Interest Rates
3.50% – 7.75% p.a.
Time Period
7 days – 10 years
Min - Max Amount
1,000 - No upper limit
Compounding
Quarterly
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Select Duration
Expected Rate of Return
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₹ 0
Invested Amount
₹ 10,000
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IndusInd Bank Limited stands as one of India's prominent private-sector banks, recognized for its customer-centric approach and digital innovation. Established in 1994 and headquartered in Mumbai, Maharashtra, the bank was founded with the vision of blending traditional relationship-based banking with modern technology-driven solutions. The institution has grown significantly since its inception, building a strong reputation for agile digital platforms and responsive customer service.
The bank offers a comprehensive suite of banking products and services tailored for individuals, businesses, and institutions. These include savings and current accounts, personal and business loans, credit cards, wealth management, insurance, and various investment solutions. Among its diverse offerings, IndusInd Bank provides multiple Fixed Deposit schemes designed to meet varying investor needs, allowing customers to securely invest their savings for fixed periods while earning competitive returns.
The bank maintains structured terms for fixed deposits, including minimum investment requirements and specific conditions for premature withdrawals. These provisions encourage disciplined savings while providing necessary flexibility for genuine financial needs. IndusInd Bank's commitment to combining technological advancement with personalized service has positioned it as a preferred choice for many investors seeking reliable financial solutions.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 – 14 days | 3.50% | 4.00% |
15 – 29 days | 3.50% | 4.00% |
30 – 45 days | 4.00% | 4.50% |
46 – 60 days | 4.50% | 5.00% |
61 – 90 days | 5.00% | 5.50% |
91 days – < 6 months | 5.50% | 6.00% |
6 months – < 9 months | 6.00% | 6.50% |
9 months – < 1 year | 6.50% | 7.00% |
1 year – < 15 months | 7.00% | 7.50% |
15 months – < 18 months | 7.25% | 7.75% |
18 months – < 2 years | 7.25% | 7.75% |
2 years – < 3 years | 7.25% | 7.75% |
3 years – < 5 years | 7.25% | 7.75% |
5 years – 10 years | 7.00% | 7.50% |
Note: The data is as of July 23, 2025.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 – 14 days | 3.75% | 4.25% |
15 – 29 days | 3.75% | 4.25% |
30 – 45 days | 4.25% | 4.75% |
46 – 60 days | 4.75% | 5.25% |
61 – 90 days | 5.25% | 5.75% |
91 days – < 6 months | 5.75% | 6.25% |
6 months – < 9 months | 6.25% | 6.75% |
9 months – < 1 year | 6.75% | 7.25% |
1 year – < 15 months | 7.25% | 7.75% |
15 months – < 18 months | 7.50% | 8.00% |
18 months – < 2 years | 7.50% | 8.00% |
2 years – < 3 years | 7.50% | 8.00% |
3 years – < 5 years | 7.50% | 8.00% |
5 years – 10 years | 7.25% | 7.75% |
Note: The data is as of July 23, 2025.
IndusInd Bank offers a comprehensive range of fixed deposit options designed to meet diverse financial needs. The bank provides competitive interest rates across various tenure options, with special preferential rates for senior citizens. With a low minimum investment threshold of just ₹1,000 and no upper limit, these FDs are accessible to investors across different financial capabilities.
The bank ensures flexibility through multiple interest payout options and provides loan facilities against deposits up to 90% of the FD value. Additional benefits include nomination facilities for secure succession planning, auto-renewal options, and seamless digital management capabilities. The combination of attractive returns, safety, and convenience makes IndusInd Bank FDs a reliable investment choice.
This standard FD scheme offers higher returns than regular savings accounts for tenures ranging from 7 days to 10 years. Investors can choose from multiple interest payout frequencies including monthly, quarterly, half-yearly, or annual options. The scheme allows premature withdrawals with applicable penalties and permits loans against the deposited amount, providing both growth potential and liquidity when needed.
Specifically designed for tax planning under Section 80C of the Income Tax Act, this scheme offers a mandatory 5-year lock-in period. Investments up to ₹1.5 lakh qualify for tax deductions, though the interest earned remains taxable. The scheme does not permit premature withdrawals or loans against the deposit, making it suitable for disciplined long-term savings with tax benefits.
This completely paperless FD can be opened through a fully online process using PAN and Aadhaar for e-KYC verification. Available to both existing and new customers, this option eliminates the need for branch visits or physical documentation. Funds can be transferred from any bank account, offering a convenient and efficient investment solution for tech-savvy investors.
In this cumulative scheme, interest is compounded quarterly and reinvested with the principal amount. The entire maturity value, including both principal and accumulated interest, is paid at the end of the tenure. This approach maximizes returns through the power of compounding, making it ideal for long-term wealth creation objectives.
Exclusively designed for individuals aged 60 years and above, this scheme offers an additional 0.50% interest across all tenures. It focuses on capital preservation while providing enhanced returns to support retirement needs. Senior citizens also receive dedicated customer support and priority services at bank branches.
Tailored for high-net-worth individuals, this premium scheme offers superior interest rates for larger deposit amounts. It provides flexibility in choosing between simple and compound interest structures but does not permit premature closure. This makes it suitable for investors with clear long-term financial objectives and minimal liquidity requirements.
This innovative product automatically transfers surplus funds from a linked savings account to a fixed deposit when the balance exceeds a predetermined threshold. It also automatically breaks the FD to maintain minimum balance requirements when necessary, combining higher returns with liquidity management.
These deposits cater to investment horizons from 7 days to less than 1 year, offering interest rates between 3.50% and 6.50% for regular customers. Senior citizens earn between 4.00% and 7.00% for the same periods. These FDs are ideal for parking temporary surplus funds, building emergency corpus, or meeting short-term financial objectives while maintaining liquidity access.
Covering tenures from 1 year to under 3 years, this category offers rates ranging from 7.00% to 7.25% for regular customers and 7.50% to 7.75% for senior citizens. These deposits provide an optimal balance between attractive returns and reasonable commitment periods, making them suitable for planned expenses like education fees, vehicle purchases, or home improvements.
With tenures spanning 3 years to 10 years, these FDs provide rates between 7.00% and 7.25% for regular investors and up to 7.50% to 7.75% for senior citizens. The extended tenure allows investors to lock in favorable rates for longer periods, benefiting from compounding effects. These are ideal for retirement planning and other long-range financial goals.
| Tenure Range | Institution Name | Interest Rate Range (%p.a.) |
|---|---|---|
| 15 months – < 18 months | 7.50› |
 | 15 months – < 18 months | 7.25› |
 | 15 months – < 18 months | 7.00› |
 | 1 year – 2 years | 7.50› |
 | 18 months 1 day – 24 months | 8.15› |
Note: The data is as of July 23, 2025
Existing IndusInd Bank customers can conveniently open fixed deposits through the bank's internet banking platform. The process involves logging into the internet banking account and navigating to the 'Deposit' section. Customers select 'Create Fixed Deposit' and enter required details including deposit amount, preferred tenure, interest payout frequency, and nominee information. After confirmation, the system debits the amount from the linked savings account and generates instant confirmation. The formal FD advice is sent to the registered email address and is also accessible through internet banking.
For customers preferring traditional banking channels, IndusInd Bank provides the option to open fixed deposits by visiting any branch. The process requires completing the FD application form with personal details, KYC information, and deposit specifications. Applicants submit the form along with self-attested copies of identity and address proof documents. After depositing the desired amount, the bank processes the application and issues a physical FD receipt as investment proof.
IndusInd Bank extends fixed deposit facilities to a wide range of individuals and entities. Eligible applicants include resident individuals (either singly or jointly), minors through guardians, senior citizens, and Hindu Undivided Families (HUFs). The eligibility further encompasses various business entities including sole proprietorships, partnership firms, private and public limited companies, as well as registered trusts and societies. All applicants must comply with the bank's KYC norms and provide necessary documentation as per regulatory requirements.
To open a fixed deposit with IndusInd Bank, applicants must submit valid KYC documents as per regulatory guidelines. The mandatory documents include proof of identity (Aadhaar card, Voter ID, Driving Licence, or Passport), proof of address (Aadhaar, utility bills, or passport), and PAN card as per Income Tax Department regulations. For non-individual entities, additional documents such as certificate of incorporation, partnership deed, or trust registration documents may be required along with authorisation letters.
IndusInd Bank's Tax Saving Fixed Deposit offers tax benefits under Section 80C of the Income Tax Act, with a mandatory 5-year lock-in period. As of July 2025, this scheme offers competitive interest rates ranging from approximately 7.00% to 7.25% for regular citizens and 7.50% to 7.75% for senior citizens. While the principal investment up to ₹1.5 lakh qualifies for tax deduction, the interest earned is fully taxable and added to the investor's annual income.
The bank deducts TDS at 10% if the annual interest income exceeds ₹40,000 (₹50,000 for senior citizens). Investors can avoid TDS deduction by submitting Form 15G or 15H if their total income is below the taxable limit. Providing PAN details to the bank is crucial, as failure to do so results in TDS at a higher rate of 20%. Investors should consider these tax implications while planning their FD investments.
IndusInd Bank permits premature withdrawal of fixed deposits subject to specific terms and conditions. The bank typically levies a penalty of 1% on the applicable interest rate for the period the deposit was held. No interest is paid if the FD is withdrawn within 7 days of opening. However, for fixed deposits of 2 years or more opened after December 15, 2020, no penalty is charged if withdrawn after completing 15 months. Digital FDs offer additional flexibility with one penalty-free partial withdrawal up to 25% of the principal amount. Tax Saving FDs have strict restrictions and cannot be withdrawn prematurely except in case of the depositor's demise.
Log in to IndusInd Bank Internet Banking, navigate to the 'Deposit' section, and select 'Create Fixed Deposit'. Enter the required details including amount, tenure, and nominee information, then confirm to complete the process instantly.
The minimum investment for regular IndusInd Bank fixed deposits is ₹1,000, while the Tax Saver FD can be opened with a minimum of ₹100, making it accessible to investors across different financial capabilities.
IndusInd Bank offers flexible tenure options ranging from 7 days to 10 years, with the Tax Saver FD having a fixed 5-year lock-in period and other schemes providing complete flexibility across short, medium, and long-term durations.
Both existing IndusInd Bank customers and new customers can open Digital FDs using PAN and Aadhaar for e-KYC verification, with the entire process completed online without requiring branch visits or physical documentation.
As of July 23, 2025, the highest FD rate for regular citizens is 7.25% p.a. for tenures of 15 months to less than 5 years, while senior citizens can earn up to 7.75% p.a. for the same tenure brackets.
Access IndusInd Bank's online FD calculator to input your investment amount, tenure, and type to estimate interest earnings and maturity value, helping assess tax liability and plan Section 80C investments efficiently.
Opt for cumulative FDs to benefit from compounding, choose optimal tenures of 15-60 months for peak rates, utilize senior citizen benefits where applicable, and avoid premature withdrawals while managing tax efficiency through Forms 15G/15H.
