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Indian Bank FD interest rates

Indian Bank pays 2.8% to 6.65% a year on fixed deposits from 7 days to 10 years, special schemes included, and 3.3% to 7.15% to senior citizens.

  • 6.1%1 year · senior 6.6%
  • 6.15%2 years · senior 6.65%
  • 6.05%3 years · senior 6.55%
  • 6%5 years · senior 6.5%

Indian Bank FD rates by tenure

% a year, deposits under ₹3 crore. Calculate opens the FD calculator at the general rate.

TenureGeneralSenior citizensFD calculator
7 days to 14 days2.8%3.3%Calculate
15 days to 29 days2.8%3.3%Calculate
30 days to 45 days3%3.5%Calculate
46 days to 90 days3.25%3.75%Calculate
91 days to 120 days3.5%4%Calculate
121 days to 180 days3.85%4.35%Calculate
181 days to less than 9 months4.5%5%Calculate
9 months to less than 1 year4.75%5.25%Calculate
1 year6.1%6.6%Calculate
above 1 year to less than 2 years6.2%6.7%Calculate
2 years to less than 3 years6.15%6.65%Calculate
3 years to less than 5 years6.05%6.55%Calculate
5 years6%6.5%Calculate
above 5 years6%6.75%Calculate

As read from Indian Bank’s rate page on 5 October 2026; the bank’s rates effective 4 August 2026. Banks can change rates without notice: check the bank’s page before you invest.

Indian Bank special FD schemes

Deposits for a set number of days, listed by the bank beside its card rates. % a year.

SchemeGeneralSenior citizensFD calculator
IND Supreme 2.0 (300 days)6.2%6.7%Calculate
IND Green (500 days)6.4%6.9%Calculate
IND Grow (555 days)6.65%7.15%Calculate
IND Prosper (777 days)6.6%7.1%Calculate

What ₹1 lakh comes to at Indian Bank

At maturity, interest added every quarter, before tax.

TenureGeneralSenior citizens
1 year₹1,06,241₹1,06,765
2 years₹1,12,983₹1,14,100
3 years₹1,19,739₹1,21,520
5 years₹1,34,686₹1,38,042

Worked out the way the FD calculator does, the method banks use (quarterly compounding). Tax on the interest, and TDS, are on the calculator’s page.

Where these rates come from

Indian Bank’s own page

  • Copied by hand from Indian Bank’s rate page on 5 October 2026, and checked again every month.
  • "Interest Rates on Domestic Retail Term Deposits", revised rates w.e.f. 04.08.2026 (one rate per bucket). Senior rates follow the page's rule: "Additional rate of interest payable would be 0.50% p.a." on deposits "of 7 days to 10 years over the card rate", and 0.25% more for the bucket "above 5 Years up to 10 Years".
  • A bank not checked again for 45 days is marked; after 75 days its rates come down until they are checked again.

What they cover

  • Fixed deposits of resident individuals under ₹3 crore, at the bank’s card rates. Senior citizen rates are as the bank defines them.
  • Banks can change their rates at any time: check the bank’s page or branch before you invest.
  • This page lists rates. It does not recommend a bank or a deposit.
What changed (latest: 5 October 2026)

Changes to the rates on this page, newest first.

    • Rates checked on Indian Bank’s page
    • The rates shown here took effect, as Indian Bank’s page says

Mistakes we have fixed on any page are listed on Corrections.

Other banks’ FD rates

What to check next