IndusInd Bank (IndusInd) is a private sector bank, headquartered in Mumbai, established in 1994. Its headline 1-year FD rate of 6.75% is +0.30% above the private sector average of 6.45%, ranking #5 of 20 private 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 26 Sept 2026, verified from official source. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at IndusInd (quarterly compounding)
Rates for deposits below ₹3 crore · General vs 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.
No additional super-senior premium — showing Senior rates.
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 | Trend | Applies to |
|---|---|---|---|---|
7 days to 30 days |
3.25% | 3.75% | Below ₹3 crore (retail) | |
31 days to 45 days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
46 days to 60 days |
4.50% | 5.00% | Below ₹3 crore (retail) | |
61 days to 90 days |
4.75% | 5.25% | Below ₹3 crore (retail) | |
91 days to 120 days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
121 days to 179 days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
180 days |
6.00% | 6.50% | Below ₹3 crore (retail) | |
181 days to 210 days |
5.75% | 6.25% | Below ₹3 crore (retail) | |
211 days to 269 days |
6.00% | 6.50% | Below ₹3 crore (retail) | |
270 days to 364 days |
6.25% | 6.75% | Below ₹3 crore (retail) | |
1 Year to below 1 Year 6 Month |
6.75% | 7.25% | Below ₹3 crore (retail) | |
1 Year 6 months to below 1 Year 7 months |
6.90% | 7.40% | Below ₹3 crore (retail) | |
1 Year 7 months to below 2 Years |
6.90% | 7.40% | Below ₹3 crore (retail) | |
2 Years to 3 Years |
7.00% | 7.75% | Below ₹3 crore (retail) | |
Above 3 Years up to below 61 Months |
6.65% | 7.15% | Below ₹3 crore (retail) | |
Tax Saver (5 years) |
6.65% | 7.15% | Below ₹3 crore (retail) | |
61 Months and above |
6.50% | 7.00% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year to below 1 Year 6 Month |
6.75% | 7.25% | Any amount | |
1 Year 6 months to below 1 Year 7 months |
6.90% | 7.40% | Any amount | |
1 Year 7 months to below 2 Years |
6.90% | 7.40% | Any amount | |
2 Years to 3 Years |
7.00% | 7.75% | Any amount | |
Above 3 Years up to below 61 Months |
6.65% | 7.15% | Any amount | |
Tax Saver (5 years) |
6.65% | 7.15% | Any amount | |
61 Months and above |
6.50% | 7.00% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
4.00% | 4.00% | All balances |
Deposits with IndusInd 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 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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