What we know is incomplete on this page
- 3 products live under more than one w.e.f.. FD · General (2), FD · Senior Citizen (2), FD · Super Senior (2). Each date is shown as its own rate card, because a single table blending several w.e.f. dates is a table the bank never published.
Fixed deposits
FD · GeneralFD
2 w.e.f. dates live at once
w.e.f. 2026-08-04rate card 1 of 220 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysregular | ₹1,000 – ₹3,00,00,000 | 2.80% |
| 15 days to 29 daysregular | ₹1,000 – ₹3,00,00,000 | 2.80% |
| 30 days to 45 daysregular | ₹1,000 – ₹3,00,00,000 | 3.00% |
| 46 days to 90 daysregular | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 91 days to 120 daysregular | ₹1,000 – ₹3,00,00,000 | 3.50% |
| 121 days to 180 daysregular | ₹1,000 – ₹3,00,00,000 | 3.85% |
| 181 days to less than 9 monthsregular | ₹1,000 – ₹3,00,00,000 | 4.50% |
| 9 months to 299 daysregular | ₹1,000 – ₹3,00,00,000 | 4.75% |
| IND Supreme 2.0 - 300 daysind_supreme_2_300d | ₹1,000 – ₹3,00,00,000 | 6.20% |
| 301 days to less than 1 yearregular | ₹1,000 – ₹3,00,00,000 | 4.75% |
| 1 yearregular | ₹1,000 – ₹3,00,00,000 | 6.10% |
| Above 1 year to 554 daysregular | ₹1,000 – ₹3,00,00,000 | 6.20% |
| IND Grow - 555 daysind_grow_555d | ₹1,000 – ₹3,00,00,000 | 6.65% |
| 556 days to less than 2 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.20% |
| 2 years to 776 daysregular | ₹1,000 – ₹3,00,00,000 | 6.15% |
| IND Prosper - 777 daysind_prosper_777d | ₹1,000 – ₹3,00,00,000 | 6.60% |
| 778 days to less than 3 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.15% |
| 3 years to less than 5 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.05% |
| 5 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.00% |
| Above 5 years to 10 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.00% |
w.e.f. 2026-06-05rate card 2 of 21 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 500 daysind_green_500d | ₹1,000 – ₹3,00,00,000 | 6.40% |
FD · Senior CitizenFD_SC
2 w.e.f. dates live at once
w.e.f. 2026-08-04rate card 1 of 220 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysregular | ₹1,000 – ₹3,00,00,000 | 3.30% |
| 15 days to 29 daysregular | ₹1,000 – ₹3,00,00,000 | 3.30% |
| 30 days to 45 daysregular | ₹1,000 – ₹3,00,00,000 | 3.50% |
| 46 days to 90 daysregular | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 91 days to 120 daysregular | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 121 days to 180 daysregular | ₹1,000 – ₹3,00,00,000 | 4.35% |
| 181 days to less than 9 monthsregular | ₹1,000 – ₹3,00,00,000 | 5.00% |
| 9 months to 299 daysregular | ₹1,000 – ₹3,00,00,000 | 5.25% |
| IND Supreme 2.0 - 300 daysind_supreme_2_300d | ₹1,000 – ₹3,00,00,000 | 6.70% |
| 301 days to less than 1 yearregular | ₹1,000 – ₹3,00,00,000 | 5.25% |
| 1 yearregular | ₹1,000 – ₹3,00,00,000 | 6.60% |
| Above 1 year to 554 daysregular | ₹1,000 – ₹3,00,00,000 | 6.70% |
| IND Grow - 555 daysind_grow_555d | ₹1,000 – ₹3,00,00,000 | 7.15% |
| 556 days to less than 2 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.70% |
| 2 years to 776 daysregular | ₹1,000 – ₹3,00,00,000 | 6.65% |
| IND Prosper - 777 daysind_prosper_777d | ₹1,000 – ₹3,00,00,000 | 7.10% |
| 778 days to less than 3 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.65% |
| 3 years to less than 5 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.55% |
| 5 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.50% |
| Above 5 years to 10 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.50% |
w.e.f. 2026-06-05rate card 2 of 21 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 500 daysind_green_500d | ₹1,000 – ₹3,00,00,000 | 6.90% |
FD · Super SeniorFD_SSC
2 w.e.f. dates live at once
w.e.f. 2026-08-04rate card 1 of 220 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 daysregular | ₹1,000 – ₹3,00,00,000 | 3.55% |
| 15 days to 29 daysregular | ₹1,000 – ₹3,00,00,000 | 3.55% |
| 30 days to 45 daysregular | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 46 days to 90 daysregular | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 91 days to 120 daysregular | ₹1,000 – ₹3,00,00,000 | 4.25% |
| 121 days to 180 daysregular | ₹1,000 – ₹3,00,00,000 | 4.60% |
| 181 days to less than 9 monthsregular | ₹1,000 – ₹3,00,00,000 | 5.25% |
| 9 months to 299 daysregular | ₹1,000 – ₹3,00,00,000 | 5.50% |
| IND Supreme 2.0 - 300 daysind_supreme_2_300d | ₹1,000 – ₹3,00,00,000 | 6.95% |
| 301 days to less than 1 yearregular | ₹1,000 – ₹3,00,00,000 | 5.50% |
| 1 yearregular | ₹1,000 – ₹3,00,00,000 | 6.85% |
| Above 1 year to 554 daysregular | ₹1,000 – ₹3,00,00,000 | 6.95% |
| IND Grow - 555 daysind_grow_555d | ₹1,000 – ₹3,00,00,000 | 7.40% |
| 556 days to less than 2 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.95% |
| 2 years to 776 daysregular | ₹1,000 – ₹3,00,00,000 | 6.90% |
| IND Prosper - 777 daysind_prosper_777d | ₹1,000 – ₹3,00,00,000 | 7.35% |
| 778 days to less than 3 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.90% |
| 3 years to less than 5 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.80% |
| 5 yearsregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| Above 5 years to 10 yearsregular | ₹1,000 – ₹3,00,00,000 | 7.00% |
w.e.f. 2026-06-05rate card 2 of 21 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 500 daysind_green_500d | ₹1,000 – ₹3,00,00,000 | 7.15% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-08-041 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 5 yearstax_saver | ₹1,000 – ₹1,50,000 | 6.00% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-08-041 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 5 yearstax_saver | ₹1,000 – ₹1,50,000 | 6.50% |
Recurring deposits
RDRD
w.e.f. 2026-06-0513 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) | ₹1,000 – ₹2,99,99,999 | 3.85% |
| 181 days to <9m | ₹1,000 – ₹2,99,99,999 | 4.50% |
| 9m to <1y | ₹1,000 – ₹2,99,99,999 | 4.75% |
| 300 days (IND Supreme 2.0) | ₹1,000 – ₹2,99,99,999 | 6.30% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.10% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.20% |
| 500 days (IND GREEN) | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 555 days (IND GROW) | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.15% |
| 777 days (IND Prosper) | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.05% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
RD · SCRD_SC
w.e.f. 2026-06-0513 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) | ₹1,000 – ₹2,99,99,999 | 4.35% |
| 181 days to <9m | ₹1,000 – ₹2,99,99,999 | 5.00% |
| 9m to <1y | ₹1,000 – ₹2,99,99,999 | 5.25% |
| 300 days (IND Supreme 2.0) | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.60% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.70% |
| 500 days (IND GREEN) | ₹1,000 – ₹2,99,99,999 | 6.90% |
| 555 days (IND GROW) | ₹1,000 – ₹2,99,99,999 | 7.30% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.65% |
| 777 days (IND Prosper) | ₹1,000 – ₹2,99,99,999 | 7.25% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.55% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 6.75% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 6.75% |
RD · SSCRD_SSC
w.e.f. 2026-06-0513 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) | ₹1,000 – ₹2,99,99,999 | 4.60% |
| 181 days to <9m | ₹1,000 – ₹2,99,99,999 | 5.25% |
| 9m to <1y | ₹1,000 – ₹2,99,99,999 | 5.50% |
| 300 days (IND Supreme 2.0) | ₹1,000 – ₹2,99,99,999 | 7.05% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.85% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.95% |
| 500 days (IND GREEN) | ₹1,000 – ₹2,99,99,999 | 7.15% |
| 555 days (IND GROW) | ₹1,000 – ₹2,99,99,999 | 7.55% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.90% |
| 777 days (IND Prosper) | ₹1,000 – ₹2,99,99,999 | 7.50% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 7.00% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 7.00% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-07-044 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| tenure wording not captured | ₹0 – ₹10,00,000 | 2.50% |
| tenure wording not captured | ₹10,00,000 – ₹2,00,00,00,000 | 2.60% |
| tenure wording not captured | ₹2,00,00,00,000 – ₹7,50,00,00,000 | 2.65% |
| tenure wording not captured | ₹7,50,00,00,000 and above | 2.80% |
NRE SavingsNRE_SAVINGS
w.e.f. 2026-07-044 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| tenure wording not captured | ₹0 – ₹10,00,000 | 2.50% |
| tenure wording not captured | ₹10,00,000 – ₹2,00,00,00,000 | 2.60% |
| tenure wording not captured | ₹2,00,00,00,000 – ₹7,50,00,00,000 | 2.65% |
| tenure wording not captured | ₹7,50,00,00,000 and above | 2.80% |
NRO SavingsNRO_SAVINGS
w.e.f. 2026-07-044 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| tenure wording not captured | ₹0 – ₹10,00,000 | 2.50% |
| tenure wording not captured | ₹10,00,000 – ₹2,00,00,00,000 | 2.60% |
| tenure wording not captured | ₹2,00,00,00,000 – ₹7,50,00,00,000 | 2.65% |
| tenure wording not captured | ₹7,50,00,00,000 and above | 2.80% |
NRI deposits
NRENRE
w.e.f. 2026-01-019 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.10% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.20% |
| 500 days (IND GREEN)nre_ind_green_500 | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 555 days (IND GROW)nre_ind_grow_555 | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.15% |
| 777 days (IND Prosper)nre_ind_prosper_777 | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.05% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
NRONRO
w.e.f. 2026-06-0518 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 days | ₹1,000 – ₹2,99,99,999 | 2.80% |
| 15-29 days | ₹1,000 – ₹2,99,99,999 | 2.80% |
| 30-45 days | ₹1,000 – ₹2,99,99,999 | 3.00% |
| 46-90 days | ₹1,000 – ₹2,99,99,999 | 3.25% |
| 91-120 days | ₹1,000 – ₹2,99,99,999 | 3.50% |
| 121-180 days | ₹1,000 – ₹2,99,99,999 | 3.85% |
| 181 days to <9m | ₹1,000 – ₹2,99,99,999 | 4.50% |
| 9m to <1y | ₹1,000 – ₹2,99,99,999 | 4.75% |
| 300 days (IND Supreme 2.0)nro_ind_supreme_300 | ₹1,000 – ₹2,99,99,999 | 6.30% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.10% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.20% |
| 500 days (IND GREEN)nro_ind_green_500 | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 555 days (IND GROW)nro_ind_grow_555 | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.15% |
| 777 days (IND Prosper)nro_ind_prosper_777 | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.05% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
RFC · USD (returned NRI)RFC_USD
w.e.f. 2026-04-06USD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 5.50% |
| 2 Yrs & above to < 3 Yrs | — | 3.80% |
| Exactly 3 year | — | 3.50% |
RFC · GBP (returned NRI)RFC_GBP
w.e.f. 2026-04-06GBP3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 4.50% |
| 2 Yrs & above to < 3 Yrs | — | 3.00% |
| Exactly 3 year | — | 3.00% |
RFC · EUR (returned NRI)RFC_EUR
w.e.f. 2026-04-06EUR3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 1.50% |
| 2 Yrs & above to < 3 Yrs | — | 1.80% |
| Exactly 3 year | — | 1.50% |
RFC · SGD (returned NRI)RFC_SGD
w.e.f. 2026-04-06SGD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 3.00% |
| 2 Yrs & above to < 3 Yrs | — | 0.40% |
| Exactly 3 year | — | 0.49% |
RFC · AUD (returned NRI)RFC_AUD
w.e.f. 2026-04-06AUD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 3.60% |
| 2 Yrs & above to < 3 Yrs | — | 3.50% |
| Exactly 3 year | — | 2.05% |
RFC · CAD (returned NRI)RFC_CAD
w.e.f. 2026-04-06CAD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 3.50% |
| 2 Yrs & above to < 3 Yrs | — | 3.30% |
| Exactly 3 year | — | 3.00% |
RFC · YEN (JPY) (returned NRI)RFC_JPY
w.e.f. 2026-04-06JPY3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 0.10% |
| 2 Yrs & above to < 3 Yrs | — | 0.13% |
| Exactly 3 year | — | 0.12% |
RFC Savings (returned NRI)RFC_SAVINGS
w.e.f. 2026-07-01EURrate card 1 of 31 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| RFC SB | — | 2.03% |
w.e.f. 2026-07-01GBPrate card 2 of 31 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| RFC SB | — | 3.74% |
w.e.f. 2026-07-01USDrate card 3 of 31 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| RFC SB | — | 3.65% |
RFC · CHF (returned NRI)RFC_CHF
w.e.f. 2026-04-06CHF3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr to <2 Yrs | — | 0.01% |
| 2 Yrs & above to < 3 Yrs | — | 0.01% |
| Exactly 3 year | — | 0.02% |
NRI recurring deposits
NRE RDNRE_RD
w.e.f. 2026-01-019 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.10% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.20% |
| 500 days (IND GREEN) | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 555 days (IND GROW) | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.15% |
| 777 days (IND Prosper) | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.05% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
NRO RDNRO_RD
w.e.f. 2026-06-0513 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 months (180 days) | ₹1,000 – ₹2,99,99,999 | 3.85% |
| 181 days to <9m | ₹1,000 – ₹2,99,99,999 | 4.50% |
| 9m to <1y | ₹1,000 – ₹2,99,99,999 | 4.75% |
| 300 days (IND Supreme 2.0) | ₹1,000 – ₹2,99,99,999 | 6.30% |
| 1 year | ₹1,000 – ₹2,99,99,999 | 6.10% |
| >1-2yr | ₹1,000 – ₹2,99,99,999 | 6.20% |
| 500 days (IND GREEN) | ₹1,000 – ₹2,99,99,999 | 6.40% |
| 555 days (IND GROW) | ₹1,000 – ₹2,99,99,999 | 6.80% |
| 2-3yr | ₹1,000 – ₹2,99,99,999 | 6.15% |
| 777 days (IND Prosper) | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 3-5yr | ₹1,000 – ₹2,99,99,999 | 6.05% |
| 5 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
| Above 5 years to 10 years | ₹1,000 – ₹2,99,99,999 | 6.00% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-04-06USD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | USD 1,000 – USD 29,999,999 | 5.50% |
| 2 to <3 Yrs | USD 1,000 – USD 29,999,999 | 3.80% |
| 3 to <4 Yrs | USD 1,000 – USD 29,999,999 | 3.50% |
| 4 to <5 Yrs | USD 1,000 – USD 29,999,999 | 3.40% |
| 5 Yrs | USD 1,000 – USD 29,999,999 | 3.40% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-04-06GBP5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | GBP 1,000 – GBP 29,999,999 | 4.50% |
| 2 to <3 Yrs | GBP 1,000 – GBP 29,999,999 | 3.00% |
| 3 to <4 Yrs | GBP 1,000 – GBP 29,999,999 | 3.00% |
| 4 to <5 Yrs | GBP 1,000 – GBP 29,999,999 | 2.50% |
| 5 Yrs | GBP 1,000 – GBP 29,999,999 | 2.70% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-04-06EUR5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | EUR 1,000 – EUR 29,999,999 | 1.50% |
| 2 to <3 Yrs | EUR 1,000 – EUR 29,999,999 | 1.80% |
| 3 to <4 Yrs | EUR 1,000 – EUR 29,999,999 | 1.50% |
| 4 to <5 Yrs | EUR 1,000 – EUR 29,999,999 | 1.25% |
| 5 Yrs | EUR 1,000 – EUR 29,999,999 | 1.50% |
FCNR · YEN (JPY) · CallableFCNR_JPY
w.e.f. 2026-04-06JPY5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | JPY 1,000 – JPY 29,999,999 | 0.10% |
| 2 to <3 Yrs | JPY 1,000 – JPY 29,999,999 | 0.13% |
| 3 to <4 Yrs | JPY 1,000 – JPY 29,999,999 | 0.12% |
| 4 to <5 Yrs | JPY 1,000 – JPY 29,999,999 | 0.13% |
| 5 Yrs | JPY 1,000 – JPY 29,999,999 | 0.14% |
FCNR · CAD · CallableFCNR_CAD
w.e.f. 2026-04-06CAD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | CAD 1,000 – CAD 29,999,999 | 3.50% |
| 2 to <3 Yrs | CAD 1,000 – CAD 29,999,999 | 3.30% |
| 3 to <4 Yrs | CAD 1,000 – CAD 29,999,999 | 3.00% |
| 4 to <5 Yrs | CAD 1,000 – CAD 29,999,999 | 3.00% |
| 5 Yrs | CAD 1,000 – CAD 29,999,999 | 3.00% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-04-06AUD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | AUD 1,000 – AUD 29,999,999 | 3.60% |
| 2 to <3 Yrs | AUD 1,000 – AUD 29,999,999 | 3.50% |
| 3 to <4 Yrs | AUD 1,000 – AUD 29,999,999 | 2.05% |
| 4 to <5 Yrs | AUD 1,000 – AUD 29,999,999 | 2.30% |
| 5 Yrs | AUD 1,000 – AUD 29,999,999 | 2.45% |
FCNR · SGD · CallableFCNR_SGD
w.e.f. 2026-04-06SGD5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | SGD 1,000 – SGD 29,999,999 | 3.00% |
| 2 to <3 Yrs | SGD 1,000 – SGD 29,999,999 | 0.40% |
| 3 to <4 Yrs | SGD 1,000 – SGD 29,999,999 | 0.49% |
| 4 to <5 Yrs | SGD 1,000 – SGD 29,999,999 | 0.55% |
| 5 Yrs | SGD 1,000 – SGD 29,999,999 | 0.61% |
FCNR · CHF · CallableFCNR_CHF
w.e.f. 2026-04-06CHF5 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 to <2 Yrs | CHF 1,000 – CHF 29,999,999 | 0.01% |
| 2 to <3 Yrs | CHF 1,000 – CHF 29,999,999 | 0.01% |
| 3 to <4 Yrs | CHF 1,000 – CHF 29,999,999 | 0.02% |
| 4 to <5 Yrs | CHF 1,000 – CHF 29,999,999 | 0.03% |
| 5 Yrs | CHF 1,000 – CHF 29,999,999 | 0.05% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-06-12USD9 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 years to less than 4 years (Upto 1 mio)special_fcnr_b_usd_s1_upto1m | USD 1,000 – USD 1,000,000 | 6.00% |
| 3 years to less than 4 years (Above 1 mio to 3 mio)special_fcnr_b_usd_s2_1to3m | USD 1,000,000 – USD 3,000,000 | 5.60% |
| 3 years to less than 4 years (Above 3 mio)special_fcnr_b_usd_s3_above3m | USD 3,000,000 and above | 5.50% |
| 4 years to less than 5 years (Upto 1 mio)special_fcnr_b_usd_s1_upto1m | USD 1,000 – USD 1,000,000 | 6.25% |
| 4 years to less than 5 years (Above 1 mio to 3 mio)special_fcnr_b_usd_s2_1to3m | USD 1,000,000 – USD 3,000,000 | 5.85% |
| 4 years to less than 5 years (Above 3 mio)special_fcnr_b_usd_s3_above3m | USD 3,000,000 and above | 5.75% |
| 5 years (Upto 1 mio)special_fcnr_b_usd_s1_upto1m | USD 1,000 – USD 1,000,000 | 6.50% |
| 5 years (Above 1 mio to 3 mio)special_fcnr_b_usd_s2_1to3m | USD 1,000,000 – USD 3,000,000 | 6.10% |
| 5 years (Above 3 mio)special_fcnr_b_usd_s3_above3m | USD 3,000,000 and above | 6.00% |
If you break it early
Breaking this deposit early — FD · General
Every band Indian Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹5 lakh | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to ₹5 lakh | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to ₹5 lakh | 7 days to 180 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 7 days to 180 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5 lakh to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5 lakh to under ₹3 crore | 7 days to 500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 181 days to 500 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 181 days to 36500 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to ₹5 lakh · 0 days to 6 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 0 days to 6 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 7 days to 180 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 7 days to 180 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹5 lakh to under ₹3 crore · 7 days to 10 years
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹5 lakh to under ₹3 crore · 7 days to 500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 181 days to 500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 181 days to 36500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source
Breaking this deposit early — FD · Senior Citizen
Every band Indian Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹5 lakh | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to ₹5 lakh | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to ₹5 lakh | 7 days to 180 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 7 days to 180 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5 lakh to under ₹3 crore | 7 days to 500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5 lakh to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 181 days to 500 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 181 days to 36500 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to ₹5 lakh · 0 days to 6 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 0 days to 6 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 7 days to 180 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 7 days to 180 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹5 lakh to under ₹3 crore · 7 days to 500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹5 lakh to under ₹3 crore · 7 days to 10 years
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 181 days to 500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 181 days to 36500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source
Breaking this deposit early — FD · Super Senior
Every band Indian Bank publishes for premature closure of FD · Super Senior, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹5 lakh | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to ₹5 lakh | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to ₹5 lakh | 7 days to 180 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 7 days to 180 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5 lakh to under ₹3 crore | 7 days to 500 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5 lakh to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 181 days to 500 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹1,000 to ₹5 lakh | 181 days to 36500 days | no penalty | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to ₹5 lakh · 0 days to 6 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 0 days to 6 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 7 days to 180 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 7 days to 180 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹5 lakh to under ₹3 crore · 7 days to 500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹5 lakh to under ₹3 crore · 7 days to 10 years
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 181 days to 500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source - ₹1,000 to ₹5 lakh · 181 days to 36500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source
Breaking this deposit early — Tax Saver
Every band Indian Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 0 days to 36500 days | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 0 days to 36500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source
Breaking this deposit early — Tax Saver SC
Every band Indian Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 0 days to 36500 days | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 0 days to 36500 days
“Bulk Deposit means Single Rupee deposits of Rs.3 crores and above. Non-Callable Deposits without Premature Withdrawal Option are offered with minimum deposit of above Rs.1 Crores. However, in case of death of the Depositor (Single/ Joint)/ Bankruptcy/ winding up /directions by court/ regulators/ receiver/liquidator, premature withdrawal is allowed & interest paid will be as per the card rate for normal deposit for the period for which deposit actually remained with the Bank. Interest will be paid at the rate applicable to the amount and period for which the deposit remained with the bank and not at the contracted rate. No interest will be paid, where premature withdrawal of deposits takes place before completion of the minimum period specified i.e., 7 days. For deposits closed before 181 days/ Deposits above Rs.5.00 lakhs, penalty for foreclosure will be levied. The eligible interest rate will be the applicable card rate for the actual period run prevailing on the date of deposit less 1.00% p.a. as foreclosure charges. For the purpose of calculation of interest on domestic term deposit, on deposits repayable in less than 3 months or where the terminal quarter is incomplete, interest is paid proportionately for the actual number of days, reckoning the year at 365 days. In terms of Reserve Bank of India directives, interest will be calculated at quarterly intervals on term deposits. In case of monthly deposit scheme, the interest will be calculated for the quarter and paid monthly at discounted value.”
Source
Not yet verified
We have not read and recorded Indian Bank’s premature-withdrawal terms for RD, RD · SC, RD · SSC, Savings, NRE Savings, NRO Savings, NRE, NRO, RFC · USD (returned NRI), RFC · GBP (returned NRI), RFC · EUR (returned NRI), RFC · SGD (returned NRI), RFC · AUD (returned NRI), RFC · CAD (returned NRI), RFC · YEN (JPY) (returned NRI), RFC Savings (returned NRI), RFC · CHF (returned NRI), NRE RD, NRO RD, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · YEN (JPY) · Callable, FCNR · CAD · Callable, FCNR · AUD · Callable, FCNR · SGD · Callable, FCNR · CHF · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by Indian Bank
25 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Auto-sweep
NRI deposits
FCNR — callable
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-20
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-20
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-20
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-20
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-20
Financial healthQ4FY26
Full transparency report →- GNPA
- 2.70%
- NNPA
- 0.12%
- CAR
- 16.45%
- CASA
- 37.50%
- ROA
- 1.34%
- ROE
- 16.50%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Indian Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 241 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.