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| < 3 Cr* DOMESTIC (RESIDENT) NRE/NRO deposits | < 3 Cr* (Senior Citizen) Not applicable for NRE/NRO deposits |
|
|---|---|---|
| Tenure | Rate | Rate |
| 7 days to 30 days | 3.25 | 3.75 |
| 31 days to 45 days | 3.50 | 4.00 |
| 46 days to 60 days | 4.50 | 5.00 |
| 61 days to 90 days | 4.75 | 5.25 |
| 91 days to 120 days | 5.00 | 5.50 |
| 121 days to 179 days | 5.00 | 5.50 |
| 180 days | 6.00 | 6.50 |
| 181 days to 210 days | 5.75 | 6.25 |
| 211 days to 269 days | 6.00 | 6.50 |
| 270 days to 364 days | 6.25 | 6.75 |
| 1 Year to below 1 Year 6 Month | 6.75 | 7.25 |
| 1 Year 6 months to below 1 Year 7 months | 6.90 | 7.40 |
| 1 Year 7 months to below 2 Years | 6.90 | 7.40 |
| 2 Years to 3 Years | 7.00 | 7.75 |
| Above 3 Years up to below 61 Months | 6.65 | 7.15 |
| 61 Months and above | 6.50 | 7.00 |
| Tax Saver (5 years) | 6.65 | 7.15 |
Note: Interest is compounded quarterly. Annualized yield is effective annual return basis the same.
# Simple interest will be paid on maturity for deposit wherever the tenure is upto 180 days.
Note: NRE Fixed Deposits have a minimum tenure of 1 year. No interest will be paid if the deposit is closed before completion of one year.
| Senior Citizens - Additional interest rate on Domestic Term Deposits |
| *Resident Senior Citizen customers (aged 60 years and above) are eligible for an additional interest benefit on Callable Term Deposits. For deposits below ₹3 Crore, an additional interest benefit of 0.75% p.a. over and above the applicable card rate shall be applicable for tenures of 2 years to 3 years, while an additional 0.50% p.a. shall be applicable for all other eligible tenures. For deposits of ₹3 Crore and above, an additional interest benefit of 0.50% p.a. over and above the applicable card rate shall be applicable across all eligible tenures. These benefits are not applicable to NRE/NRO deposits. |
| Method of Calculation of Interest, Penalty on Premature Withdrawal and Other Terms & Conditions |
|
| Above 1 crore to less than 3 crores (Domestic /NRO/NRE deposits) - Premature Withdrawal Not Allowed*** |
||
|---|---|---|
| Tenure | Rate | Annualized Yield |
| 7 days to 14 days | 4.50 | 4.50 |
| 15 days to 30 days | 4.60 | 4.60 |
| 31 days to 45 days | 5.05 | 5.05 |
| 46 days to 60 days | 5.55 | 5.55 |
| 61 days to 90 days | 5.80 | 5.80 |
| 91 days to 120 days | 5.95 | 5.95 |
| 121 days to 180 days | 6.05 | 6.05 |
| 181 days to 210 days | 6.20 | 6.35 |
| 211 days to 269 days | 6.30 | 6.45 |
| 270 days to 354 days | 6.45 | 6.61 |
| 355 days to 364 days | 6.60 | 6.77 |
| 1 year to below 1 year 1 month | 6.85 | 7.03 |
| 1 year 1 month to below 1 year 6 months | 6.80 | 6.98 |
| 1 year 6 months to below 1 Year 7 months | 7.00 | 7.19 |
| 1 Year 7 months to 3 Years | 6.95 | 7.13 |
| Above 3 years to below 61 months | 6.70 | 6.87 |
| 61 months and above | 6.55 | 6.71 |
Note: Interest is compounded quarterly. Annualized yield is effective annual return basis the same.
# Simple interest will be paid on maturity for deposit wherever the tenure is upto 180 days.
Note: NRE Fixed Deposits have a minimum tenure of 1 year. No interest will be paid if the deposit is closed before completion of one year.
| Method of Calculation of Interest, Penalty on Premature Withdrawal and Other Terms & Conditions |
|
| Tenure | Interest Rates p.a. (%) | Senior Citizen Rates p.a. (%) |
|---|---|---|
| 09 Months | 6.25 | 6.75 |
| 12 Months | 6.75 | 7.25 |
| 15 Months | 6.75 | 7.25 |
| 18 Months | 6.90 | 7.40 |
| 21 Months | 6.90 | 7.40 |
| 24 Months | 7.00 | 7.75 |
| 27 Months | 7.00 | 7.75 |
| 30 Months | 7.00 | 7.75 |
| 33 Months | 7.00 | 7.75 |
| 36 Months | 7.00 | 7.75 |
| Above 3 Years to 61 Months | 6.65 | 7.15 |
| 61 Months and above | 6.50 | 7.00 |
| Period / Currency | USD < 1 Mio | USD 1 Mio < 10 Mio | USD 10 Mio < 25 Mio | USD 25 Mio & Above | GBP < 1 Mio | GBP 1 Mio & Above | EUR | JPY | CAD | AUD |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 yr < 2 yrs | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 2.45 | 0.01 | 2.25 | 4.45 |
| 2 yrs < 3 yrs | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 4.25 | 0.01 | 0.01 | 0.01 | 0.01 |
| 3 yrs < 4 yrs | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 0.01 | 0.01 | 0.01 | 0.01 |
| 4 yrs < 5 yrs | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 0.01 | 0.01 | 0.01 | 0.01 |
| 5 yrs | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 3.50 | 0.01 | 0.01 | 0.01 | 0.01 |
| Currency | USD | GBP | EUR |
|---|---|---|---|
| 1 yr < 2 yrs | 4.00 | 4.00 | 2.45 |
| 2 yrs < 3 yrs | 4.25 | 4.25 | 0.01 |
RFC Savings Rate is the rate applicable for 1Yr<2 Yrs on RFC deposits and is available only in USD, GBP & Euro.
In case of pre-mature withdrawal of FCNR (B) deposits,
| IBU RATE < 1 Mio | USD | EURO | GBP |
|---|---|---|---|
| TENURE | CALLABLE | CALLABLE | CALLABLE |
| 7 days to 14 days | 3.80% | 1.70% | 3.50% |
| 15 days to 30 days | 3.80% | 1.70% | 3.50% |
| 31 days to 45 days | 4.10% | 1.90% | 3.75% |
| 46 days to 60 days | 4.10% | 1.90% | 3.75% |
| 61 days to 90 days | 4.30% | 1.90% | 3.75% |
| 91 days to 120 days | 4.50% | 2.30% | 3.75% |
| 121 days to 150 days | 4.80% | 2.30% | 3.75% |
| 151 days to 180 days | 4.80% | 2.30% | 3.75% |
| 181 days to 210 days | 4.90% | 2.50% | 3.75% |
| 211 days to 240 days | 4.90% | 2.50% | 3.75% |
| 241 days to 269 days | 4.95% | 2.50% | 3.75% |
| 270 days to 330 days | 5.10% | 2.60% | 3.75% |
| 331 days to 343 days | 5.10% | 2.60% | 3.75% |
| 344 days to 354 days | 5.15% | 2.60% | 3.75% |
| 355 days to 364 days | 5.15% | 2.60% | 3.75% |
| 365 days to Below 1 Year 3 Months | 5.30% | 2.70% | 4.20% |
| 1 Year 3 Months to Below 1 Year 4 Months | 5.30% | 2.70% | 4.20% |
| 1 Year 4 Months to Below 1 Year 6 Months | 5.30% | 2.70% | 4.20% |
| 1 Year 6 Months upto 2 Year | 5.30% | 0.01% | 4.20% |
| Above 2 Year to Below 2 Year 6 Months | 5.50% | 0.01% | 4.20% |
| 2 Year 6 Months to Below 2 Year 7 Months | 5.50% | 0.01% | 4.20% |
| 2 Year 7 Months to 3 Year 3 Months | 5.50% | 0.01% | 4.10% |
| Above 3 Year 3 Months to Below 61 Months | 5.50% | 0.01% | 4.10% |
| 61 Months and above upto 10 Years | 5.30% | 0.01% | 4.10% |
| IBU RATE < 1 Mio | USD | EURO | GBP |
|---|---|---|---|
| TENURE | NON CALLABLE | NON CALLABLE | NON CALLABLE |
| 7 days to 14 days | 3.90% | 1.80% | 3.60% |
| 15 days to 30 days | 3.90% | 1.80% | 3.60% |
| 31 days to 45 days | 4.20% | 2.00% | 3.85% |
| 46 days to 60 days | 4.20% | 2.00% | 3.85% |
| 61 days to 90 days | 4.40% | 2.00% | 3.85% |
| 91 days to 120 days | 4.60% | 2.40% | 3.85% |
| 121 days to 150 days | 4.90% | 2.40% | 3.85% |
| 151 days to 180 days | 4.90% | 2.40% | 3.85% |
| 181 days to 210 days | 5.00% | 2.60% | 3.85% |
| 211 days to 240 days | 5.00% | 2.60% | 3.85% |
| 241 days to 269 days | 5.05% | 2.60% | 3.85% |
| 270 days to 330 days | 5.20% | 2.70% | 3.85% |
| 331 days to 343 days | 5.20% | 2.70% | 3.85% |
| 344 days to 354 days | 5.25% | 2.70% | 3.85% |
| 355 days to 364 days | 5.25% | 2.70% | 3.85% |
| 365 days to Below 1 Year 3 Months | 5.40% | 2.80% | 4.30% |
| 1 Year 3 Months to Below 1 Year 4 Months | 5.40% | 2.80% | 4.30% |
| 1 Year 4 Months to Below 1 Year 6 Months | 5.40% | 2.80% | 4.30% |
| 1 Year 6 Months upto 2 Year | 5.40% | 0.11% | 4.30% |
| Above 2 Year to Below 2 Year 6 Months | 5.60% | 0.11% | 4.30% |
| 2 Year 6 Months to Below 2 Year 7 Months | 5.60% | 0.11% | 4.30% |
| 2 Year 7 Months to 3 Year 3 Months | 5.60% | 0.11% | 4.20% |
| Above 3 Year 3 Months to Below 61 Months | 5.60% | 0.11% | 4.20% |
| 61 Months and above upto 10 Years | 5.40% | 0.11% | 4.20% |
Please note "All term deposits accepted from individuals will have to be booked as callable deposits” (other than Individual Clients which are classified as “Professional Client” under the IFSCA client classification requirements).
In case of premature withdrawal, interest shall be calculated at the applicable rate, less 0.25% deduction, for the period such Fixed Deposit was retained with IndusInd Bank – IBU. Premature withdrawal is not permitted in case of ‘Non-Callable Fixed Deposit’.
Click here - Fixed Deposit Rate applicable to Retail Clients (Individuals, NRO, NRE) - Withdrawable
Click here - Fixed Deposit Rate applicable to Retail Clients (Individuals, NRO, NRE) - Non Withdrawable
Click here - Fixed deposit Rate applicable to Financial Institutes other than banks - Withdrawable
Click here - Fixed Deposit Rate applicable to Financial Institutes other than banks - Non-Withdrawable
Click here - Fixed Deposit Rate applicable to Non Financial Institutes other than banks, Individuals and Financial entities - Withdrawable
Click here - Fixed Deposit Rate applicable to Non Financial Institutes other than banks, Individuals and Financial entities - Non-Withdrawable
Click here - Floating Rate Deposits linked to Mibor
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| Savings Bank Account Interest Rates Domestic / Non Resident (NRO/NRE) | Rate p.a. w.e.f. 1st March 2026 |
|---|---|
| Daily balance upto Rs. 1 Lakh | 2.50% |
| Daily balance above Rs. 1 Lakh upto Rs. 25 Lakh | 3.00% |
| Daily balance above Rs. 25 Lakh upto Rs. 5 Cr | 4.00% |
| *Daily balance above Rs. 5 Cr upto Rs. 100 Cr | 5.00% |
| *Daily balance above Rs. 100 Cr upto Rs. 150 Cr | 7.05% |
| *Daily balance above Rs. 150 Cr upto Rs. 1400 Cr | 7.00% |
* Flat Rate applicable on entire balance.
| Savings Account Amount Slabs | Rate p.a. w.e.f. 27th March 2026 |
|---|---|
| *Above 1400 Cr up to 2000 Cr | OVERNIGHT MIBOR p.a.* |
| *Above 2000 Cr up to 8000 Cr | OVERNIGHT MIBOR + 101 bps p.a.* |
| *Above 8000 Cr up to 8600 Cr | OVERNIGHT MIBOR + 70 bps p.a.* |
| *Above 8600 Cr | OVERNIGHT MIBOR + 101 bps p.a.* |
* Flat Rate applicable on entire balance.
Please note:
| Indus Global Savings Account USD | Rate p.a w.e.f 23rd Oct 2026 |
|---|---|
| <=1 Mio | 4.25% |
| >1 Mio <= 5 Mio | 4.75% |
| >5 Mio <= 10 Mio | 4.75% |
| >10 Mio <= 20 Mio | 4.75% |
| >20 Mio <= 40 Mio | 4.75% |
| >40 Mio<=100 Mio | 5.15% |
| > 100 Mio<= 150 Mio | 5.00% |
| > 150 Mio | 2.50% |
| Indus Global Savings Account GBP | Rate p.a. w.e.f. 30th Dec 2024 |
|---|---|
| < =10 Mio | 2.75% |
| 10 Mio + | 3.25% |
Please note:
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Marginal Cost of Funds Based Lending Rate
Rates are effective from Oct 22, 2026
| MCLR | Benchmark MCLR (%) |
|---|---|
| Overnight | 9.15% |
| 1 month | 9.20% |
| 3 month | 9.40% |
| 6 month | 9.60% |
| 1 year | 9.75% |
| 2 year | 9.95% |
| 3 year | 9.95% |
| Base Rate |
9.60% p.a. with effect from Oct 02, 2026 |
| Benchmark PLR |
20.60% p.a. with effect from 19th October 2015. |
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| As on 28-10-2026 (Major Currencies) | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Currency | Description | TT Buy | TT Sell | Fx Card / TC Buy | Fx Card / TC Sell | Cash Buy | Cash Sell | Bills Buy | Bills Sell |
| AED | UAE DIRHAM | 25.14 | 26.61 | 24.99 | 26.76 | 24.93 | 26.82 | 25.08 | 26.67 |
| AUD | AUSTRALIAN DOLLAR | 65.63 | 68.02 | 65.07 | 68.58 | 64.85 | 68.8 | 65.41 | 68.24 |
| CAD | CANADIAN DOLLAR | 66.39 | 68.74 | 65.83 | 69.3 | 65.61 | 69.52 | 66.17 | 68.96 |
| CHF | SWISS FRANC | 112.97 | 116.11 | 112.4 | 116.68 | 112.17 | 116.91 | 112.74 | 116.34 |
| DKK | DANISH KRONES | 13.8 | 14.48 | 13.7 | 14.58 | 13.66 | 14.62 | 13.76 | 14.52 |
| EUR | EURO | 104.02 | 107.36 | 103.27 | 108.11 | 102.98 | 108.4 | 103.72 | 107.66 |
| GBP | POUND STERLING | 124.47 | 128.27 | 123.58 | 129.16 | 123.22 | 129.52 | 124.11 | 128.63 |
| HKD | HONG KONG DOLLAR | 11.76 | 12.47 | 11.69 | 12.54 | 11.66 | 12.57 | 11.73 | 12.5 |
| JPY | YEN | 58.71 | 61.6 | 58.04 | 62.27 | 57.77 | 62.54 | 58.44 | 61.87 |
| NOK | NORWEGIAN KRONE | 9.74 | 10.64 | 9.64 | 10.74 | 9.61 | 10.77 | 9.7 | 10.68 |
| NZD | NEW ZEALAND DOLLAR | 52.1 | 54.5 | 51.68 | 54.92 | 51.51 | 55.09 | 51.93 | 54.67 |
| SAR | SAUDI RIYAL | 24.51 | 26.13 | 24.36 | 26.28 | 24.3 | 26.34 | 24.45 | 26.19 |
| SEK | SWEDISH KRONA | 9.05 | 10.04 | 8.97 | 10.12 | 8.94 | 10.15 | 9.02 | 10.07 |
| SGD | SINGAPORE DOLLAR | 73.02 | 75.26 | 72.59 | 75.69 | 72.42 | 75.86 | 72.85 | 75.43 |
| THB | THAI BAHT | 2.7 | 2.92 | 2.7 | 2.92 | 2.7 | 2.92 | 2.7 | 2.92 |
| USD | U.S. DOLLARS | 93.52 | 96.52 | 92.73 | 97.31 | 92.43 | 97.61 | 93.21 | 96.83 |
| ZAR | RAND | 5.42 | 6.0 | 5.34 | 6.08 | 5.3 | 6.12 | 5.39 | 6.03 |
Last Updated on : 2026-10-28 09:46:06.0
Note: The above rates are TENTATIVE/ INDICATIVE and are not the final rates. Please contact your nearest IndusInd Bank branch for the final rates before proceeding with the transaction. The rates are published on each forex working day and subject to change without notice. IndusInd Bank Ltd does not accept any responsibility for any action taken based on the above rates.
Information on forex rates may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. IndusInd Bank is not obligated to update the information contained in the forex rate list available on the Bank's website, and the service of providing forex rates may be discontinued at any time without notice.
Card Rates to be applied for all FX transactions upto USD 25,000 or equivalent in other currencies. * TC = Travel Card
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| The minimum and maximum and mean rate - Individuals - 01-04-2026 To 30-06-2026 | |||
|---|---|---|---|
| New | Min % | Max % | Mean % |
| Small Commercial Vehicle | 10.00 | 28.51 | 18.04 |
| Passenger Vehicle | 8.98 | 18.00 | 11.02 |
| Construction Equipment | 9.57 | 15.56 | 10.50 |
| Light Commercial Vehicle | 9.66 | 14.70 | 11.39 |
| Medium Heavy Commercial Vehicle | 9.50 | 12.88 | 10.53 |
| Tractor & Farm Equipment | 11.01 | 20.00 | 13.77 |
| Two Wheeler | 13.08 | 27.98 | 21.00 |
| Affordable Home Loan | 10.10 | 15.25 | 11.91 |
| Used | Min % | Max % | Mean % |
| Small Commercial Vehicle | 12.80 | 30.00 | 21.96 |
| Passenger Vehicle | 10.00 | 21.00 | 15.21 |
| Construction Equipment | 11.01 | 18.00 | 13.91 |
| Light Commercial Vehicle | 10.30 | 22.00 | 15.01 |
| Medium Heavy Commercial Vehicle | 10.06 | 19.46 | 13.81 |
| Tractor & Farm Equipment | 18.00 | 23.28 | 19.11 |
| Two Wheeler | 15.76 | 27.08 | 22.70 |
| The minimum and maximum and mean rate - Individuals - 01-04-2026 To 30-06-2026 | |||
|---|---|---|---|
| Category | Min % | Max % | Mean % |
| Personal Loan (Insta Funding) | 12.00 | 15.00 | 12.80 |
| The minimum and maximum and mean rate - Individuals - 01-04-2026 To 30-06-2026 | |||
|---|---|---|---|
| New | Min % | Max % | Mean % |
| Small Commercial Vehicle | 10.49 | 36.00 | 19.43 |
| Passenger Vehicle | 9.01 | 21.42 | 11.44 |
| Construction Equipment | 9.79 | 17.02 | 10.71 |
| Light Commercial Vehicle | 9.84 | 17.67 | 11.90 |
| Medium Heavy Commercial Vehicle | 9.52 | 14.43 | 10.72 |
| Tractor & Farm Equipment | 8.24 | 24.16 | 14.01 |
| Two Wheeler | 14.69 | 39.13 | 23.27 |
| Affordable Home Loan | 10.36 | 16.58 | 12.60 |
| Used | Min % | Max % | Mean % |
| Small Commercial Vehicle | 12.80 | 35.83 | 24.60 |
| Passenger Vehicle | 12.01 | 26.33 | 15.89 |
| Construction Equipment | 11.11 | 19.96 | 14.57 |
| Light Commercial Vehicle | 11.64 | 24.90 | 16.01 |
| Medium Heavy Commercial Vehicle | 10.86 | 24.65 | 14.55 |
| Tractor & Farm Equipment | 15.41 | 26.45 | 20.38 |
| Two Wheeler | 21.80 | 34.80 | 24.96 |
| The minimum and maximum and mean rate - Individuals - 01-04-2026 To 30-06-2026 | |||
|---|---|---|---|
| Category | Min % | Max % | Mean % |
| Personal Loan (Insta Funding) | 12.00 | 15.00 | 12.80 |
For detailed information on vehicle loan interest rates, please click here.
| Interest Rate – Q1 2026-27 | |
|---|---|
| Minimum | 9.99% |
| Maximum | 27.75% |
| Mean | 15.46% |
| Annual Percentage Rate (FY26-27)* | |
|---|---|
| Minimum | 10.00% |
| Maximum | 34.91% |
*Government taxes and other levies as applicable will be charged over and above the Fee and Charge
| Interest Rate Q4 2025-26 | |
|---|---|
| Minimum | 13.00% |
| Maximum | 24.00% |
| Mean | 17.29% |
| Annual Percentage Rate FY26 | |
|---|---|
| Minimum | 13.00% |
| Maximum | 68.92% |
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| Interest Rate – Q2 2026-2027 | |
|---|---|
| Minimum IRR % | 12.00% |
| Maximum IRR % | 21.00% |
| Mean IRR % | 13.28% |
*Government taxes and other levies as applicable will be charged over and above the Fee and Charge
| Interest Rate Q1 2026-27 | |
|---|---|
| Minimum | 14.00% |
| Maximum | 21.99% |
| Mean | 16.78% |
| Annual Percentage Rate Q1 2026-27 | |
|---|---|
| Minimum | 14.43% |
| Maximum | 28.42% |