Indian Bank FD rates range between 2.80% to 6.60% per year for the general public and between 3.30% to 7.10% per year for senior citizens. The tenure of the deposit ranges from 7 days to 10 years. Indian Bank offers its best schemes, such as IND Green 555 Days Deposit, IND Secure (444-day deposit), and the Motor Accident Claim Tribunal Deposit (MACAD) Scheme, with an additional 0.50% interest rate for senior citizens.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
Indian Bank FD offers interest rates up to 6.60% for general citizens and 7.10% p.a. for senior citizens with high security returns. Super senior citizens benefit from a 0.75% premium on special schemes such as the 444-day IND Secure and the 555-day IND Green. Global investors (NRIs) can earn competitive NRE rates by opening an Indian Bank NRE account.
To ensure you're getting the best value, always compare these with other FD interest rates, and NRIs should investigate NRE FD Rates across the market before investing. This will allow you to make a more informed choice and select the most suitable tenure for your capital.
7 days to 10 years
₹1,000
No limit
Monthly / Quarterly / Half-Yearly / Yearly Payout Options
Available with a penalty
Best interest rates available
Available
Available
Yes, TDS is available
Indian Bank has extended the deadline for its special fixed deposits, namely the 444-day IND Secure and 555-day IND Green schemes, as of October 2025. Regular citizens can now earn interest rates ranging from 2.80% to 6.70%, including these special FDs.
The table below provides an overview of indicative Indian Bank FD Rates for different tenures:
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 2.80% | 3.30% |
| 15 Days to 29 Days | 2.80% | 3.30% |
| 1 Month to 2 Months | 3.00% | 3.50% |
| 2 Months to 3 Months | 3.25% | 3.75% |
| 3 Months to 4 Months | 3.50% | 4.00% |
| 4 Months to 6 Months | 3.85% | 4.35% |
| 6 Months to 9 Months | 4.50% | 5.00% |
| 9 Months to 12 Months | 4.75% | 5.25% |
| 1 Year | 6.10% | 6.60% |
| 1.2 Years | 6.70% | 7.20% |
| 1.5 Years | 6.60% | 7.10% |
| 1 Year to 2 Years | 6.50% | 7.00% |
| 2 Years to 3 Years | 6.40% | 6.90% |
| 3 Years to 5 Years | 6.25% | 6.75% |
| 5 Years | 6.00% | 6.50% |
| 5 Years to 10 Years | 6.00% | 6.50% |
| Period | Callable | Non-Callable |
| 7 days to 14 days | 5.00 | 5.00 |
| 15 days to 29 days | 5.00 | 5.00 |
| 30 days to 45 days | 5.00 | 5.00 |
| 46 days to 90 days | 5.50 | 5.55 |
| 91 days to 120 days | 5.50 | 5.55 |
| 121 days to 180 days | 5.50 | 5.55 |
| 181 days to less than 9 months | 5.50 | 5.55 |
| 9 months to less than 1 year | 5.75 | 5.80 |
| 1 year | 6.00 | 6.05 |
| Above 1 year to less than 2 years | 6.00 | 6.05 |
| 2 years to less than 3 years | 5.50 | 5.50 |
| 3 years to less than 5 years | 5.50 | 5.50 |
| 5 year | 5.50 | 5.50 |
| Above 5 years | 5.50 | 5.50 |
*Indian Bank FD rates w.e.f January 17, 2026. Senior citizens do not receive the additional interest rate on deposits between ₹3 crore and ₹5 crore. The above table shows rates for Callable (withdrawable) and Non-Callable (non-withdrawable) Fixed Deposits.
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 4.4% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.65% |
| Central Bank of India | 3.5% | 6.75% |
| Punjab and Sind Bank | 3% | 6.7% |
| UCO Bank | 2.75% | 5% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Abhyudaya Cooperative Bank | 3.75% | 6.35% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| AU Small Finance Bank | 3.5% | 7.1% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.65% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.05% |
| DCB Bank | 3.75% | 7.2% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.8% |
| Shivalik Small Finance Bank | 3.5% | 7.3% |
| Ujjivan Small Finance Bank | 5.5% | 7.25% |
*FD interest rates w.e.f. April 2026 (for general public, domestic FDs < ₹3 Cr).
Here are some of the main benefits of opening an Indian Bank fixed deposit.
You can open an Indian Bank FD easily, either by online mode or by visiting the nearest bank branch in a few simple steps
These steps are for existing Indian Bank customers with internet banking facilities. Follow the steps to avoid any confusion -
For new customers or those who are not very comfortable with the online process, they can visit their nearest bank branch and follow the given instructions -
Here are some of the eligibility criteria that need to be fulfilled while applying for the Indian Bank FD -
Indian Bank offers secure fixed deposits starting at ₹1,000 with tenures up to 10 years and rates of up to 6.60% p.a. for general citizens and 7.10% p.a. for senior citizens. Indian bank senior citizen FD rates are generally higher than those for general depositors. Indian Bank has introduced a new FD scheme, IND Supreme 2.0 (300 Days), for retail deposits of up to ₹3 Crore. Along with IND Secure (444 days), IND Green (555 days), and the Indian Bank Tax-Saving FD, Money Multiplier Deposit are designed to meet diverse financial goals. These schemes provide a perfect blend of liquidity and competitive returns.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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