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ICICI Bank is one of India’s largest private sector banks, offering competitive fixed deposit (FD) interest rates across flexible tenures ranging from 7 days to 10 years. ICICI Bank FDs are suitable for conservative investors looking for stable returns, flexible payout options and capital safety backed by a reputed banking institution. 

Some key features of booking a deposit with this issuer include: 

• General citizens can earn FD interest rates of up to 6.50% p.a. 

• Senior citizens can earn up to 7.10% p.a. 

• You can open an FD starting from ₹10,000 

• Flexible tenure options ranging from 7 days to 10 years 

• Monthly, quarterly and cumulative interest payout options available 

• Tax Saver FD option with a 5-year lock-in period 

• Premature withdrawal facility available on most FD schemes 

Read on to learn about the latest ICICI Bank FD interest rates, eligibility, FD types, tax rules, documents required and how to open an FD online. 

ICICI Bank FD Highlights 2026 

Feature	Details
Minimum Deposit Amount	₹10,000 (Regular FD); ₹5,000 (iWish Flexi FD)
Tenure Range	7 days to 10 years
Highest Rate (General Citizens)	6.50% p.a.
Highest Rate (Senior Citizens)	7.10% p.a.
Senior Citizen Benefit	Additional 0.50% p.a. (extra 0.10% for 15–18 months tenure)
Tax Saver FD Rate (General)	6.50% p.a. (5-year lock-in)
Tax Saver FD Rate (Senior)	7.10% p.a. (5-year lock-in)
Premature Withdrawal	Allowed with penalty (0.50%–1% charge); not allowed on Tax Saver FD
Interest Payout Options	Monthly, Quarterly, or Cumulative (at maturity)
Nomination Facility	Available

ICICI Bank FD Interest Rates 2026 — Below ₹3 Crore 

Here are the latest ICICI Bank FD interest rates for deposits below ₹3 crore (effective April 2026): 

Tenure	General Citizens (p.a.)
7 days to 29 days	2.75%
30 days to 45 days	3.00%
46 days to 90 days	4.00%
91 days to 184 days	4.50%
185 days to less than 1 year	5.50%
1 year to less than 15 months	6.25%
15 months to less than 18 months	6.50%
18 months to 2 years	6.40%
2 years 1 day to 3 years	6.50%
3 years 1 day to 5 years	6.50%

Disclaimer: ICICI Bank FD interest rates are w.e.f. April 1, 2026 and were last revised on April 16, 2026. Rates are subject to change. Always verify the latest rates on the official ICICI Bank website or iMobile app before investing. 

Before investing, always check the latest ICICI Bank FD rates on the official website or mobile app, as rates may change periodically. For deposits above ₹3 crore, FD interest rates vary based on tenure and premature withdrawal conditions. 

Senior citizens receive higher FD rates than regular depositors, making ICICI Bank senior citizen FDs a suitable option for retirement planning and regular income generation. You can also use an ICICI Bank FD calculator to estimate maturity value and total interest earnings before investing. 

ICICI Bank FD Rates for Deposits Above ₹3 Crore 

ICICI Bank also offers fixed deposit schemes for bulk deposits above ₹3 crore. The interest rates for these deposits differ from retail FD rates and depend on: 

• Deposit amount 

• Chosen tenure 

• Premature withdrawal option 

• Institutional or individual category 

• Market liquidity conditions 

Bulk FD rates are revised periodically by the bank. Investors planning large deposits should check the latest rates directly through ICICI Bank branches, Relationship Managers, Net Banking or the official website before booking an FD. 

Types of ICICI Bank Fixed Deposit 

ICICI Bank offers multiple FD schemes to suit different financial goals and investment preferences. 

1. Regular Fixed Deposit 

This is the standard FD scheme offering guaranteed returns for tenures ranging from 7 days to 10 years. 

2. Tax Saver Fixed Deposit 

This FD comes with a mandatory 5-year lock-in period and offers tax deduction benefits under Section 80C of the Income Tax Act up to ₹1.5 lakh annually. 

3. Senior Citizen Fixed Deposit 

Senior citizens receive additional interest benefits of up to 0.50% p.a. over regular FD rates. 

4. iWish Flexible Recurring Deposit 

This flexible deposit option allows customers to save systematically with lower minimum investment requirements starting from ₹5,000. 

5. NRE/NRO Fixed Deposits 

Non-Resident Indians (NRIs) can invest through NRE and NRO FD accounts based on their residency and repatriation needs. 

6. Money Multiplier FD 

This is a linked FD facility where customers can earn FD interest while maintaining liquidity through an overdraft against the deposit. 

Key Features of ICICI Bank FD 

Here are some important features of ICICI Bank Fixed Deposits: 

• Flexible tenure options from 7 days to 10 years 

• Competitive FD interest rates for regular and senior citizens 

• Guaranteed and predictable returns 

• Option to choose monthly, quarterly or cumulative interest payout 

• Auto-renewal facility available 

• Premature withdrawal facility on most schemes 

• Loan or overdraft facility against FD 

• Online FD booking through Net Banking and iMobile app 

• Nomination facility available 

• DICGC insurance coverage up to ₹5 lakh per depositor 

ICICI Bank FDs are suitable for investors seeking low-risk investment avenues with assured returns and flexible payout options. 

Who Can Open an ICICI Bank FD? 

The following individuals and entities can open an ICICI Bank FD: 

• Indian residents above 18 years of age 

• Minors under guardian supervision 

• Hindu Undivided Families (HUFs) 

• Sole proprietorship firms 

• Partnership firms 

• Limited companies 

• Trusts and societies 

• Non-Resident Indians (NRIs) 

Also Read: ICICI Bank Statement 

Documents Required to Open an ICICI Bank FD 

You can open an ICICI Bank FD with the following documents: 

Identity Proof 

• Aadhaar Card 

• Passport 

• PAN Card 

• Driving Licence 

• Voter ID 

Address Proof 

• Utility bill 

• Passport 

• Post office-issued certificate or ID 

• Bank statement with cheque 

Note: For existing ICICI Bank customers opening an FD online via Net Banking or the iMobile app, a full KYC document submission may not be required if your account is already KYC-verified. 

How to Open an ICICI Bank FD Online? 

You can open an ICICI Bank FD online through Net Banking or the iMobile app by following these steps: 

1. Log in to ICICI Bank Net Banking or the iMobile app 

2. Navigate to the “Deposits” or “Fixed Deposit” section 

3. Choose the FD type and tenure 

4. Enter the deposit amount 

5. Select the interest payout option 

6. Add nominee details if required 

7. Review applicable interest rates and maturity value 

8. Confirm the transaction using OTP or authentication credentials 

Once completed, the FD is created instantly and the deposit receipt is available digitally. 

Tax on ICICI Bank FD Interest 

Interest earned on ICICI Bank Fixed Deposits is taxable under the head “Income from Other Sources”. 

Here are some important tax rules to know: 

• FD interest is added to your total taxable income 

• TDS is deducted if annual FD interest exceeds the prescribed threshold 

• Senior citizens get a higher TDS exemption threshold under Section 194A 

• Tax Saver FDs qualify for deduction under Section 80C up to ₹1.5 lakh 

• Tax Saver FDs have a mandatory 5-year lock-in period 

• You can submit Form 15G or Form 15H to avoid TDS deduction if eligible 

It is advisable to consult a tax advisor to understand the exact tax implications based on your income slab and investment amount. 
 

Know that with ICICI Bank, you also have the option of premature withdrawal, giving you immediate access to funds if you need it. However, this feature comes with a penalty. Instead of breaking your FD during emergencies, you can consider a Fibe Instant Cash Loan and keep your investment intact. You can get up to ₹10 lakhs at competitive rates with flexible repayment tenures through a 100% digital application process on the Fibe Personal Loan App or website. 

FAQs on ICICI Bank FD Interest Rates 

What is the interest rate of FDs in ICICI Bank? 

As of April 2026, ICICI Bank FD rates range from 2.75% to 6.50% p.a. for general citizens and 3.25% to 7.10% p.a. for senior citizens. The highest rates are available on select tenures such as 15 months to less than 18 months and long-term deposits. 

Can I open an ICICI Bank FD online? 

Yes. Existing ICICI Bank customers can open an FD instantly through the iMobile app, Net Banking, or at select ICICI Bank ATMs for eligible amounts. New customers may need to complete KYC verification at a branch. 

What is the minimum deposit amount for ICICI Bank FD? 

The minimum deposit amount for a regular ICICI Bank FD is ₹10,000. For the iWish Flexi FD, the minimum investment starts at ₹5,000. 

Is ICICI Bank FD safe? 

Yes. ICICI Bank is a scheduled commercial bank regulated by the Reserve Bank of India (RBI). Deposits are insured up to ₹5 lakh per depositor under DICGC insurance coverage. ICICI Bank also holds strong credit ratings, reflecting high safety standards. 

Can I withdraw my ICICI Bank FD before maturity? 

Yes, premature withdrawal is allowed for most ICICI Bank FDs. However, a penalty of around 0.50% to 1% may apply on the interest rate. Tax Saver FDs cannot be withdrawn before the 5-year lock-in period. 

What is the ICICI Bank FD interest rate for senior citizens in 2026? 

As of April 2026, ICICI Bank offers senior citizen FD rates ranging from 3.25% to 7.10% p.a. Senior citizens receive an additional interest benefit of up to 0.50% over regular FD rates. 

How is interest calculated on ICICI Bank FD? 

ICICI Bank calculates FD interest based on the deposit amount, applicable interest rate, tenure and payout option selected. For cumulative FDs, interest is compounded quarterly, increasing the maturity amount over time. 

Is the interest earned on ICICI Bank FD taxable? 

Yes, interest earned on ICICI Bank Fixed Deposits is fully taxable as per your applicable income tax slab. TDS may also be deducted if the interest exceeds the prescribed threshold during a financial year. 

Kotak Mahindra Bank, one of India’s fastest-growing banks, offers fixed deposit schemes where you can start investing with just ₹5,000. You can get attractive interest rates on these FDs depending on certain factors, such as: 

• Investment period
• Deposit type
• Your age

So, read on to know the latest rates and more.

Kotak Mahindra Bank FD Rates for Deposits Less Than ₹2 Crores

Here are the most recent interest rates for deposits with premature withdrawal facility:

Maturity Periods	For Regular Investors (in p.a.)	For Senior Citizens (in p.a.)
7 – 14 Days	2.75%	3.25%
15 – 30 Days	3.00%	3.50%
31 – 45 Days	3.25%	3.75%
46 – 90 Days	3.50%	4.00%
91 – 120 Days	4.00%	4.50%
121 – 179 Days	4.25%	4.75%
180 Days	7.00%	7.50%
181 Days to 269 Days	6.00%	6.50%
270 Days	6.00%	6.50%
271 Days to 363 Days	6.00%	6.50%
364 Days	6.50%	7.00%
365 Days to 389 Days	7.10%	7.60%
390 Days (12 months 24 days)	7.15%	7.65%
391 Days – Less than 23 Months	7.20%	7.70%
23 Months	7.25%	7.80%
23 Months 1 Day – Less than 2 Years	7.25%	7.80%
2 Years – Less than 3 Years	7.15%	7.65%
3 Years and Above but Less than 4 Years	7.00%	7.60%
4 Years and Above but Less than 5 Years	7.00%	7.60%
5 Years and Above Up to and Inclusive of 10 Years	6.20%	6.70%

Here are a few things you need to remember:

• The bank may revise rates based on internal and external factors, so view the most recent rates before you invest
• Check the latest fixed deposit rates for Kotak Bank on the website or app for investments of more than ₹2 crores

Also Read: Kotak Mahindra Bank Balance Enquiry Number

Benefits of Choosing Kotak Mahindra Bank FDs

Here are the standout advantages you should consider:

• Receive a Handsome Payout 

Watch your savings grow with the high fixed deposit rates. What’s more, The FDs are rated AAA by CRISIL, which means it is a reliable and trustworthy option when you want to reduce your risk exposure. 

• Get Interest Earnings at Maturity or Regular Intervals 

If you need money periodically, you can invest in this FD as it offers regular payouts every month or quarter. To earn more, you can choose a cumulative FD and receive earnings at maturity. This flexibility helps you find an option that works best for you.

• Freedom of Choice 

You can invest for any time, starting from 7 days to 10 years. This helps you meet both short-term and long-term goals.

• Liquidity at Any Time 

You can withdraw either partially or fully before maturity as per the terms. This helps you access funds when you need it. What’s more, if you need more funds, you can use the overdraft facility and borrow against your FD. 

Now that you know the fixed deposit rates for Kotak Bank and the benefits that make it a good choice, plan your investment smartly. To avoid partial withdrawal penalty and continue earning on your investment, get an Urgent Personal Loan of up to ₹5 lakhs in just 2 minutes. 

Fibe offers instant funding at affordable rates and flexible tenure, ensuring you have a convenient and comfortable experience. Download our Personal Loan App or register on our website to get started. 

FAQs on Fixed Deposit Rates of Kotak Mahindra Bank

What is the interest rate for FDs at Kotak?

Here are the details: 

• The rates go up to 7.70% if you plan to invest up to ₹2 crores
• These rates vary depending on the term, deposit type and other factors 

How can I get 6% interest at Kotak Mahindra Bank?

Since your rate depends on the term you choose, you can check which period offers the desired returns and invest accordingly. As of February, you can enjoy 6% interest by investing up to ₹2 crores for 181 to 263 days, provided you are a regular investor. 

What is the maximum FD amount at Kotak Bank?

There is no upper limit. However, remember that your rates will differ based on your investment amount. 

What is the interest rate for an FD of ₹1 lakh at Kotak Mahindra Bank?

The fixed deposit rates of Kotak Mahindra Bank for an investment of ₹1 lakh can range between 2.75% and 7.80% based on the tenure.

Is Kotak Bank safe for fixed deposits?

Yes, Kotak Mahindra Bank is considered safe for fixed deposits due to the following reasons:

• It enjoys the highest safety rating from CRISIL
• It also carries the protection of the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakhs

Can a Kotak FD be withdrawn?

Yes, you can withdraw from the deposit before maturity. However, penalty charges or revised interest rates may apply.

DBS Bank offers a high-interest rate of 8.00% on their FDs alongside convenience and safety. DBS is a celebrated bank which has received accolades as:

• The ‘World’s Best Bank’
• The ‘Safest Bank in Asia’

You can choose the tenure that best suits you from the multiple options offered. DBS Bank also offers an additional 0.50% interest rate to senior citizens. 

DBS Bank FD Interest Rates for Deposits Below ₹2 Crores

The table below outlines the DBS FD rates based on your tenure and your profile:

Fixed Deposit Tenure	DBS FD Rates for Regular Citizens	DBS FD Rates for Senior Citizens
7 days	2.50%	2.50%
8 days & up to 14 days	2.75%	2.75%
15 days & up to 29 days	4.00%	4.00%
30 days & up to 45 days	4.50%	4.50%
46 days & up to 60 days	4.50%	4.50%
61 days	5.00%	5.00%
62 days & up to 90 days	5.00%	5.00%
91 to 180 days	5.00%	5.00%
181 to 269 days	6.00%	6.50%
270 to less than 1 year	6.00%	6.50%
1 year to 375 days	7.00%	7.50%
376 days to 540 days	7.50%	8.00%
541 days to 599 days	7.25%	7.75%
600 days	7.25%	7.75%
601 days to less than 2 years	7.25%	7.75%
2 years to less than 2 years & 6 months	7.00%	7.50%
2 years & 6 months	7.00%	7.50%
2 years 6 months 1 day & less than 3 years	7.00%	7.50%
3 years and less than 4 years	6.50%	7.00%
4 years to less than 5 years	6.50%	7.00%
5 years and above	6.50%	7.00%

The FD rates displayed in this table are only applicable to individual Indian citizens. If you plan to invest more than ₹2 crores, you can get preferential rates, so contact DBS to know more. 

Also Read: Best banks for saving accounts in India

Benefits of Starting an FD at DBS Bank

Here are some advantages you can enjoy when you book a DBS Bank FD:

• Invest Without Delay: You can open an FD with DBS Bank with just ₹10,000 and get started on your investment journey without wasting a minute! With the Digibank mobile app, you can start with just ₹5,000.
• Choose Convenient Tenures: You can not only enjoy high DBS Bank FD interest rates but also enjoy flexibility when it comes to choosing when your investment matures. Pick a tenure from 7 days to 5 years or more so you can receive your interest payout when you need it.
• Open Cumulative or Non-Cumulative FDs: Decide when you want to receive the interest earnings every month or every quarter or get them at maturity to earn more.
• Experience Simplicity with the Mobile App: Digibank is a mobile banking application powered by DBS, wherein you can open a fixed deposit digitally. You can also track your earnings, add a nominee and manage your FD seamlessly using the app. 
• Enjoy Safety at Every Step: When you open your FD with DBS Bank, you can also protect your invested corpus with the insurance provided by DICGC up to ₹5 lakhs. 

With all these benefits, opening an FD with DBS Bank is one of the ways you can strengthen your financial health for the future. However, in case you need instant funds now for life’s many upgrades, you can rely on Fibe. 

Get a Personal Loan in just 2 minutes at affordable rates online to access up to ₹5 lakhs. Download our Personal Loan App or register on our website to get started. 

FAQs on DBS Bank FD Rates 

What is the interest rate on FDs in DBS Bank?

DBS Bank offers varying FD interest rates depending on: 

• Deposit amount
• Tenure
• Age of the investor

Here are the DBS Bank FD rates for deposits under ₹2 crores:

• Regular citizens: 2.50% to 7.50% per annum
• Senior citizens: 2.50% to 8.00% per annum

What is the DBS Fixed Deposit interest rate in 2024?

Check out the DBS Bank FD rates in 2024:

• Regular citizens: 2.50% to 7.50% per annum
• Senior citizens: 2.50% to 8.00% per annum

Does DBS have fixed deposit options?

Yes, DBS Bank provides various FD options that help:

• Build your wealth safely
• Avoid market fluctuations

How is the DBS Fixed Deposit interest calculated?

The DBS Bank FD interest depends upon the following:

• Deposit amount
• Interest rate
• Investment tenure
• Payout option

To make your calculation easy, you can use the DBS Bank FD calculator. 

How do I withdraw a fixed deposit from DBS?

You can prematurely withdraw your DBS Bank FD using the following:

• The Digibank mobile app
• Net banking
• DBS Bank branch

In such cases, you will earn interest at a reduced rate with a 1% penalty based on the bank’s terms and conditions.

Axis Bank offers fixed deposits with tenures ranging from 7 days to 10 years. As per the bank’s latest August 2026 rate schedule, Axis Bank FD rates for deposits below ₹3 crore range from 3.00% to 6.50% p.a. for regular citizens and 3.50% to 7.25% p.a. for senior citizens, depending on the tenure. 

The highest Axis Bank FD interest rate for regular customers is currently 6.50% p.a., while eligible senior citizens can earn up to 7.25% p.a. 

The applicable Axis Bank fixed deposit rates depend on factors such as the deposit amount, tenure and customer category. Axis Bank’s current domestic FD rate card is effective from 13 August 2026. 

How to Invest in Axis Bank FD? 

Here is a simple step-by-step guide to opening an Axis Bank Fixed Deposit: 

1. Choose the Type of FD 

Select an FD based on your requirements. Axis Bank offers options such as Regular FD, Digital FD, Tax Saver FD, Auto FD and Fixed Deposit Plus. 

2. Check the Latest Interest Rates 

Review the latest Axis Bank FD rates before choosing your tenure. Interest rates vary depending on the deposit period, amount and whether you qualify for senior citizen rates. 

3. Keep Your Documents Ready 

If you are not an existing Axis Bank customer, keep the applicable KYC documents such as PAN and Aadhaar ready. 

4. Choose How to Open the FD 

You can open an eligible FD: 

• Through Axis Bank Internet Banking 

• Through the Axis Mobile App 

• Online through the Digital FD journey 

• By visiting an Axis Bank branch 

5. Select the Deposit Amount and Tenure 

Axis Bank Regular FDs offer tenures ranging from 7 days to 10 years. 

The minimum deposit is currently: 

• ₹5,000 when booked through Internet Banking or the Mobile App 

• ₹10,000 when booked at a branch 

6. Select the Interest Payout Option 

Depending on the deposit type, you can choose: 

• Reinvestment or cumulative option 

• Monthly interest payout 

• Quarterly interest payout 

7. Add a Nominee 

Add a nominee to your deposit as part of the account-opening process. 

8. Confirm the FD 

Once the FD is successfully booked, you can access its details through the applicable Axis Bank banking channel. 

Axis Bank FD Interest Rates – Deposits Below ₹3 Crore 

The following Axis Bank FD interest rates apply to domestic deposits below ₹3 crore. Axis Bank’s current rate page is effective from 13 August 2026. 

Tenure	Regular Citizens (% p.a.)	Senior Citizens (% p.a.)
7 days to 14 days	3.00%	3.50%
15 days to 29 days	3.00%	3.50%
30 days to 45 days	3.25%	3.75%
46 days to 60 days	4.00%	4.50%
61 days to 87 days	4.75%	5.25%
88 days to 3 months 24 days	5.00%	5.50%
3 months 25 days to less than 4 months	5.00%	5.50%
4 months to less than 6 months	5.00%	5.50%
6 months to less than 9 months	5.50%	6.00%
9 months to less than 1 year	5.75%	6.25%
1 year to 1 year 10 days	6.25%	6.75%
1 year 11 days to less than 13 months	6.25%	6.75%
13 months to less than 15 months	6.25%	6.75%
15 months to less than 18 months	6.45%	6.95%
18 months to less than 2 years	6.50%	7.00%
2 years to less than 3 years	6.50%	7.00%
3 years to less than 5 years	6.50%	7.00%
5 years to 10 years	6.50%	7.25%

Interest rates are subject to change. Check Axis Bank’s official rate page before investing. 

Also Check: Axis Bank Balance Enquiry Number 

Axis Bank FD Plus Rates – ₹3 Crore to Less Than ₹5 Crore 

Axis Bank Fixed Deposit Plus is intended for deposits of ₹3 crore and above. Unlike a regular callable FD, premature withdrawal is not permitted for FD Plus. 

The following rates for deposits of ₹3 crore to less than ₹5 crore are effective from 13 August 2026. 

Tenure	FD Plus Rate (% p.a.)
30 days to 45 days	4.25%
46 days to 60 days	4.50%
61 days to 87 days	5.00%
88 days to 3 months 24 days	5.95%
3 months 25 days to less than 4 months	5.95%
4 months to less than 6 months	5.95%
6 months to less than 9 months	6.15%
9 months to less than 1 year	6.20%
1 year to 1 year 10 days	6.60%
1 year 11 days to less than 13 months	6.60%
13 months to less than 15 months	6.60%
15 months to less than 18 months	6.60%
18 months to less than 2 years	6.60%
2 years to less than 3 years	6.60%
3 years to less than 5 years	6.60%
5 years to 10 years	6.60%

Axis Bank’s current FD Plus rate card is based on deposit-value slabs rather than separate regular and senior citizen columns. Premature withdrawal is not permitted under this scheme. 

Also Check: Axis Bank Customer Care Number 

Axis Bank Tax Saver FD Rates 

Axis Bank offers a Tax Saver Fixed Deposit with a fixed tenure of 5 years. 

Particulars	Details
Tenure	5 years
Regular Citizen Rate	6.50% p.a.
Senior Citizen Rate	7.25% p.a.
Minimum Deposit	₹100
Maximum Deposit	₹1.5 lakh per financial year
Premature Withdrawal	Not permitted, except in applicable exceptional cases
Tax Benefit	Deduction of up to ₹1.5 lakh under the applicable tax-saving provision

The current retail 5-year FD rates are 6.50% for regular citizens and 7.25% for senior citizens. Axis Bank states that the Tax Saver FD permits investments from ₹100 up to ₹1.5 lakh and carries a five-year lock-in. 

Important: Axis Bank’s current 2026 documentation refers to the tax deduction under Section 123 read with Schedule XV of the Income-tax Act, 2025. Older material may continue to refer to this type of tax-saving FD under Section 80C. 

Axis Bank FD Rates by Tenure: Short-Term vs Medium-Term vs Long-Term 

The right tenure depends on when you need your money and the rate available for that period. 

FD Category	Indicative Tenure	Regular Citizen Rates	Senior Citizen Rates
Short-Term FD	7 days to less than 1 year	3.00%–5.75%	3.50%–6.25%
Medium-Term FD	1 year to less than 3 years	6.25%–6.50%	6.75%–7.00%
Long-Term FD	3 years to 10 years	6.50%	7.00%–7.25%

Short-Term FDs 

These may suit investors who want to park money for less than a year while maintaining relatively quicker access to their funds. 

Medium-Term FDs 

Tenures between one and three years currently offer some of the highest Axis Bank FD rates for regular customers. 

Long-Term FDs 

Longer deposits can suit investors who do not require immediate liquidity. Eligible senior citizens currently receive the highest retail rate of 7.25% p.a. for the 5–10 year tenure. 

Types of Axis Bank FD Schemes 

Axis Bank offers different deposit options depending on your investment amount, tenure and payout requirements. 

Regular Fixed Deposit 

The standard Axis Bank FD offers: 

• Tenures from 7 days to 10 years 

• Minimum online/mobile investment of ₹5,000 

• Monthly, quarterly and reinvestment payout choices 

• Premature withdrawal facility subject to applicable terms 

Tax Saver Fixed Deposit 

This FD has: 

• Fixed 5-year lock-in 

• Minimum investment of ₹100 

• Maximum investment of ₹1.5 lakh per financial year 

• Applicable tax deduction benefit 

• No regular premature withdrawal 

Reinvestment Fixed Deposit 

Under a reinvestment FD, the interest earned is added back to the deposit instead of being paid periodically. This allows the accumulated interest to compound until maturity. 

Axis Bank revised its interest-calculation methodology for reinvestment deposits from 18 August 2025, with compounding aligned to anniversary quarters for applicable deposits. 

Monthly Payout Fixed Deposit 

This option pays interest periodically on a monthly basis and may suit customers looking for regular cash flow. 

Quarterly Payout Fixed Deposit 

Interest is paid every quarter rather than accumulated until maturity. 

Auto Fixed Deposit 

Auto Fixed Deposit combines savings-account liquidity with an FD-linked sweep facility. Excess balance can move into a fixed deposit according to the applicable instructions. 

Fixed Deposit Plus 

FD Plus is intended for high-value deposits starting from ₹3 crore. 

The scheme offers higher-value deposit slabs but does not permit premature withdrawal. 

Digital Fixed Deposit 

Axis Bank Digital FD can be opened without already having an Axis Bank Savings Account. 

Its key features include: 

• Minimum deposit: ₹5,000 

• Maximum deposit: ₹1.99 crore 

• Tenure: 7 days to 10 years 

• Aadhaar and PAN-based digital onboarding 

• Video KYC for eligible new customers 

• Funding through another Indian bank account 

• Same applicable interest-rate structure as the standard FD 

Express Fixed Deposit 

Axis Bank has also offered an Express Fixed Deposit as a digital deposit format for customers without an existing Axis Bank savings relationship. 

However, Axis Bank’s current deposit-product menu prominently lists Digital Fixed Deposit rather than Express FD as a separate mainstream product. Therefore, customers should check current availability and applicable limits with Axis Bank before relying on older Express FD product specifications. 

NRI Fixed Deposits 

Eligible NRIs can explore products such as NRE and NRO deposits. NRI FD rates and taxation differ from domestic resident deposits. 

Senior Citizen Fixed Deposit Rates 

Resident senior citizens receive preferential interest rates on eligible domestic FDs. The additional rate varies by tenure and can currently take the effective rate up to 7.25% p.a. 

Eligibility for Axis Bank Fixed Deposit 

Axis Bank states that regular fixed deposits can be opened by eligible categories including: 

• Resident individuals 

• Hindu Undivided Families (HUFs) 

• Sole proprietorships 

• Partnership firms 

• Limited companies 

• Trusts 

The exact eligibility conditions can vary depending on the FD scheme. 

For a Digital FD, the applicant must generally: 

• Be an Indian resident individual 

• Be at least 18 years old 

• Be physically present in India during the application 

• Have an Aadhaar-linked mobile number 

• Meet applicable Aadhaar, PAN and Video KYC requirements 

Documents Required to Open Axis Bank FD 

Existing Axis Bank customers may be able to book an FD using their existing verified banking relationship. 

For non-Axis Bank customers, applicable documents can include: 

• PAN 

• Aadhaar 

• Aadhaar-linked mobile number 

• Applicable identity and address proof 

• Additional KYC documentation where required 

Axis Bank’s standard FD page specifically lists valid PAN and Aadhaar for non-Axis Bank account holders opening eligible deposits. 

For Digital FD, Aadhaar and PAN are required as part of the digital onboarding process. 

Benefits of Axis Bank Fixed Deposits 

Apart from competitive Axis Bank fixed deposit rates, FDs offer several features: 

Easy to Start 

Eligible customers can start a regular online FD with ₹5,000. 

Flexible Tenures 

Choose a tenure ranging from 7 days to 10 years. 

Multiple Payout Options 

You can choose monthly, quarterly or reinvestment options depending on the FD type. 

Digital Booking 

Eligible customers can book and manage FDs through Axis Bank’s Internet Banking and Mobile Banking channels. 

New-to-bank customers can also explore Digital Fixed Deposit through digital KYC. 

Loan and Overdraft Facility 

Eligible Axis Bank FDs can be used to access a loan or overdraft facility, allowing customers to raise funds without necessarily closing the deposit. 

Deposit Insurance 

Eligible Axis Bank deposits are covered under the DICGC deposit-insurance framework. DICGC insures eligible deposits, including fixed deposits, up to ₹5 lakh per depositor per bank in the same right and capacity, including principal and interest. 

If you need funds for a short-term personal requirement instead of breaking an investment, you can also explore the personal loan options available through Fibe, subject to eligibility and approval. 

Download the Fibe App or visit the website to check your eligibility. 

FAQs On Axis Bank FD Rates 2026 

1.What Is the FD Rate of Axis Bank? 

As of August 2026, Axis Bank’s domestic FD rates for deposits below ₹3 crore range from: 

• 3.00% to 6.50% p.a. for regular citizens 

• 3.50% to 7.25% p.a. for senior citizens 

The exact rate depends on the tenure. 

2.What Is the 7% Interest Rate at Axis Bank? 

Eligible senior citizens currently receive 7.00% p.a. on several medium- and long-term FD tenure buckets, including 18 months to less than 5 years. 

For 5 years to 10 years, the current senior citizen rate is even higher at 7.25% p.a. 

Regular-citizen retail FD rates currently peak at 6.50% p.a. 

3.What Is the Maximum FD Amount at Axis Bank? 

The maximum amount depends on the FD product and booking channel. 

For example, Axis Bank’s Digital Fixed Deposit currently allows investments of up to ₹1.99 crore. Axis Bank separately publishes rate categories for deposits below ₹3 crore, ₹3 crore to less than ₹5 crore and larger-value deposits. 

Therefore, there is no single maximum amount that applies across every Axis Bank FD product. 

4.Is Axis Bank Safe for Fixed Deposits? 

Axis Bank is included within India’s regulated banking system, and eligible bank deposits receive DICGC deposit insurance. 

DICGC currently covers eligible deposits, including fixed deposits, up to ₹5 lakh per depositor per bank in the same right and capacity, including principal and interest. 

The insurance limit should not be interpreted to mean that deposits above ₹5 lakh are fully insured. 

5.What Are the Axis Bank Fixed Deposit Interest Rates for ₹1 Lakh? 

For a ₹1 lakh retail domestic FD, the applicable rate depends primarily on the chosen tenure and customer category. 

Current rates range from: 

• 3.00%–6.50% p.a. for regular citizens 

• 3.50%–7.25% p.a. for senior citizens 

You can use an Axis Bank FD calculator to estimate the maturity amount for your chosen tenure. 

6.What Are the Axis Bank FD Rates in 2026? 

As per Axis Bank’s rate schedule effective 13 August 2026, domestic retail FD rates below ₹3 crore range from 3.00% to 6.50% for regular customers and 3.50% to 7.25% for senior citizens. 

Since Axis FD rates can be revised at any time, check the bank’s official rate page before booking a deposit. 

7.Can I Cancel an Axis Bank FD at Any Time? 

Most regular Axis Bank FDs permit premature withdrawal, subject to applicable interest-rate adjustments and penalties. 

However, this does not apply to every scheme. 

For example: 

• Tax Saver FD: Premature withdrawal is generally not permitted during the five-year lock-in, except in specified exceptional circumstances. 

• FD Plus: Premature withdrawal is not permitted. 

8.Is Axis Bank Good for FD? 

Whether an Axis Bank FD is suitable depends on your financial goals, desired tenure, liquidity requirements and expected return. 

Factors you may consider include: 

• Current FD rate 

• Deposit tenure 

• Senior citizen benefit, if eligible 

• Payout frequency 

• Premature withdrawal rules 

• DICGC insurance 

• Tax treatment 

Compare the available options rather than choosing an FD only because it offers the highest advertised rate. 

9.What Is the Axis Bank FD Interest Rate for a 1-Year Tenure? 

For deposits below ₹3 crore, the current rate for 1 year to 1 year 10 days is: 

• 6.25% p.a. for regular citizens 

• 6.75% p.a. for senior citizens 

10.How Is TDS Deducted on Axis Bank FD Interest? 

Interest earned on an FD is taxable according to the applicable income-tax rules. 

Axis Bank states that TDS is assessed based on the aggregate projected FD/RD interest for the financial year. If the applicable threshold is crossed, TDS can be deducted proportionately when interest is applied. 

Under the current 2026 framework referenced by Axis Bank, the threshold is ₹50,000 for eligible regular depositors and ₹1 lakh for senior citizens, subject to prevailing tax rules and applicable declarations/exemptions. 

11.Can I Take a Loan or Overdraft Against My Axis Bank FD? 

Yes. Axis Bank offers loan and 24×7 overdraft facilities against eligible fixed deposits, subject to the applicable product terms and eligibility requirements. 

However, not all deposit types qualify. For example, a Tax Saver FD cannot generally be pledged as security during its lock-in period.

Post Office Savings Schemes have been in existence since India’s independence and were meant to promote a habit of saving among citizens since their launch. If you are taking this traditional route to save, you can park your funds in the following schemes:

• Time Deposit or Fixed Deposit
• National Savings Recurring Deposit (RD)
• Public Provident Fund (PPF)​
• National Savings Monthly Income Account (MIS)

Read on to know the latest interest rates for Post Office FDs as per the tenure. 

Post Office FD Interest Rates in 2024

By knowing the latest rates, you can capitalise on your investment and save for future needs. 

Keep in mind that your interest is computed every quarter and paid annually. Additionally, the rates vary based on the tenure. Check the table below to see what you stand to earn. 

FD Tenure	Post Office FD interest rates in 2024
1 year (12 months)	6.90%
2 years (24 months)	7.00%
3 years (36 months)	7.10​%
5-year Tax -Saver FD (60 months)	7.50%

Disclaimer: These rates are valid up to March 31, 2024. Check the latest rates before you invest to ensure you are making the right choice. 

Features of the India Post Fixed Deposit

The following are several beneficial features of this scheme:

• Choices of Tenure and Low Starting Value 

You can start your investment for a period ranging between one and five years. That’s not all. You don’t have to wait to accumulate a lumpsum amount as you can start with just ₹1,000. Also, you can increase your investment in multiples of ₹100 with no upper limit. 

• Easy Extension of The Duration 

You have the option to extend your account once it matures. If you choose to do so, you can continue the account for the same period as the original tenure. Simply follow the prescribed period to notify of your decision to do so:

1. For a 1-year FD, you can extend within 6 months of maturity
2. For a 2-year FD, you can extend within 12 months
3. For 3- or 5-year FD, you can extend within 18 months

• Tax Benefits 

Along with the high-interest rate of 7.50% on the 5-year FD, you can enjoy the advantage of exemptions u/s 80C.

• Easy Access to Liquidity 

You can close your FD account earlier than your chosen tenure if you need access to cash. However, this is permitted only after 6 months. In such cases, an interest penalty will apply depending on when you withdraw your investment. 

• No Age or Member Limit

Anyone can open an account. You can have your own or have a joint account. That’s not all. Minors can have an account by themselves if they are above the age of 10 years and guardians can also open one on their behalf.

• No Restriction on the Number of Accounts

You can open as many as account you want. You can even go for the laddering technique and ensure liquidity while maximising your returns.

These benefits allow you to grow your money and secure your financial future with ease. However, make sure you check the prevailing rates of other deposits before investing. This will help ensure you get the best returns. 

To avoid premature withdrawal and its penalty, you can get an Instant Personal Loan from Fibe. With an entirely digital process, it takes just a few minutes to apply. Download our Personal Loan App or register on the website today! 

FAQs on Post Office FD Interest Rates

What is the interest on ₹1 lakh in a Post Office FD?

It depends on the following factors:

• The tenure you choose 
• The prevailing rates 

Which fixed deposit is best in Post Office FD?

The best tenure depends on your financial goals, as the rates vary with the term. Consider the following details while deciding:

• You can get a return starting at 6.90% 
• You can go for the Tax-Saver deposit for tax benefits

What are Post Office FD interest rates in 2024?

Till March 2024, you can get returns between 6.90% and 7.50%, depending on the tenure.

Is the Post Office FD 100% safe?

Yes. The scheme is backed by the Government of India. 

Can I double my money in 5 years with a Post Office FD?

No. The maximum interest you can get is 7.50%. 

What is the maximum FD amount I can invest in a post office?

There is no upper limit on the amount you deposit in this scheme. However, you can increase the amount only in multiples of ₹100.

Is it good to invest in Post Office FD?

This scheme can be a good option because of the following reasons: 

• It offers secure and guaranteed returns.
• It provides a fixed interest rate, making it suitable for conservative investors seeking stability.