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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.
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
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 January 2026
| 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 | 6.20 | 6.70 |
| 2 years to less than 3 years | 6.15 | 6.65 |
| 3 years to less than 5 years | 6.05 | 6.55 |
| 5 years | 6.00 | 6.50 |
| Above 5 years | 6.00 | 6.75 |
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 2 January 2026
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.
Indian Bank FD Calculator
What is the highest interest rate offered on Indian Bank Fixed Deposits?
For the general public, the highest interest rate offered on Indian Bank FD is 6.45% p.a. This highest interest rate is offered on Indian Bank’s special fixed deposit scheme, Ind Secure, which has the tenure of 444 days. For senior citizens, additional interest of 0.5% p.a. is given over and above the existing regular rates.
How much interest will I earn if I invest Rs. 1 lakh for a tenure of 1 year in an Indian Bank Fixed Deposit scheme?
The interest offered on 1-year Indian Bank FD is 6.10% p.a. So, if you invest Rs 1 lakh in the bank’s fixed deposit scheme for a period of 1 year then you can earn Rs 6,241 as interest and Rs 1.06 lakh on maturity. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
How much interest will I earn if I invest Rs 1 lakh in a regular Indian Bank FD scheme for a tenure of 3 years?
For regular citizens, Indian Bank currently offers 6% p.a. interest on 3-year FDs. If you invest Rs 1 lakh in a regular Indian Bank FD scheme for a period of 3 years then you can earn Rs 19,562 as interest and Rs 1.19 lakh on maturity. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
What will be the interest rate if I invest ₹ 1 lakh for a tenure of 5 year?
For regular citizens, Indian Bank currently offers 6% p.a. interest on 5-year FDs. If you invest Rs 1 lakh in a regular Indian Bank FD scheme for a period of 5 years then you can earn Rs 34,686 as interest and Rs 1.34 lakh on maturity. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
Is the Indian Bank FD Calculator free to use?
Indian Bank does not have an FD Calculator on its own website. However, individuals can use any Paisabazaar’s FD Calculator to calculate the maturity value on their Indian Bank FDs.
Can NRIs use Indian Bank Fixed Deposit Calculator?
NRIs can use Paisabazaar’s FD Calculator to know the maturity value on their NRE/NRO fixed deposits.
Where can I use the Indian Fixed Deposit calculator?
In place of an Indian Bank FD Calculator, you can use Paisabazaar’s Fixed Deposit Calculator to get an estimate on total maturity value and interest earned on Indian Bank FDs.
Does the Indian Bank FD Calculator show interest earnings separately?
Most FD calculators show the interest earnings separately along with the total maturity amount.
How accurate is the Indian Bank FD Calculator for estimating returns?
There is no FD Calculator on the Indian Bank website. So, those planning to book Indian Bank FDs can check their FDs maturity amount and interest earnings using Paisabazaar’s FD calculator.
Is the Indian Fixed Deposit Calculator useful for tax-saving Indian Bank FDs?
Any online FD calculator can be used for calculating the FD maturity amount and interest earned on the Indian Bank’s tax saving FDs.