Indian Bank FD Calculator

Indian Bank Fixed Deposit (FD) Calculator

Prospective Indian Bank FD applicants can use the FD Calculator to calculate both the interest income and the total maturity valu­e for different deposit amounts and FD tenures. The online FD calculator considers the Indian Bank FD interest rates, tenure and principal amount to calculate the maturity value and interest amount of the term deposit.

Indian Bank FD Calculator

Fixed Deposit amount ₹

Rate of Interest %

Fixed Deposit Tenure Years Months

Calculate

Maturity Amount

₹0

Total Interest amount

₹0

Principal Amount

₹0

How to Use Paisabazaar’s Indian Bank FD Calculator

Prospective depositors can use Paisabazaar’s Indian Bank FD Calculator by following the below mentioned steps:

• Enter the Indian Bank FD interest rate, amount and deposit tenure
• Click on ‘Calculate’
• The FD calculator will take only a few seconds to calculate the total interest and principal amount of your Indian Bank FD along with the total maturity value earned.

The actual maturity value of your FD depends on many factors like the interest rates and tenure for your Indian Bank FD, the principal amount invested and the type of FD chosen, i.e. cumulative or non-cumulative FD.

Under the non-cumulative FDs, Indian Bank offers both monthly and quarterly interest payout options for depositors under its traditional and tax saving plans. The interest amount in the quarterly interest payout option is credited to the depositor’s current or saving account on a quarterly basis. In the monthly payout option, the interest amount is paid to the depositor every month at a discounted rate. Prospective depositors can also opt to keep the interest amount invested in their FD until maturity by selecting the reinvestment/cumulative FD option.

Prospective depositors seeking regular and fixed monthly income to meet their expenses can opt for the monthly payout option. On the other hand, those who opt for the cumulative FDs can benefit from compounding of the interest component as it remains invested in the term deposit account and starts generating interest income as well.

Indian Bank FD Interest Rates

Indian Bank FD Rates on Domestic/NRE/Capital Gains Type B/Tax Saver Fixed Deposits of less than Rs 3 crore w.e.f. 1 November 2025

Period	Interest Rates (% p.a.)
	Regular Citizens	Senior Citizens
7 days to 14 days	2.80	2.80
15 days to 29 days	2.80	3.30
30 days to 45 days	3.00	3.50
46 days to 90 days	3.25	3.75
91 days to 120 days	3.50	4.00
121 days to 180 days	3.85	4.35
181 days to less than 9 months	4.50	5.00
9 months to less than 1 year	4.75	5.25
1 year	6.10	6.60
Above 1 year to less than 2 years	6.30	6.70
2 years to less than 3 years	6.30	6.70
3 years to less than 5 years	6.25	6.75
5 years	6.00	6.50
Above 5 years	6.00	6.50

Note: 1. Additional 0.50% interest rate is offered to senior citizens (aged 60 years and above) on deposits of up to 15 days to 5 years and a 0.75% interest rate on deposits above 5 years to 10 years.

2. Additional 0.75% interest rates are offered to super senior citizens (aged 80 years and above) for up to 5 years and 1% additional interest rate on deposits above 5 years to 10 years

Note: Interest rates as on 17 December 2025

Special Fixed Deposit Interest Rate

Tenure	Interest Rates (% p.a.)
IND SECURE – 444 Days	Public	Senior Citizen	Super Senior Citizen
	6.60	7.10	7.35
IND GREEN 555 Days	6.50	7.00	7.25

Note: 1. “IND SECURE 444 days” is for deposits starting from Rs 1,000 to less than Rs 3 crore for 444 days in the form of FD/MMD with callable options (with premature withdrawal facility). The scheme is valid till 30 September 2025.

2. “IND GREEN 555 days” are for deposits starting from Rs 1,000 to less than Rs 3 crore for 555 days in the form of FD/MMD with callable options (with premature withdrawal facility).

Indian Bank Tax Saver Deposit

Tenure	Interest Rates (% p.a.)
	Regular Citizens	Senior Citizens
5 years to 10 years	6.00	6.50

Advantages of Using Indian Bank FD Calculator

Prospective depositors availing Indian Bank FD can get the following benefits by using the FD Calculator:

Free of Cost

Indian Bank FD applicants can use the FD calculator tool more than once without paying any charges for usage. Applicants can use this tool to compare and analyse the returns for different combinations of FD tenures, interest rates and principal amount.

Saves Time

Calculating the total maturity value manually can be a time consuming exercise while also leading to human errors. FD calculator uses an automated process that helps save your time in calculating the interest income and total maturity valu­e for your FD while providing relatively error free results.

Know Your Returns in Advance

Indian Bank FD applicants can use the FD calculator to fetch relatively accurate estimates of their total earnings. Using the FD calculator will help you make prudent financial decisions based on your cash flows and liquidity requirements before investing in fixed deposits.