IndusInd Bank interest rates · November 2026
IndusInd FD rates
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Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.
Overview
IndusInd Bank (IndusInd) is a private sector bank, headquartered in Mumbai, established in 1994. Its headline 1-year FD rate of 6.75% is 0.29% above the private sector average of 6.46%, ranking #480 of 1033 banks on RateScan.in.
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 13 Oct 2026, verified from official source. Scheduled private sector bank: deposits insured by DICGC up to ₹5,00,000.
RBI record
Every RBI press release since 1 Jan 2024 that names IndusInd Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹59.20 lakh
RBI's reason: “for non-compliance with certain provisions of directions issued by RBI on ‘Interest Rate on Deposits’ and ‘Securitisation of Standard Assets’”
What RBI found
“(i) The bank paid interest on deposits held in certain current accounts; and (ii) The bank undertook activities in the nature of ‘Synthetic Securitisation’.”
RBI says: “The action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
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RBI fined the bank ₹27.30 lakh
RBI's reason: “for non-compliance with certain provisions of ‘Reserve Bank of India (Interest Rate on Deposits) Directions, 2016’”
What RBI found
“The charge of pertaining to opening of certain savings deposit accounts in the name of ineligible entities was sustained.”
RBI says: “The action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transactions or agreement entered into by the bank with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
Branches
2,206 branches in 425 districts
Most branches: Bengaluru Urban 107, Delhi 90, Mumbai 74
From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.
IndusInd rates
Every rate, tenure by tenure, and what your money grows to.
IndusInd Fixed Deposit rate changes
Changes to IndusInd's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 19 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to IndusInd's fixed deposit (FD) rates has been recorded since tracking started on 19 Sept 2026.
Compare IndusInd with other banks
See IndusInd FD rates side by side against India's top banks.
Good to know
- Deposits with IndusInd Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- IndusInd is a private sector bank regulated by the RBI.
- Senior citizens (60+) earn up to 0.60% p.a. more than general customers at IndusInd, depending on the tenure.
Informational only. Always confirm the current rate on the official IndusInd 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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