Indian Bank has reduced the interest on its special and regular FDs. Indian Bank has revised the interest rates of its 444-day IND SECURE and regular fixed deposit (FD) schemes.
These new rates are effective from June 9, 2025. Investments in the IND SECURE scheme can be made till September 30, 2025. Apart from this, the bank has not made any change in the interest of the 555-day IND SECURE FD scheme.
444 days IND SECURE FD scheme
- Start: 8 May 2025
- Minimum investment: Rs. 1,000
- Maximum investment: Less than Rs 3 crore
Interest rate
- General customers will get – 6.90% annual interest
- Senior citizens will get 7.40% annual interest.
- Super senior citizens will get 7.65% annual interest.
Earlier this much interest was being paid:
- 7.15% for general customers
- 7.65% for senior citizens
- 7.90% interest for super senior citizens
This time, returns have been improved especially for senior and super senior citizens, so that they can get more benefits on their savings.
IND GREEN – 555 days FD – There has been no change in the rates of this FD.
- Launch: May 8, 2025
- Minimum investment: Rs 1,000 crore
- Maximum investment: Less than Rs 3 crore
Interest rate
- 6.80% for general customers
- 7.30% for senior citizens
- 7.55% for super senior citizens
There is no change in this FD scheme and it is available at the same rates as before.
Other Regular FD Rates – FD up to Rs. 3 crore
What changed and why?
Rate cut on IND SECURE:
Earlier it was 7.15% for general customers, which has now come down to 6.90%. Both have been balanced to give some relief to senior and super senior citizens and general customers.
No change on IND GREEN:
Rates have been kept constant in this scheme.
Who should invest in 444 days FD?
If you are thinking of investing for the long term, you can invest in the IND SECURE (444 days) scheme as it gives slightly better returns than regular FD.
Indian Bank’s new FD rates have started from June 9, 2025. There are several options available in IND SECURE and IND GREEN.
Interest at interest rates effective from June 9, 2025
- 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 (excluding 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%
