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FD Interest Rates (Oct 2025)
FD interest rates determine the return on your fixed deposit investment. They are the smart way to supercharge your savings and maximise their potential. These rates not only impact the returns on your FD investment(s) but also influence your overall financial growth, enabling you to reach your financial milestones faster. By staying informed about our latest FD interest rates, you can unlock doors to new growth opportunities, realise your financial goals and build a brighter financial future.
Important Notes
Note: Please clear browser history/cookies before accessing the interest rate chart on website in order to view the latest effective interest rates
Premature withdrawal not permitted, Overdraft facility against Fixed Deposit Plus is not permitted.
* For terms & conditions and any other details, please contact your nearest Axis Bank Branch.
** Rates are subject to change without any prior notice.
*The Bank at its discretion, may disallow premature withdrawal of large deposits for amount ₹5 crores and above, held by entities other than Individuals and Hindu Undivided Family (HUF).
Key Fixed Deposit Interest Rates:
| Domestic Fixed Deposits | ||||
|---|---|---|---|---|
Maturity Period | General | Senior Citizens | ||
| Less than ₹3 crore | ₹3 crore to less than ₹5 crore | Less than ₹3 crore | ₹3 crore to less than ₹5 crore | |
| 1 year to 1 year 10 days | 6.25% | 6.40% | 6.75% | 6.90% |
| 18 Months < 2 Years | 6.60% | 6.60% | 7.10% | 7.10% |
| NRE Fixed Deposits | ||
|---|---|---|
| Maturity Period | Less than ₹3 crore | ₹3 crore to less than ₹5 crore |
| 1 year to 1 year 10 days | 6.25% | 6.40% |
| 18 Months < 2 Years | 6.60% | 6.60% |
Why invest in FD?
Secure investments
Fixed Deposits are ideal for risk-averse investors, offering safe and secure investment option with steady and pre-determined returns. They are also an optimal option
Read MoreHigher returns
Fixed Deposits generally provide higher returns than Savings Accounts, helping you reach your financial goals over various time horizons.
Flexibility
With tenures ranging from 7 days to 10 years, Fixed Deposits offer flexibility in terms of investment tenure. You can also choose your payout frequency
Read More
Secure investments
Fixed Deposits are ideal for risk-averse investors, offering safe and secure investment options with steady and pre-determined returns. They are also an optimal option for investors to balance out their risk against market-linked instruments.
Flexibility
With tenures ranging from 7 days to 10 years, Fixed Deposits offer flexibility in terms of investment tenure. You can also choose your payout frequency, whether it is a single payout at maturity or regular monthly or quarterly payouts.
Variety
Axis Bank offers various Fixed Deposit options like Regular FD, Digital FD, Tax-Saver FD, Fixed Deposit Plus, and Auto FD to suit different financial goals. Additionally, senior citizens can benefit from special higher interest rates on Fixed Deposits.
Taxation on Fixed Deposit
Tax Deducted at Source (TDS) on interest earned from fixed deposits is governed by the prevailing Income Tax regulations. TDS is deducted based on the total projected interest on all fixed deposits held by a customer in a financial year. If the projected interest exceeds the specified threshold limit, TDS is deducted proportionately from the fixed deposits at the time the interest is credited. This is in accordance with Section 194A of the Income Tax Act
How to calculate FD Interest Rate?
- 01
Open our FD Calculator page.
- 02
Select your customer category (normal or senior citizen) and FD type.
- 03
Enter the principal amount and the duration for which you want to invest.
- 04
Once you enter these details, our FD Calculator will instantly display the results, including the interest rate on Fixed Deposit, maturity value and aggregate interest amount.
Bank Fixed Deposit Interest Rates: Special features
Axis Bank Fixed Deposits offer more than just savings. Use them to optimise your financial strategy.
- FDs offer higher interest rates than regular Savings Accounts, offering safe and secured returns.
- Anyone can invest money in a FD, as the eligibility extends to all Indian residents, including minors and Hindu Undivided Families (HUFs).
- Nomination in FD application ensures they can claim the deposit post account holder's demise, with valid death proof.
- The sweep-in feature on FDs lets you link savings to FD, enabling the transfer of excess funds and earning FD interest on savings.
- Axis Bank facilitates loans against FDs, giving access to a loan with interest rates marginally above the FD rates.
Frequently Asked Questions
The interest for a ₹1 lakh FD depends on two key factors, i.e., the Term Deposit rate and tenure. To get an exact estimate of the interest you will earn on a ₹1 lakh FD, use our FD Calculator.
To get monthly interest on a Fixed Deposit, choose the 'monthly payout' option when opening the FD. This is a useful feature if you are looking to earn a secondary source of income.
Yes, the interest earned on Fixed Deposits (FDs) is taxable. Tax at source is deducted as per the Income Tax regulations prevalent from time to time. TDS on interest earned from fixed deposits is deducted based on the total interest projected on the aggregate of fixed deposits of the customer for the financial year. If the total projected interest in a financial year crosses the TDS threshold limit, TDS is deducted proportionately from the existing fixed deposits at the time of interest application. This is in accordance with Section 194A of the Income Tax Act.
Typically, longer tenures offer higher FD interest rates; the highest rates for general and senior citizens are often for the deposits parked beyond 12 months.
Yes, you can generate monthly income or interest from an FD Account by choosing the “Monthly Payout” option when opening the FD.
Axis Bank offers competitive interest rates on Fixed Deposits, for both general and senior citizens.
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