IndusInd Bank Fixed Deposit Rates 2026
IndusInd Bank Fixed Deposit rates range from 3.25% p.a. to 7.00% p.a. for regular deposit holders, with senior citizens earning up to 7.75% p.a. on deposits below Rs.3 crore. The rate depends on the tenure and the deposit amount, and the tables below list the current IndusInd Bank FD rates.
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 (p.a.) | Rate of Interest for Senior Citizens (p.a.) |
7 days to 30 days | 3.25 | 3.75 |
31 days to 45 days | 3.50 | 4.00 |
46 days to 60 days | 4.50 | 5.00 |
61 days to 90 days | 4.75 | 5.25 |
91 days to 120 days | 5.00 | 5.50 |
121 days to 179 days | 5.00 | 5.50 |
180 days | 6.00 | 6.50 |
181 days to 210 days | 5.75 | 6.25 |
211 days to 269 days | 6.00 | 6.50 |
270 days to 364 days | 6.25 | 6.75 |
1 Year to below 1 Year 6 month | 6.75 | 7.25 |
1 Year 6 months to below 1 Year 7 months | 6.90 | 7.40 |
1 Year 7 months to below 2 Years | 6.90 | 7.40 |
2 Years to 3 Years | 7.00 | 7.75 |
Above 3 years to below 61 months | 6.65 | 7.15 |
61 months and above | 6.50 | 7.00 |
Indus Tax Saver FD (5 years) | 6.65 | 7.15 |
Note: The interest rates are effective from 24 July 2026.
Senior citizens (aged 60 years and above) earn an additional 0.75% p.a. over the card rate on resident Fixed Deposits of below Rs.3 crore for a tenure of 2 years to 3 years, and an additional 0.50% p.a. for all other tenures. This benefit is not available on NRE and NRO deposits.
Interest is compounded quarterly, and simple interest is paid on maturity for deposits with a tenure of up to 180 days.
A penal interest of 1% applies on premature withdrawal of an IndusInd Bank Fixed Deposit. It is waived for resident senior citizen Fixed Deposits of below Rs.5 crore with a tenure of 1 year or above.
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 | 4.50 | 5.00 |
15 days to 30 days | 4.60 | 5.10 |
31 days to 45 days | 5.05 | 5.55 |
46 days to 60 days | 5.55 | 6.05 |
61 days to 90 days | 5.80 | 6.30 |
91 days to 120 days | 5.95 | 6.45 |
121 days to 180 days | 6.05 | 6.55 |
181 days to 210 days | 6.30 | 6.80 |
211 days to 270 days | 6.30 | 6.80 |
271 days to 364 days | 6.60 | 7.10 |
365 days to below 1 Year 3 Months | 6.85 | 7.35 |
1 Year 3 Months to below 1 Year 6 Months | 6.85 | 7.35 |
1 Year 6 Months to below 2 Years | 6.85 | 7.35 |
2 Years to 3 Years | 7.00 | 7.50 |
Above 3 Years to below 61 months | 7.00 | 7.50 |
61 months and above | 6.55 | 7.05 |
Note: Interest rates updated on 7 October 2026.
IndusInd Bank FCNR Fixed Deposit Rates
The FD rates for IndusInd Bank deposits against specific foreign currency are as follows:
Period / Currency (p.a.) | 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 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 2.45 | 0.01 | 2.25 | 4.45 |
2 yrs< 3 yrs | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 0.01 | 0.01 | 0.01 | 0.01 |
3 yrs< 4yrs | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 0.01 | 0.01 | 0.01 | 0.01 |
4 yrs< 5 yrs | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 0.01 | 0.01 | 0.01 | 0.01 |
5 yrs | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 0.01 | 0.01 | 0.01 | 0.01 |
Note: The interest rates are effective from 1 September 2026.
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
- Passport
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
Summary
IndusInd Bank Fixed Deposit rates vary by deposit amount, tenure and customer category, with senior citizens earning higher interest on eligible deposits. The bank offers general, senior citizen, FCNR and tax saver Fixed Deposits, along with nomination, auto renewal and flexible interest payout options. Compare the rate tables above before choosing a tenure, then book your IndusInd Bank Fixed Deposit.
FAQs on IndusInd Bank Fixed Deposits
1.What are IndusInd Bank Fixed Deposit rates based on?
IndusInd Bank Fixed Deposit rates are based on the deposit amount, the tenure and the type of customer. The bank lists its rates in separate tables for deposits below Rs.3 crore and for deposits of Rs.3 crore to Rs.5 crore, and the rates are revised from time to time.
2.Are there any special rates for senior citizens FD of IndusInd Bank?
Yes, IndusInd Bank offers higher interest rates on Fixed Deposits for senior citizens, which are shown in the senior citizen column of the rate tables above. The additional interest is not available on NRE and NRO deposits.
3.How is interest paid on an IndusInd Bank Fixed Deposit?
IndusInd Bank Fixed Deposit interest can be paid monthly, quarterly, half-yearly, annually or at maturity, as per the depositor's convenience. The payout option is chosen when the deposit is booked.
4.What are IndusInd Bank FCNR Fixed Deposits?
IndusInd Bank FCNR Fixed Deposits are deposits held in specific foreign currencies such as USD, GBP, EUR, JPY, CAD and AUD. The rate for each currency and tenure is listed in the FCNR table above.
5.What are the features of IndusInd Bank Fixed Deposits?
IndusInd Bank Fixed Deposits offer flexible tenures, additional interest for senior citizens, flexible interest payout, partial withdrawals, nomination and auto renewal. The full list is given in the features section above.
6.Can I withdraw part of my IndusInd Bank Fixed Deposit?
Yes, IndusInd Bank allows partial withdrawals from its Fixed Deposits, subject to the bank's terms. Any penal interest on premature withdrawal is set by the bank, so check the terms before booking the deposit.
7.Can I avail nomination facility for IndusInd Bank Fixed Deposits?
Yes, nomination facility can be availed for IndusInd Bank Fixed Deposit schemes.
8. Is auto renewal available on IndusInd Bank Fixed Deposits?
Yes, IndusInd Bank Fixed Deposits come with an auto renewal facility. This lets the deposit continue after maturity without a fresh booking.
9.Who is eligible to open an IndusInd Bank Fixed Deposit?
Individuals, sole proprietorships, HUFs, limited companies, partnership firms, trusts, associations, societies, clubs and guardians of minors can invest in an IndusInd Bank Fixed Deposit. The eligibility section above lists each category.
10.What documents are required to open an IndusInd Bank Fixed Deposit?
Opening an IndusInd Bank Fixed Deposit requires proof of identity and proof of address. The documents section above lists the options for each.
11.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.
12.What types of Fixed Deposit schemes does IndusInd Bank offer?
IndusInd Bank offers Fixed Deposits for general citizens, NREs and NROs, Fixed Deposits for senior citizens and the IndusInd Tax Saver Scheme FD. Each category is listed in the types section above.
13.Does IndusInd Bank offer a tax saver Fixed Deposit?
Yes, IndusInd Bank offers the IndusInd Tax Saver Scheme FD, which has a tenure of five years. Its rate is listed in the rate table for deposits below Rs.3 crore.
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