IndusInd Bank Fixed Deposit Interest Rates 2025 - Latest IndusInd FD Rates

An IndusInd Bank fixed deposit lets you invest a lump sum for a fixed period and earn guaranteed returns at a pre-decided interest rate. There isn't a single rate for all FDs; the bank FD rates depend on several factors:

1. Tenure
   • Longer tenures often attract higher slabs, though banks may offer peak rates at select mid-tenures.
2. Deposit amount
   • Retail deposits (below ₹3 crore) and bulk deposits (₹3 crore and above) follow different schedules.
3. Customer category
   • Resident senior citizens get preferential slabs; in joint deposits, the primary holder should be a senior to qualify.
4. Callable vs Non-Callable FDs
   • Non-callable deposits may offer slightly higher rates but restrict premature withdrawal.
5. Economic cycle & policy rates
   • FD rates may move when RBI policy rates shift. Recent repo-rate cuts have pushed many banks to review FD pricing.

IndusInd Bank fixed deposits are built for safety plus flexibility:

• Guaranteed returns: rate stays fixed across tenure.
• Flexible tenures: from short 7-day deposits to long 10-year FDs.
• Minimum deposit: generally starts at ₹10,000 for retail FDs.
• Multiple interest payout options: monthly, quarterly, half-yearly, yearly, or cumulative at maturity.
• Premature withdrawal: allowed for most callable FDs; penalty may apply.
• Loan/Overdraft against FD: access liquidity up to ~90% of deposit without breaking the FD.
• Nomination facility and auto-renewal for convenience.

These benefits make IndusInd FDs suitable for conservative savers, retirees, and anyone looking to park funds safely.

IndusInd offers several FD products depending on your goal.

1. Regular Fixed Deposit

The standard fixed deposit with:

• wide tenure choices
• cumulative and non-cumulative variants
• premature withdrawal facility (callable)

2. Senior Citizen Fixed Deposit

Designed for resident seniors (60+), offering a higher yield across most slabs:

• extra interest over regular rates (~0.50%)
• available for most tenures
• good for stable retirement income

3. Tax Saver FD

If your priority is tax saving, IndusInd Tax Saver FDs qualify under Section 80C of the Income Tax Act (up to ₹1.5 lakh per FY).

• Lock-in: 5 years
• Indicative 2025 rate: about 6.65% p.a. (general) and 7.40% p.a. (senior citizens)
• Premature withdrawal: not allowed during lock-in

4. NRE / NRO Fixed Deposits

NRIs can open NRE or NRO term deposits:

• rates broadly aligned with domestic retail slabs
• NRE interest is generally tax-free in India (subject to rules)
• senior citizen uplift usually doesn’t apply to NRE/NRO deposits

5. FCNR / RFC Deposits (for NRIs)

IndusInd also offers foreign currency deposits (FCNR) and Resident Foreign Currency (RFC) deposits, providing returns in major currencies with RBI-regulated terms.

When choosing between FD types, align with your cash-flow needs:

Cumulative FD (Best for Wealth Growth)

• Interest compounded (usually quarterly)
• Maturity = principal + compounded interest
• Ideal if you don't need regular payouts.

Non-Cumulative FD (Best for Regular Income)

Interest paid on a schedule:

• Monthly
• Quarterly
• Half-yearly
• Yearly

This option suits investors who need steady cash flow, especially IndusInd Bank senior citizens.

IndusInd Bank is a scheduled commercial bank. Like all eligible Indian bank deposits, IndusInd FDs are covered under DICGC insurance:

• Coverage: up to ₹5 lakh per depositor per bank (includes savings + FDs combined).

For higher amounts, some investors spread deposits across banks to stay within insured limits.

For Indian Residents

To open an FD account at IndusInd, you generally need:

• PAN card (mandatory for most deposits)
• Aadhaar / Passport / Voter ID / Driving License (identity proof)
• Address proof if not covered by Aadhaar
• Recent photograph (branch route)

Existing IndusInd customers can typically open FDs online using stored KYC.

For NRIs (NRE/NRO/FCNR Deposits)

NRIs usually need:

• Valid passport and visa / residence permit
• Overseas address proof
• Proof of NRI status (employment/student/resident documents)
• PAN (recommended for taxation/compliance)

Exact KYC may vary by branch, but these are the standard requirements.

FD interest is taxable as "Income from Other Sources."

TDS thresholds (standard rules)

• Regular citizens: TDS if annual FD interest exceeds ₹40,000
• Senior citizens: threshold ₹50,000

Avoiding TDS (if eligible)

Submit:

• Form 15G (regular citizens)
• Form 15H (senior citizens)

Even with TDS, you must declare full interest in your ITR and can claim refunds if excess tax is deducted.

IndusInd allows premature closure on most callable FDs:

• interest recalculated at the rate applicable for the actual tenure held
• a penalty (commonly ~1%) may be applied

Tax saver FDs do not allow early withdrawal due to lock-in.

Rather than breaking your deposit, you can avail a loan or overdraft:

• Limit: typically up to ~90% of FD value
• Interest: usually FD rate + small spread
• Keeps your FD intact while giving instant liquidity

1. Net Banking

   Login → Deposits → Open Fixed Deposit → choose tenure & amount → confirm.

2. IndusInd Mobile App

   Deposits / Term Deposits → enter details → submit.

3. Branch Visit

   Fill FD form → submit KYC → deposit funds → collect receipt.

• Compare slabs, not just maximum rate

  Sometimes mid-tenures give better effective yield than very long tenures.

• Use an FD calculator

  A small rate difference can change your maturity amount meaningfully over years.

• Align tenure with your goal

  Don’t lock funds for longer than needed just to gain 0.10–0.20%.

• Senior citizens should prioritize uplifted slabs

  The extra rate makes a noticeable difference on long deposits.

In 2025, IndusInd fixed deposit rates remain competitive within private banking, especially for medium tenures and resident senior citizens. If you want predictable growth without market volatility, compare the latest slabs, pick the payout style that fits your cash-flow needs, and use an IndusInd Bank FD rates calculator to lock a tenure aligned to your goal.