IndusInd Bank FD Calculator

IndusInd Bank Fixed Deposits Explained

IndusInd Bank offers retail term deposits from 7 days to 10 years through IndusMobile, net banking or a branch. It opened in 1994 as one of the first private banks licensed after liberalisation, named after the Indus Valley civilisation, and was seeded largely by capital from the Indian diaspora — which is part of why its NRI deposit business has been proportionally larger than its branch count would suggest.

IndusInd Bank FD Schemes You Can Open

IndusInd's deposit range divides by interest treatment and by residency status:

• •Cumulative deposit — Interest compounds quarterly and is paid with the principal at maturity — the structure modelled above.
• •Non-cumulative deposit — Interest is credited at monthly or quarterly intervals instead of compounding, lowering the total return at the same rate.
• •Tax-saving deposit (5-year) — Qualifies under Section 80C, locked for the full five years with no premature closure.
• •NRE / NRO and senior citizen variants — Deposits for non-resident depositors, where repatriation follows the underlying account type, plus the senior citizen rate increment.

IndusInd Bank FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How to Check IndusInd Bank FD Interest Rates

IndusInd Bank FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

IndusInd publishes its domestic deposit card on indusind.com and inside IndusMobile, with separate cards for resident, NRE and NRO deposits and a distinct senior citizen column.

Take the current IndusInd Bank fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to an IndusInd Bank FD

• •Named after the Indus Valley civilisation and seeded substantially by diaspora capital at its 1994 founding.
• •The NRE and NRO deposit business is proportionally larger than the branch network alone would suggest.
• •Diaspora funding shaped the bank's deposit mix from the outset and still does.
• •Senior citizens receive the standard increment across eligible tenures.
• •A loan or overdraft against the deposit is available rather than closing it early.

Take the rate IndusInd Bank quotes for your chosen tenure and enter it above to see the exact maturity value and how interest accrues year by year.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.