of IndusInd Bank Fixed Deposit Schemes can be summed up as follows:
- Lucrative rates of interest
- Additional interest for senior citizens
- Flexible investment tenure
- Partial withdrawals are allowed
- Flexibility in terms of interest payout
- Nomination facilities
- Auto renewal facilities
Eligibility Criteria and Documents Required
The following are eligible to invest in an IndusInd Bank Fixed Deposit Scheme:
- Individuals
- Sole proprietorships
- HUFs
- Limited companies
- Partnership firms
- Trusts
- Associations
- Societies
- Clubs
- Guardians of minors
The following documents are required to start investing in an IndusInd Bank Fixed Deposit Scheme:
- Proof of Identity:
- PAN card
- Driving licence
- Aadhaar card
- Senior citizen ID (if applicable)
- Photo ID card issued by the government
- Passport
- Proof of Address:
- Utility bills such as electricity bill and telephone bill
- Passport
- Bank statement along with cheque
Types of IndusInd Bank Fixed Deposit Schemes
IndusInd Bank offers the following categories of Fixed Deposit Schemes:
- Fixed Deposits for general citizens, NREs, and NROs
- Fixed Deposits for senior citizens
- IndusInd Tax Saver Scheme FD
FAQs on IndusInd Bank Fixed Deposits
- What is the highest fixed deposit interest rate for IndusInd Bank?
The highest FD interest rates offered by IndusInd Bank are 7.75% for domestic, NRO, and NRE deposits and 8.25% for senior citizens' deposits. Both the rates are applicable to the investment tenure of 2 years to less than 3 years.
- Can a customer open an FD account online in IndusInd Bank?
Yes, IndusInd Bank allows its customers to open an FD account online through their portal.
- Can I avail nomination facility for IndusInd Bank Fixed Deposits?
Yes, nomination facility can be availed for IndusInd Bank Fixed Deposit schemes.
- Are there any special rates for senior citizens FD of IndusInd Bank?
Yes, IndusInd Bank offers special interest rate for senior citizens' fixed deposit schemes. The rates are usually 0.5% higher than the general rates.
- Did IndusInd Bank increased FD rates in 2025?
No, IndusInd Bank has not increased the FD rates in 2025.
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