Indian Bank FD Calculator 2026
A fixed deposit (FD) is a type of financial instrument that helps you grow your earnings with zero risks. In this form of investment, you receive your deposited amount with a high interest. Indian Bank fixed deposit interest rates range from 2.80% p.a. to 6.60% p.a. for general public and 3.30% p.a. to 7.10% p.a. for senior citizens.
If you wish to estimate the FD maturity amount you will be entitled to, you can use an online FD Calculator. This online tool is easy to use and shows accurate results for the returns you will receive from an investment.
How to Use the FD Calculator?
To estimate the maturity value using an online FD Calculator, follow these steps.
Step 1: Specify your customer type from the two options namely regular customer and senior citizen.
Step 2: Then, select the type of fixed deposit
Step 3: Next, use the slider to enter the deposit amount, tenure and rate of interest.
Step 4: Click on 'Calculate' to check your maturity amount.
Benefits of Using an FD Calculator
- A fixed deposit calculator is simple to operate and saves time.
- You can compare the investment plans offered by different financial institutions and choose the one that works for you.
- You can avoid cumbersome calculations and get accurate results in seconds.
- An FD Calculator is free to use.
Indian Bank FD Interest Rates for Deposits Below Rs.3 Crore
Tenure Bracket | Regular FD rates (p.a.) | Senior Citizens FD rates (p.a.) |
7 to 14 days | 2.80% | 3.30% |
15 to 29 days | 2.80% | 3.30% |
30 to 45 days | 3.00% | 3.50% |
46 to 90 days | 3.25% | 3.75% |
91 to 120 days | 3.50% | 4.00% |
121 to 180 days | 3.85% | 4.25% |
181 days to less than 9 months | 4.50% | 5.00% |
9 months to less than 1 year | 4.75% | 5.25% |
1 year | 6.10% | 6.60% |
Above 1 year to less than 2 years (Except 444 and 555 days) | 6.20% | 6.70% |
Ind Secure (444 days) | 6.60% | 7.10% |
Ind Green (555 days) | 6.40% | 6.90% |
2 years to less than 3 years | 6.15% | 6.65% |
3 years to less than 5 years | 6.05% | 6.55% |
5 years | 6.00% | 6.50% |
More than 5 years | 6.00% | 6.50% |
Note: The Indian Bank Fixed Deposit interest rates tend to change at the discretion of the bank. The rates of interest mentioned here are valid as of 3 March 2026.
FAQs on Indian Bank FD Calculator
- What is the charge to use the FD Calculator?
An online FD Calculator is free of cost.
- What is the maximum Indian Bank FD rate available to senior citizens?
The maximum fixed deposit interest rates offered by Indian Bank to the senior citizen customers are 7.10% p.a.
- Can I open my fixed deposit account without a PAN?
Yes, opening your fixed deposit account is possible without PAN but it is recommended not to do so as it prevents in claiming TDS (Tax Deducted on Source) on interest earned from fixed deposit.
- Does Indian Bank provide a Loan against FD?
Yes, loan facility is provided by the Indian Bank against the fixed deposit amount which is 90% of the deposit amount. The loan amount varies depending upon various factors, such as the bank norms, and enables the customer to meet their liquidity requirements without breaking the FD scheme.
- Is there a Premature withdrawal facility available with Indian Bank?
Yes, depositors can avail themselves of premature facility on Indian Bank fixed deposit scheme to access fund in case of any financial emergencies.
- Why Indian Bank FD calculators beneficial?
Indian Bank FD calculators help estimate returns and make informed investment decisions. They allow you to adjust factors like tenure, amount, compound frequency, and interest rate to see how they impact returns. You can also compare FD schemes across banks and NBFCs, and view maturity values in graphical and tabular formats.
- Are there any eligibility criteria to use Indian Bank FD calculators?
No, there is not eligibility criteria to use Indian Bank FD calculator. Anyone can use this calculator to calculate the interest amount that can be earned for the Indian Bank FD for a specific deposit amount and tenure.
- Is there any penalty amount involved in premature withdrawal of Indian Bank FD?
Yes, Indian Bank charges a penalty amount of 1.00% on premature withdrawal of all deposit of Rs.5 lakh and above, if the deposit held with the bank is withdrawn before 181 days. While the bank charges no penalty on deposit less than Rs.5 lakh in case the investment amount is held for 181 days.
- Can I change my Indian Bank FD term after starting the investment?
No, once the fixed deposit account has been opened with the Indian Bank, you cannot change your FD term. Once the standing instruction is set during the onset of the FD account, it cannot be changed further.
- Do I need to submit any documents to use the FD Calculator?
No, you don't need any documents to use the FD Calculator.
- How long does the FD Calculator require to calculate the maturity value?
The FD Calculator generates results in seconds.
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