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Axis Bank Fixed Deposit Rates 2025
Reviewed by: Fibe Research Team
- Updated on: 8 May 2025
Looking to invest in a Fixed Deposit? As of 2025, Axis Bank offers FD interest rates ranging from 3.00% to 7.10%, depending on the tenure, deposit amount and your age. You can start investing with just ₹5,000 and earn attractive returns tailored to your financial goals.
These rates vary based on several factors:
- Your investment amount
- Chosen tenure
- Whether you’re a senior citizen
Knowing the latest Axis Bank FD interest rates before investing helps you make a smarter, goal-aligned decision.
Read on to explore the updated FD interest rates and discover why Axis Bank FDs are a preferred choice for secure, steady growth.
How to invest in Axis Bank FD?
Here’s a simple step-by-step guide on how to invest in an Axis Bank Fixed Deposit (FD):
- Pick the type of FD
Choose between a regular FD, a tax-saving FD if you want tax benefits, or a senior citizen FD if you are 60+. Each type offers different benefits based on your financial needs and age.
- Check the interest rates
Visit the Axis Bank website or branch to see the latest rates available. Higher interest rates can help your money grow faster over time.
- Keep your documents ready
Prepare your PAN card, Aadhaar card and a recent photo if needed for opening your first-time account. These documents help complete your KYC (Know Your Customer) verification.
- Choose how to open the FD
Online: Use Axis Bank Internet Banking or the Mobile App for a quick setup.
Offline: Visit any Axis Bank branch to open your FD in person.
Select the option that is easiest for you based on your comfort with digital banking.
- Decide how much to invest and for how long
Determine the deposit amount and choose a tenure ranging from 7 days to 10 years. The right term depends on when you might need access to your funds.
- Select your interest payout option
Opt for regular payouts (monthly/quarterly) or let the interest compound until maturity. Regular payouts provide periodic income, while compounding increases your final amount.
- Add a nominee
Designate a nominee who will receive the funds in case something happens to you. This step ensures that your money goes to a trusted person without any legal hassles.
- Get confirmation
Once your FD is opened, you’ll receive a confirmation through SMS, email or a printed receipt from the branch. This serves as proof of your investment and includes all the details for future reference.
Interest Rates for Less Than ₹3 Crores Deposit
The following are current Axis Bank FD rates for domestic deposits for regular and senior citizens.
| Tenure | Regular Citizens (in % p.a.) | Senior Citizens (in % p.a.) |
|---|---|---|
| 7 days to 14 days | 3.00 | 3.50 |
| 15 days to 29 days | 3.00 | 3.50 |
| 30 days to 45 days | 3.50 | 4.00 |
| 46 days to 60 days | 4.25 | 4.75 |
| 61 days < 3 months | 4.50 | 5.00 |
| 3 months to 3 months 24 days | 4.75 | 5.25 |
| 3 months 25 days < 4 months | 4.75 | 5.25 |
| 4 months < 5 months | 4.75 | 5.25 |
| 5 months < 6 months | 4.75 | 5.25 |
| 6 months < 7 months | 5.75 | 6.25 |
| 7 months < 8 months | 5.75 | 6.25 |
| 8 months < 9 months | 5.75 | 6.25 |
| 9 months < 10 months | 6.00 | 6.50 |
| 10 months < 11 months | 6.00 | 6.50 |
| 11 months to 11 months 24 days | 6.00 | 6.50 |
| 11 months 25 days < 1 year | 6.00 | 6.50 |
| 1 year to 1 year 4 days | 6.70 | 7.20 |
| 1 year 5 days to 1 year 10 days | 6.70 | 7.20 |
| 1 year 11 days to 1 year 24 days | 6.70 | 7.20 |
| 1 year 25 days < 13 months | 6.70 | 7.20 |
| 13 months < 14 months | 6.70 | 7.20 |
| 14 months < 15 months | 6.70 | 7.20 |
| 15 months < 16 months | 7.10 | 7.60 |
| 16 months < 17 months | 7.10 | 7.60 |
| 17 months < 18 months | 7.10 | 7.60 |
| 18 Months < 2 years | 7.10 | 7.60 |
| 2 years < 30 months | 7.10 | 7.60 |
| 30 months < 3 years | 7.10 | 7.60 |
| 3 years < 5 years | 7.10 | 7.60 |
| 5 years to 10 years | 7.00 | 7.75 |
Also Check: Axis Bank Balance Enquiry Number
Interest Rates of Deposit Between ₹3 Crores and ₹5 Crores
Here are the Axis Bank fixed deposit rates for domestic deposits over ₹3 crores and less than ₹5 crores.
| Tenure | Regular Citizens (in % p.a.) | Senior Citizens (in % p.a.) |
|---|---|---|
| 7 days to 14 days | 4.75 | 5.25 |
| 15 days to 29 days | 4.75 | 5.25 |
| 30 days to 45 days | 5.50 | 6.00 |
| 46 days to 60 days | 5.75 | 6.25 |
| 61 days < 3 months | 6.00 | 6.50 |
| 3 months to 3 months 24 days | 6.50 | 7.00 |
| 3 months 25 days < 4 months | 5.15 | 5.65 |
| 4 months < 5 months | 6.50 | 7.00 |
| 5 months < 6 months | 6.50 | 7.00 |
| 6 months < 7 months | 6.75 | 7.25 |
| 7 months < 8 months | 6.75 | 7.25 |
| 8 months < 9 months | 6.75 | 7.25 |
| 9 months < 10 months | 6.85 | 7.35 |
| 10 months < 11 months | 6.85 | 7.35 |
| 11 months to 11 months 24 days | 6.85 | 7.35 |
| 11 months 25 days < 1 year | 7.40 | 7.35 |
| 1 year to 1 year 4 days | 7.40 | 7.90 |
| 1 year 5 days to 1 year 10 days | 7.40 | 7.90 |
| 1 year 11 days to 1 year 24 days | 7.40 | 7.90 |
| 1 year 25 days < 13 months | 7.40 | 7.90 |
| 13 months < 14 months | 7.40 | 7.90 |
| 14 months < 15 months | 7.40 | 7.90 |
| 15 months < 16 months | 7.05 | 7.55 |
| 16 months < 17 months | 7.05 | 7.55 |
| 17 months < 18 months | 7.05 | 7.55 |
| 18 Months < 2 years | 7.05 | 7.55 |
| 2 years < 30 months | 7.00 | 7.50 |
| 30 months < 3 years | 7.00 | 7.50 |
| 3 years < 5 years | 7.00 | 7.50 |
| 5 years to 10 years | 7.00 | 7.75 |
To decide on the best investment tenure, you can calculate your potential returns with the given interest rate. To simplify the calculations, you can use the Axis Bank FD calculator.
Also Check: Axis Bank Customer Care Number
Types of Axis Bank FD Schemes
Here’s a table listing the types of Axis Bank Fixed Deposit (FD) schemes, along with their key features and eligibility:
| FD Scheme | Key Features | Eligibility |
|---|---|---|
| Regular Fixed Deposit | Fixed tenure and interest; flexible payout options | Resident Individuals, HUFs |
| Tax Saver Fixed Deposit | 5-year lock-in; tax deduction under Section 80C | Resident Individuals (Single/Joint) |
| Reinvestment FD | Interest compounded quarterly and paid at maturity | Resident Individuals, HUFs |
| Monthly Income Scheme (MIS) | Interest paid monthly; ideal for regular income | Resident Individuals, HUFs |
| Quarterly Payout FD | Interest paid quarterly; good for passive income | Resident Individuals, HUFs |
| Auto Fixed Deposit | Auto-sweep from savings if balance exceeds threshold; reverse sweep if needed | Savings Account Holders |
| Fixed Deposit Plus | Higher interest rates for deposits without premature withdrawal facility | Resident Individuals, HUFs |
| NRI Fixed Deposits (NRE/NRO) | Repatriable and non-repatriable options; tax-free interest on NRE FDs | Non-Resident Indians (NRIs) |
| Senior Citizens FD | Additional interest rate (usually +0.50% p.a.) | Individuals aged 60 years and above |
Benefits of Investing in an Axis Bank FD
Apart from the attractive Axis Bank FD rates, here are some reasons to book a deposit with them:
- Start Easily
Begin your investment journey with a low deposit amount, online or offline.
- Flexible Tenures
Pick a maturity period that aligns with your short or long-term goals.
- Payout Options
Choose between reinvesting your interest or receiving regular income.
- Quick Digital Booking
Open an FD in minutes through video KYC—fast, paperless and hassle-free.
- Other Key Advantages
Enjoy features like auto-sweep, better returns and minimal exit penalties.
As you start your investment, keep an eye on your current finances, too. If you need funds for the short term, you can rely on Fibe. With Fibe Instant Cash Loan, enjoy up to ₹5 lakhs with easy application and minimum documentation.
You can use these funds without any restrictions and repay with a comfortable tenure of up to 36 months. This allows you to manage your emergency and planned expenses easily. Apply now by downloading our Personal Loan App or visiting our website now!
FAQs on Axis Bank FD Rates in 2024
What is the FD rate of Axis Bank?
Currently, you can enjoy a maximum 7.75% per annum interest rate for regular and 7.90% for senior citizens. You can check the current rates on the bank’s official website.
What is the 7% interest rate at Axis Bank?
You can enjoy interest of 7% when you book a domestic deposit between 5-10 years for less than ₹3 crores.
What is the maximum FD amount at Axis Bank?
While there is no upper limit for investing in an Axis Bank Fixed Deposit, you can only deposit up to ₹1.99 crores digitally.
Is Axis Bank a safe bank for fixed deposits?
Yes, it is generally considered safe for FD investment for the following reasons:
- It is an established bank and enjoys an ICRA AAA (Stable) rating.
- The deposits are secured for up to ₹5 lacs as per DICGC guidelines.
What are the fixed deposit interest rates of Axis Bank for ₹1 lac?
Here are some details of the Axis Bank fixed deposit rate:
- The interest rate depends on the term you choose.
- It ranges between 3.00% and 7.75% for regular citizens.
- It starts from 4.75% and extends up to 7.90% for senior citizens.
What are the Axis Bank FD rates in 2024?
Here are the details of the rates:
- It starts from 3.00%, depending on the investment terms.
- It can extend up to 7.80% for deposits worth more than ₹500 crores.
Can I cancel the Axis Bank FD at any time?
Yes, Axis Bank usually allows early withdrawal of fixed deposits. However, penalty charges or revised interest rates may apply. It’s best to check the exact terms and conditions for cancelling your fixed deposit.
Is Axis Bank good for FD?
Depending on your investment tenure, you can enjoy FD interest rates from 3.00% and 7.20% p.a. Additionally, senior citizens enjoy a 0.5% to 0.75% extra interest on their deposit. Thus, it is one of the best options for top banks in India.
