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IndusInd Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
PrivateHeadquarters
MumbaiFounded
1994Branches
3136DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
1.00%Fair
CAR
17.48%Strong
PCR
71.00%Strong
LCR
118.00%Fair
CASA
31.24%Fair
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD | |||
|---|---|---|---|---|
| Deposit Amount | Under $1M | $1M to $10M | $10M to $25M | $25M+ |
| 1 to <2 years | 4.00% | 4.00% | 4.00% | 4.00% |
| 2 to <3 years | 4.25%BEST | 4.25%BEST | 4.25%BEST | 4.25%BEST |
| 3 to <4 years | 3.50% | 3.50% | 3.50% | 3.50% |
| 4 to <5 years | 3.50% | 3.50% | 3.50% | 3.50% |
| 5 years | 3.50% | 3.50% | 3.50% | 3.50% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 year to <1 year 6 months | 6.75% |
1 year 6 months to <1 year 7 months | 6.90% |
1 year 7 months to <2 years | 6.90% |
2 to 3 years | 7.00%BEST |
Above 3 years to <61 months | 6.65% |
61 months to 10 years | 6.50% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, IndusInd Bank offers up to 7.00% p.a. on Fixed Deposits and up to 7.05% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, IndusInd Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with IndusInd Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.75% p.a. over general citizen rates.
IndusInd Bank offers tiered interest rates ranging from 2.50% to 7.05% p.a. depending on the balance slabs maintained in the savings account.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
IndusInd Bank FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,923
MATURITY DATE
20 Sept 2027
Interest rate6.75% p.a.
Principal₹1,00,000
Total interest₹6,923
Indicative only. Actual figures may vary.