Indian Bank (Indian) is a nationalised public sector bank, headquartered in Chennai, established in 1907. Its headline 1-year FD rate of 6.10% is −0.14% below the public sector average of 6.24%, ranking #10 of 12 public sector banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 4 Aug 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Indian (quarterly compounding)
Rates for deposits below ₹3 crore · General / Senior / Super Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Super Sr. | Trend | Applies to |
|---|---|---|---|---|---|
7 days to 14 days |
2.80% | 3.30% | 3.55% | Below ₹3 crore | |
7 days to 14 days |
7.50% | 3.30% | 3.55% | ₹3 crore and above | |
15 days to 29 days |
2.80% | 3.30% | 3.55% | Below ₹3 crore | |
15 days to 29 days |
7.50% | 3.30% | 3.55% | ₹3 crore and above | |
30 days to 45 days |
3.00% | 3.50% | 3.75% | Below ₹3 crore | |
30 days to 45 days |
7.50% | 3.50% | 3.75% | ₹3 crore and above | |
46 days to 90 days |
3.25% | 3.75% | 4.00% | Below ₹3 crore | |
46 days to 90 days |
7.50% | 3.75% | 4.00% | ₹3 crore and above | |
46 days to 90 days Non-Callable |
7.55% | — | — | — | ₹3 crore and above |
91 days to 120 days |
3.50% | 4.00% | 4.25% | Below ₹3 crore | |
91 days to 120 days |
7.50% | 4.00% | 4.25% | ₹3 crore and above | |
91 days to 120 days Non-Callable |
7.55% | — | — | — | ₹3 crore and above |
121 days to 180 days |
3.85% | 4.35% | 4.60% | Below ₹3 crore | |
121 days to 180 days |
5.25% | 4.35% | 4.60% | ₹3 crore and above | |
121 days to 180 days Non-Callable |
5.30% | — | — | — | ₹3 crore and above |
181 days to less than 9 months |
4.50% | 5.00% | 5.25% | Below ₹3 crore | |
181 days to less than 9 months |
7.50% | 5.00% | 5.25% | ₹3 crore and above | |
181 days to less than 9 months Non-Callable |
7.55% | — | — | — | ₹3 crore and above |
9 months to less than 300 days |
4.75% | 5.25% | 5.50% | — | Below ₹3 crore |
9 months to less than 1 year |
7.50% | — | — | ₹3 crore and above | |
9 months to less than 1 year Non-Callable |
7.55% | — | — | — | ₹3 crore and above |
IND Supreme 2.0 (300 days) IND Supreme 2.0 |
6.20% | 6.70% | 6.95% | — | Below ₹3 crore |
301 days to less than 1 year |
4.75% | 5.25% | 5.50% | — | Below ₹3 crore |
1 year |
6.10% | 6.60% | 6.85% | Below ₹3 crore | |
1 year |
7.50% | 6.60% | 6.85% | ₹3 crore and above | |
1 year Non-Callable |
7.55% | — | — | — | ₹3 crore and above |
Above 1 year to less than 500 days |
6.20% | 6.70% | 6.95% | — | Below ₹3 crore |
Above 1 year to less than 2 years |
7.50% | — | — | — | ₹3 crore and above |
Above 1 year to less than 2 years Non-Callable |
7.55% | — | — | — | ₹3 crore and above |
Ind Green (500 days) IND GREEN |
6.40% | 6.90% | 7.15% | — | Below ₹3 crore |
501 days to less than 555 days |
6.20% | 6.70% | 6.95% | — | Below ₹3 crore |
Ind Grow (555 days) IND GROW |
6.65% | 7.15% | 7.40% | — | Below ₹3 crore |
556 days to less than 2 years |
6.20% | 6.70% | 6.95% | — | Below ₹3 crore |
2 years to less than 777 days |
6.15% | 6.65% | 6.90% | — | Below ₹3 crore |
2 years to less than 3 years |
5.50% | — | — | ₹3 crore and above | |
Ind Prosper (777 days) IND PROSPER |
6.60% | 7.10% | 7.35% | — | Below ₹3 crore |
778 days to less than 3 years |
6.15% | 6.65% | 6.90% | — | Below ₹3 crore |
3 years to less than 5 years |
6.05% | 6.55% | 6.80% | Below ₹3 crore | |
3 years to less than 5 years |
5.50% | 6.55% | 6.80% | ₹3 crore and above | |
5 year |
6.00% | 6.50% | 6.75% | Below ₹3 crore | |
5 year |
5.50% | 6.50% | 6.75% | ₹3 crore and above | |
Above 5 years |
6.00% | 6.50% | 6.75% | — | Below ₹3 crore |
Above 5 years |
5.50% | 6.50% | 6.75% | — | ₹3 crore and above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
6.10% | 6.60% | Any amount | |
Above 1 year to less than 2 years |
6.20% | 6.70% | — | Any amount |
2 years to less than 3 years |
6.15% | 6.65% | Any amount | |
3 years to less than 5 years |
6.05% | 6.55% | Any amount | |
5 year |
6.00% | 6.50% | Any amount | |
Above 5 years |
6.00% | 6.50% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | — | Up to ₹10 lakh | |
Any tenure |
2.60% | — | More than ₹10 lakh to less than ₹200 crore | |
Any tenure |
2.65% | — | ₹200 crore to less than ₹750 crore | |
Any tenure |
2.80% | — | ₹750 crore and above |
Deposits with Indian Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official Indian website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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