Axis Bank is one of India’s leading private-sector banks and offers a range of fixed deposit (FD) options designed to suit various financial needs. Compared to a regular savings account, an FD provides higher and fixed interest returns, making it a popular choice for conservative investors. Rates vary depending on tenure, depositor category, and the FD scheme selected. Below is a comprehensive guide to Axis Bank FD rates in mid2025, covering general and senior citizen rates, as well as special schemes like TaxSaver FD and FD Plus.
Domestic FD Interest Rates (Below â¹3 Crore)
Axis Bank’s domestic FD rates for regular customers and senior citizens (60+) range from short-term to long-term tenures:
- 714 days: 3.00% (regular), 3.50% (senior).
- 1529 days: 3.00% / 3.50%.
- 3045 days: 3.253.50% / 4.00%.
- 4660 days: 4.004.25% / 4.75%.
- 6187 days: 4.004.50% / 5.00%.
- 88 days< 6 months: 4.75% / 5.25%.
- 69 months: 5.50% / 6.00%.
- 912 months: 5.756.00% / 6.256.50%.
- 1 year1 year 10 days: 6.256.70% / 6.757.20%.
- 1315 months: 6.256.70% / 6.757.20%.
- 1518 months: 6.507.05% / 7.007.55%.
- 18 months2 years: 6.607.05% / 7.107.55%.
- 23 years: 6.606.90% / 7.107.40%.
- 35 years: 6.606.90% / 7.107.40%.
- 510 years: 6.606.90% / 7.357.65%.
FD Plus Rates (â¹35 Crore)
Axis Bank offers superior rates under its FD Plus scheme, though these deposits cannot be prematurely withdrawn or used as collateral:
- 1 year1 year 10 days: ~6.40%.
- 1518 months: ~6.55% (domestic) and ~6.55% (NRE).
- 18 months2 years: ~6.60%6.55% depending on domestic or NRE FDs.
- 25 years: ~6.55% for NRE, ~6.40% for domestic FD Plus.
Tax-Saver FD Scheme
For customers seeking tax benefits under Section 80C, Axis Bank offers a 5-year Tax-Saver FD:
- General depositors: 6.606.70%.
- Senior citizens: 7.257.45%.
NRI Fixed Deposit Rates
NRI customers can access NRE (Non-Resident External) and NRO (NonResident Ordinary) FDs with competitive rates:
- 1 year1 year 10 days: 6.256.70% (varies by deposit amount and type).
- 18 months2 years: 6.607.05%.
- Beyond 2 years: 6.606.90%.
FCNR(B) Foreign Currency FDs
Axis Bank also offers FCNR(B) deposits, which hedge against forex risk by paying interest in foreign currency:
- 12 years: USD 4.75%, GBP 4.55%, EUR 4.25%, AUD 1.65%, CAD 3.85%, JPY 2.75%.
- 23 years: USD 4.05%, GBP 3.80%, EUR 3.80%, AUD 0.01%, CAD 3.60%, JPY 2.50%.
- 35 years: USD 3.904.00%, GBP 3.65%, CAD 3.203.85%, others vary.
- 5 years: USD 3.904.00%, GBP 3.30%, CAD 3.00%, others similar.
Key Benefits of Axis Bank FDs
- Safe and secure investment with fixed returns
- Senior citizens earn an additional 0.500.65% over regular rates.
- Flexible maturities ranging from 7 days to 10 years
- Options for cumulative (compounded) or periodic interest payouts
- Overdraft facility available on select FD schemes
- Premature withdrawal allowed with a 1% penalty for most FDs.
- Available via online banking and mobile app
- Loan against FD up to 90% of the deposit value
- NRI and FCNR options to suit global investors
What Affects Axis Bank FD Rates?
- Monetary policy and repo rates set by RBI
- Term or tenure of the deposit
- Deposit amount and whether it exceeds â¹35 crore brackets
- Customer’s age (senior citizens enjoy higher rates)
- FD scheme chosen (Regular FD, Tax-Saver, FD Plus)
How to Open an FD with Axis Bank
Online via Internet Banking or Mobile App
Log in, select Fixed Deposit, choose your scheme and tenure, enter the amount, and confirm. E-receipt is generated instantly..
Offline at a Branch
Visit a branch, fill the FD application, submit KYC documents, deposit funds, and collect the receipt.
Axis Bank’s FD rates as of mid2025 range from 3.00% to 6.90% for regular customers and up to 7.65% for senior citizens, depending on tenure and scheme. With tailored offerings like Tax-Saver FDs, FD Plus options, and currency-based deposits, the bank caters to a wide spectrum of investors. Whether you’re a short-term saver or planning for the long term, Axis Bank’s fixed deposits provide a reliable and flexible way to grow savings with security and predictable returns.
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