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  • What is UPI?

    Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties' bank accounts.

  • What is an UPI-PIN?

    UPI-PIN (UPI Personal Identification Number) is a 4-6 digit pass code you create/set during first time registration with this App. You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on IndusInd Bank App. (Note: Banks issued MPIN is different from the UPI-PIN, please generate a new UPI-PIN in the IndusInd Bank app) Note: Please do not share your UPI-PIN with anyone. App does not store or read your UPI-PIN details and your bank's customer support will never ask for it.

  • What happens if I enter wrong UPI-PIN during a transaction?

    If you enter a wrong UPI PIN more than 3 times, you must reset your UPI PIN or wait 24 hours to make your next transaction.

  • I have selected the Bank name to link with UPI but it does not find my bank A/C

    In such a case, please ensure that the mobile number linked to your bank account is the same as the one verified in any UPI App. If it is not the same, your bank accounts will not be fetched by the UPI platform.

  • How do I pay an online merchant through UPI?

    When you shop-online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (eg - xyz@upi). Once entered, you will receive a collect request on your IndusInd Bank app. Enter your UPI-PIN here and your payment will be complete. As easy as this!

  • Roles and Responsibilities of NPCI / and TPAPs in Unified Payments Interface?

    Click to know more

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Personal Banking

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Whatever your needs, we’ve got a wide range of solutions.

Savings Account

Enjoy endless benefits and privileges on saving account programmes for you and your family with IndusInd Bank.

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Fixed Deposit

Secure your money and watch it grow. Flexible tenures and attractive interest rates.

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INDIE by IndusInd Bank

Take control of all Things Money. Smart & intuitive ‘you-first’ digital banking experience.

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Credit Card

Spending is rewarding. Get access to unparalleled privileges and more with our Credit Card services.

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Personal Loan

Empower your aspirations with an instant personal loan with IndusInd Bank.

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INDIE Savings Account

Open an online savings account with INDIE by IndusInd Bank. Switch to a better way to bank!

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Individual Saving Account

Get more out of your savings. Discover endless benefits and privileges with IndusInd.

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Corporate Salary Account

Convenient banking with enhanced benefits to suit the needs of our corporate salary customers

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Indus Current Account

Flexible & feature rich current accounts designed to boost small & medium business.

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LIFETIME FREE CARD
Legend Credit Card

With a unique contactless feature and a card design that enables you to make fast, convenient and secure everyday purchases

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LIFETIME FREE CARD
EazyDiner Platinum Credit Card

One of the most powerful dining credit card in the world with amazing instant rewards.

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LIFETIME FREE CARD
Platinum RuPay Credit Card

Pay via UPI using your IndusInd Bank Platinum RuPay Credit Card

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Vehicle Loan

Get attractive loans for your next car purchase from IndusInd Bank. Visit any of our nearest branch or apply online.

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Personal Loan

Your dreams, our support. Reach your goals with IndusInd Bank Instant Personal Loan.

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Loan Against Property

Apply for Indusind Bank Loan against Property to meet your business or personal needs.

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INDIE Fixed Deposit

Secure your financial future with special returns of up to 7.99% p.a.!

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MUTUAL FUNDS

IndusSmart is an online Mutual Fund platform by IndusInd Bank to help its account holders learn, invest and plan for their investment goals.

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ASBA

An application for subscribing to a public issue, along with an authorisation to Self Certied Syndicate Bank to block the application money in…

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Alternate Investment

Diversify and customize your investments with the help of your fund manager.

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Health Insurance

Watch over your loved ones from miles away with IndusInd’s Health Insurance Plans

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Life Insurance

Secure the future of the ones you love, in more ways than one

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General Insurance

Protection today for prosperity tomorrow. Find the best General Insurance Plan to protect your family and your assets

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FastTag

IndusInd FASTag is a perfect solution for a hassle-free trip on national highways, it enables automatic deduction of toll charges and lets you

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IndusPay

It allows you to make payments instantly from any bank account, using just a Virtual Payment Address, and without the need to remember any beneciary

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Bharat QR

No need to swipe your card or enter PINs while waiting in a queue. Just shop or pay bills,scan the QR code on your IndusMobile app

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Indus Multicurrency Forex Card

Indus Forex Card offers a safe & cashless way to carry your foreign currency abroad. Available in 14 currencies & is widely accepted.

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Outward Telegraphic Transfers

Indusind Bank offers you instant Telegraphic Transfer facilities through our correspondent banks abroad for you to send money to your loved ones.

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Inward Remittance

Receive inward wire remittances from anywhere in the world in just 1-2 working days, in 17 currencies and at competitive exchange rate.

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Benefits of Saving Account

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discovered the undoubtable source. Lorem Ipsum comes from sections 1.10.32 and 1.10.33 of "de Finibus Bonorum et Malorum" (The Extremes of Good and Evil) by Cicero, written in 45 BC. This book is a treatise on the theory of ethics, very popular during the Renaissance. The first line of Lorem Ipsum, "Lorem ipsum dolor sit amet..", comes from a line in section 1.10.32. The standard chunk of Lorem Ipsum used since the 1500s is reproduced below for those interested. Sections 1.10.32 and 1.10.33 from "de Finibus Bonorum et Malorum" by Cicero are also reproduced in their exact original form, accompanied by English versions from the 1914 translation by H. Rackham

A fixed deposit, also known as FD, is a type of financial investment offered by banks and non-banking financial institutions to their customers. People can invest a set amount of money for a set period of time in an FD and earn a higher rate of interest than they would in a regular savings account. The tenure of fixed deposits varies from 7 days to 10 years. If you want a hassle-free online FD account opening experience, opt for IndusInd Bank You can open an FD in three simple steps. All you need is your PAN and Aadhaar number and complete the Video KYC. The minimum amount that you need to open an FD is Rs. 10,000.

With AA+ Crisil and ICRA rating, IndusInd bank is one of the safest banks for opening fixed deposits. Investors can choose between flexible tenures ranging from 7 days to 10 years according to their needs and deposit capacity. The deposit insurance scheme of RBI covers all IndusInd Bank deposits of up to INR 5,00,000 at customer level. Contact IndusInd Bank or visit their website to open an FD account online and earn the best-in-class interest rate.

If you are an existing savings account holder in IndusInd Bank and want to open FD account online through netbanking, your FD will be opened immediately. In case the funding is from another bank, it will take 2 working days to open FD account online. This is subject to payment realisation from your debiting Bank and credit from the Payment partner.

When you put money into a fixed deposit account, you lock away your funds for a set period of time. Banks give you the option of investing your money in an FD account for as little as 7 days or as long as 10 years. The money you put in helps you earn interest at a fixed rate. In addition, IndusInd Bank also allows premature withdrawal depending on the deposit category. Customers, however, need to check the product details to get the necessary information. On the maturity date, the bank deposits the principal and interest into your account. If you’re interested in opening an FD account online, IndusInd Bank is the right option. It allows you to open a fixed deposit account in three simple steps and offers a competitive interest rate. Get in touch with IndusInd Bank for more information.

Yes, you will receive a Fixed Deposit Advice after you book an FD with IndusInd Bank. The advice will be updated and available within a few days of opening your FD account. 

  • You can log in to our Net Banking portal or the IndusMobile App with your credentials. Simply browse over to the ‘Fixed Deposits’/ ‘Account Summar’ section and click on ‘View/ Download Fixed Deposit Advice’. 
  • A printable FD Advice will be provided to you as per your request. You can view it, save it, or print it as per your preference.
  • In case you need any assistance in accessing the Advice, reach out to our 24/7 Customer Care for help.
  • You can also visit your nearest IndusInd Bank Branch to get the updated FD Advice. 

Yes, you can opt for a nomination facility for Fixed Deposits. The applicant can nominate an individual to receive the funds of the FD in the event of the account holder's demise. The nomination can be made at the time of opening the FD or added later by submitting a nomination form. One can change the nominee at a later stage too.

You can nominate your spouse, parent, sibling, or even a minor/independent child as a nominee. 

When selecting a Fixed Deposit account, consider the following factors:

  • Interest Rate - Compare interest rates across banks to ensure you get the best return on your investment.
  • Tenure - Choose a tenure that aligns with your short-term and long-term financial goals.
  • Premature Withdrawal - Check the bank’s policies regarding premature withdrawal and the penalties involved.
  • Compounding Benefits - Understand how often interest is compounded as this affects your overall earnings.
  • Minimum Deposit Amount - Ensure you meet the minimum deposit requirement of the bank.
  • Bank Reputation - Consider the bank’s reliability and customer service quality.

You should invest in a Fixed Deposit because:

  • FDs offers a safe and steady way to earn returns on your investment.
  • FDs provide guaranteed returns that are unaffected by market conditions.
  • It is very easy to open an FD and track it; you can do it via net banking or through mobile banking apps with just a few simple steps.
  • Tax saver FDs also help to save tax (as per prevailing tax laws). 
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Customers deposit their funds in various schemes, each of which offers different interest rates. Fixed deposit is one such scheme that offers attractive interest rates on a one-time deposit for a certain period. Different banks offer different rates of interest on fixed deposits. IndusInd Bank offers an attractive interest rate for regular citizens and senior citizens.

If the amount of interest on an FD exceeds Rs. 40,000, (50,000 in case of resident senior citizens) the amount will be eligible for a 10% tax deduction. An investor must submit form 15G to the bank, stating that he has no taxable income, in order to avoid paying tax on his FD returns. To avoid TDS on FD returns, senior citizens must submit form 15H to the bank. An investor can also distribute the FD amount to keep the interest rate under Rs. 40,000. Another option for tax saving is to choose a tenure that does not exceed Rs. 40,000 in interest. Book a 5-year Tax Saver Fixed Deposit wit IndusInd Bank and save tax. For more information, get in touch with IndusInd Bank.

The interest accrued on the online fixed deposit will be directly credited to the linked IndusInd Savings Account of existing customers. However, if you don’t have a savings account with IndusInd Bank, the amount accrued, post maturity will be transferred to you via a Demand Draft in your name.

FD is a safe investment that only requires a one-time deposit. You’ll earn interest on the amount you deposit for a chosen period of tenure. There are two methods for calculating interest on a fixed deposit: Simple Interest and Compound Interest.
The rate of interest on a fixed deposit is not the same for all tenures. You should check the rate of interest table available on the bank’s website to invest smartly.

If the interest earned on the FD is above a certain threshold, the bank is liable to deduct TDS as per the norms and rates set by prevailing tax laws. The TDS is deducted at the end of every financial year by the bank.

The TDS rates for FDs can differ based on factors such as the applicant’s tax slab, their age, PAN status, and more. Individuals whose total taxable income is below ₹ 2.5 lakhs are exempt from TDS on FDs. 

Yes, senior citizens can enjoy higher rates when they book an FD with IndusInd Bank.

Currently, the highest interest rate provided to senior citizens is 8.25% p.a. With high interest rates, senior citizens can enjoy better returns and grow their savings grow more efficiently.

Note that the interest rate depends on the tenure chosen by the applicant.

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If you are an existing IndusInd Bank customer, you can book a fixed deposit from a minimum of Rs. 10,000 to maximum Rs. 10 Lakhs. The new customers can book fixed deposit for amount ranging from 10,000 to Rs. 90,000 only. The minimum tenure for book a fixed deposit is 6 months and the maximum tenure is 10 years.

You can withdraw an FD prematurely, that is before its maturity date. This may allow you to access funds during a cash crunch.

However, premature withdrawal of FD is not advisable mainly due to two reasons:

  • You may have to incur penalties on the interest earned in the withdrawal amount.
  • The FD will not reach its full potential, that is earn the optimal amount of interest. 

In addition, some FDs may not allow premature withdrawal. 

Yes, when your FD matures, you receive the full amount (principal amount + accrued interest, minus the applicable taxes) into your IndusInd Bank Savings Account. If you do not have a Savings Account with IndusInd Bank, the amount may be transferred to you via a Demand Draft.

This is only applicable if you have opted for auto-closure of the FD on maturity. If you have pre-opted for auto-renewal, the bank will renew the FD unless otherwise indicated.

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