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IndusInd Bank FD interest rates for 1, 2, 3 and 5 years

Last checked 3 November 2026. Rate card from 30 October 2026. Deposits below ₹3 crore.

IndusInd Bank pays its best rate among these terms on 2 years: 7.25%, or 7.85% for senior citizens. That ranks 8th of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).

6.75%1 year, senior 7.25%
7.25%2 years, senior 7.85%
7.25%3 years, senior 7.85%
6.65%5 years, senior 7.15%

IndusInd FD rates by term

TermRateSenior rate₹5 lakh becomesRank
1 year
Slab: 1 year to below 1 year 6 months		6.75%7.25%₹5,34,6147th of 33
2 years
Slab: 2 years to 3 years		7.25%7.85%₹5,77,2708th of 33
3 years
Slab: 2 years to 3 years		7.25%7.85%₹6,20,2735th of 33
5 years
Slab: Above 3 years up to below 61 months		6.65%7.15%₹6,95,32210th of 33
Tax saver, 5 years
80C, old regime only		6.65%7.15%₹6,95,322Compare

Interest compounds every quarter and is paid at maturity, before tax. Source: IndusInd Bank deposit rates. Each rate is the slab that contains that exact term.

How IndusInd compares

  • 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 0.50 percentage points more. On ₹5 lakh that is ₹2,634 extra.
  • 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.50 percentage points more. On ₹5 lakh that is ₹5,694 extra.
  • 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 0.75 percentage points more. On ₹5 lakh that is ₹13,847 extra.
  • 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.12 percentage points more. On ₹5 lakh that is ₹39,320 extra.

Similar banks: City Union Bank (7.30% for 2 years), IDFC FIRST Bank (7.10% for 2 years), DCB Bank (7.40% for 2 years), Bandhan Bank (7.45% for 2 years).

Amounts at IndusInd

  • ₹1 lakh for 2 years at 7.25% becomes ₹1,15,454.
  • ₹10 lakh for 2 years at 7.25% becomes ₹11,54,540.
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

What is the IndusInd FD rate for 1 year?

IndusInd Bank pays 6.75% a year on a 1-year deposit below ₹3 crore (7.25% for senior citizens). ₹5 lakh grows to ₹5,34,614. The slab is "1 year to below 1 year 6 months".

What is the IndusInd FD rate for 2 years?

IndusInd Bank pays 7.25% a year on a 2-year deposit below ₹3 crore (7.85% for senior citizens). ₹5 lakh grows to ₹5,77,270. The slab is "2 years to 3 years".

What is the IndusInd FD rate for 3 years?

IndusInd Bank pays 7.25% a year on a 3-year deposit below ₹3 crore (7.85% for senior citizens). ₹5 lakh grows to ₹6,20,273. The slab is "2 years to 3 years".

What is the IndusInd FD rate for 5 years?

IndusInd Bank pays 6.65% a year on a 5-year deposit below ₹3 crore (7.15% for senior citizens). ₹5 lakh grows to ₹6,95,322. The slab is "Above 3 years up to below 61 months".

What is the IndusInd tax-saver FD rate?

6.65% for 5 years (7.15% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.

Is money in a IndusInd FD safe?

IndusInd Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate