Indian Bank has reduced interest rates on both its special and regular fixed deposits (FDs). The changes apply to the 444-day IND SECURE FD scheme and other regular FDs.
The new rates came into effect on June 9, 2025. Customers can invest in the IND SECURE scheme till September 30, 2025. However, interest rates on the 555-day IND GREEN FD remain unchanged.
IND SECURE – 444 Days FD Scheme
Launched: May 8, 2025
Minimum Investment: ₹1,000
Maximum Investment: Less than ₹3 crore
New Interest Rates:
General Customers: 6.90% annually
Senior Citizens: 7.40% annually
Super Senior Citizens: 7.65% annually
Earlier Interest Rates Were:
7.15% for general customers
7.65% for senior citizens
7.90% for super senior citizens
This time, the interest rate has been slightly reduced for general customers but improved for senior and super senior citizens to give them better returns on their savings.
IND GREEN – 555 Days FD Scheme
Launched: May 8, 2025
Minimum Investment: ₹1,000
Maximum Investment: Less than ₹3 crore
Interest Rates (No Change):
General Customers: 6.80%
Senior Citizens: 7.30%
Super Senior Citizens: 7.55%
The bank has kept the interest rates unchanged on this scheme.
Changes in Regular FDs (Up to ₹3 Crore)
What Changed and Why?
IND SECURE FD: Interest rate for general customers was 7.15%, now reduced to 6.90%. This change aims to offer better balance and slightly higher returns for senior citizens.
IND GREEN FD: No change in interest rates; remains the same to offer a stable investment option.
Who Should Invest in the 444 Days IND SECURE FD?
If you’re looking for a medium to long-term investment, the IND SECURE scheme offers slightly better returns than a regular FD.
It’s especially beneficial for senior and super senior citizens due to improved rates. The revised interest rates came into effect on June 9, 2025, and both IND SECURE and IND GREEN options are currently available.
Revised Interest Rates for Other FDs (Effective June 9, 2025):
| Tenure | Interest Rate |
|---|---|
| 7–14 days | 2.80% |
| 15–29 days | 2.80% |
| 30–45 days | 3.00% |
| 46–90 days | 3.25% |
| 91–120 days | 3.50% |
| 121–180 days | 3.85% |
| 181 days–9 months | 4.50% |
| 9–12 months | 4.75% |
| 1 year | 6.10% |
| 1–2 years (excl. 444/555 days) | 6.60% |
| 444 days FD | 6.90% |
| 555 days FD | 6.80% |
| 2–3 years | 6.40% |
| 3–5 years | 6.25% |
| 5 years and above | 6.00% |
