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Axis Bank Fixed Deposit (FD) Interest Rates 2025

By Mayashree Acharya

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Updated on: Apr 13th, 2025

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8 min read

Axis Bank offers Fixed Deposit (FD) schemes, providing secure and assured returns on investments over a fixed period of time. The interest rates range from 3.00% to 7.25% p.a., with a minimum deposit of Rs. 5000 and a tenure ranging from 7 days to 10 years. Keep reading this blog to learn more about Axis Bank FD and its interest rates

Highlights for 2025 Fixed Deposit Scheme of Axis Bank

Tenure

7 days to 10 years

Senior Citizen Interest Rates

3.50 - 7.75% p.a.

Public Interest Rates

3.00 - 7.25% p.a.

Highest Interest Rates for Public

7.25% p.a.

Highest Interest Rates for Senior Citizens

7.75% p.a.

Premature Withdrawal

Axis Bank charges a 1% penalty for pre-closing an FD. However, there is no penalty for partial withdrawals of up to 25% of the principal amount.

Minimum Deposit Amount

Rs 5000

FD Interest Rates for Axis Bank 2025

Tenure 

FD Rates for Regular Customer (%p.a.)

FD Rates for Senior Citizen (% p.a.)

7 – 14 days

3.00

3.50

15 – 29 days

3.00

3.50

30 – 45 days

3.50

4.00

46 – 60 days 

4.25

4.75

61 days - 87 days

4.50

5.00

88 days – 3 months 24 days

4.75

5.25

3 months 25 days < 4 months

4.75

5.25

4 months < 6 months

4.75

5.25

6 months < 9 months 

5.75

6.25

9 months < 1 year 

6.00

6.50

1 year – 1 year 10 days

6.70

7.20

1 year 11 days < 13 months

6.70

7.20

13 months < 15 months 

6.70

7.20

15 months < 18 months 

7.25

7.75

18 Months < 2 years 

7.25

7.75

2 years < 3 years 

7.10

7.60

3 years < 5 years 

7.10

7.60%

5 years to 10 years

7.00

7.75

*Interest Rates as of 11th April 2025

Types of Axis Bank FD Schemes

Type of FD Scheme

Minimum Deposit Amount

Tenure

Features

Other Details

Regular Fixed Deposit

  • Rs. 5,000 (online/app)
  •  Rs. 10,000 (branch visit)

7 days to 10 years

  • Flexible payout options: Reinvestment, Quarterly payout, Monthly payout 
  • Automatic rollover facility

Best for general savings with customizable payout modes.

Digital Fixed Deposit

Rs. 5,000 to Rs. 2 lakh

6 months to 10 years

  • Fully digital process with full KYC 
  • Premature withdrawal up to 25% without penalty  
  • No account opening fees

Great for tech-savvy individuals who want quick, online FD management.

Axis Auto Fixed FD

Excess savings balance above Rs. 25,000 (in multiples of Rs. 5,000)

6 months to 5 years

  • Linked to savings a/c, excess funds automatically converted to FD 
  • Automatic “sweep-out” when savings a/c balance < Rs. 25,000
  • Interest earned on withdrawn portions based on actual tenure

Offers liquidity while earning FD-level interest on linked accounts

suitable for dynamic savings management.

Axis Tax Saver FD

Rs. 100 to Rs. 1.5 lakh

Fixed for 5 years

  • Tax saving option under Section 80C
  • Payout options: Reinvestment, Quarterly or Monthly interest payout
  • Single account only 
  • No fees

Ideal for tax planning; funds are locked for 5 years (no premature withdrawal).

Fixed Deposit Plus

Rs. 5 Crore (no upper limit)

7 days to 10 years

  • Flexible deposit types: Short-term, Reinvestment, Monthly/Quarterly payout
  •  Doesn’t auto-renew
  • Both simple and compound interest are available

Targeted towards high-net-worth individuals; eligible for both NRI and NRO customers.

Axis Bank FD Special Features and Benefits

  • Get attractive interest rates on the deposit made.
  • The minimum deposit tenure is se3.ven days, and the maximum tenure is 10 years.
  • The bank offers a tax-saving FD scheme that complies with Section 80C of the Income Tax Act.
  • The minimum deposit amount is Rs.5,000.
  • Tax will be deducted at source by the bank, if applicable, from the proceedings of the deposit.
  • Axis Bank offers different schemes to suit the needs of customers.
  • Open the FD account conveniently via internet banking, mobile app, or at the bank branch.
  • Avail easy fund liquidation facility.
  • Get the benefit of auto-renewal of the account.

Basic Eligibility Criteria for Axis Bank FD

  • Indian resident individuals aged 18 years and above
  • Non-Resident Indians (NRIs)
  • Hindu Undivided Families (HUFs)
  • Sole Proprietorship Firms
  • Partnership Firms
  • Limited Companies
  • Trust Accounts

Documents Required for Axis Bank FD

Individuals, HUFs, and Sole-Proprietorship Firms

  • Valid passport or driving license
  • An introduction by any other bank or by an Axis Bank Savings account holder (who is associated with the bank for the last six months)
  • A photograph

Trusts

  • Copy of the Trust Deed
  • Copy of the Registration Certificate
  • Copy of the Resolution of Trustees authorising the concerned members to open and operate the account
  • Photographs of the members operating the account

Associations/Clubs

  • Bye-laws of the Association
  • Copy of the Resolution by the Board authorising the concerned members to open and operate the account
  • Photographs of the members operating the account

Partnership Firms

  • Partnership Deed
  • Letter from partners approving the concerned persons to open and operate the account
  • Photographs of the persons operating the account

Tax Benefits on Axis Bank Fixed Deposit

This scheme allows you to earn attractive interest rates while availing income tax benefits under Section 80C of the Income Tax Act, 1961. You can invest a minimum of Rs.100 up to Rs.1.5 lakh and choose between reinvesting the interest, or opting for quarterly or monthly payouts. Available to resident individuals and HUFs, the scheme has a 5-year lock-in period.

TDS will be deducted on interest income exceeding Rs.40,000 (Rs.50,000 for senior citizens) per financial year, as per Section 194A 3(i)(a) or Section 195 of the Income Tax Act.

FD Interest Rate Calculator

Use our FD calculator to figure out the returns you can expect based on the deposit you are willing to make.

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  17. Karur Vysya Bank 2025 FD Interest Rates
  18. Union Bank of India 2025 FD Interest Rates
  19. Bank of India 2025 FD Interest Rates
  20. Axis Bank 2025 FD Interest Rates
  21. HDFC Bank 2025 FD Interest Rates
  22. SBI 2025 FD Interest Rates
  23. ICICI 2025 FD Interest Rates
  24. PNB 2025 FD Interest Rates
  25. 2025 FD Interest Rate
  26. SBI FD 2025 Interest Rates for Senior Citizens
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Frequently Asked Questions

How does the Auto Fixed Deposit scheme provide an easy liquidation facility?

The Auto Fixed Deposit scheme allows you to access the account balance via a cheque or ATM card. Further, the account comes with a reverse swept option where the funds in the FD account will be transferred to the linked savings account in the multiples of Rs.5,000 whenever the savings account balance goes below Rs.25,000.

Does the same set of interest rates apply for all Axis FD schemes?

No, the interest rates vary among the different FD schemes offered. For example, the interest rate for the Fixed Deposit scheme is different from the ones for Fixed Deposit Plus scheme. Also, the ones offered to resident Indians may be different from the ones offered for NRIs.

In the case of joint accounts, how is the maturity amount paid?

In the case of joint accounts, the FD certificate is issued jointly to two adults or jointly to one adult and a minor. The maturity amount will be paid to either of the holders or the survivor.

What is the minimum amount required to open a Fixed Deposiot Account in Axis Bank?

Minimum amount required to open a FD account in Axis Bank is Rs. 5000 if done through internet banking, and Rs. 10000 if done through a Bank's branch. 

What is the Highest FD rate in Axis Bank?

The highest FD interest rate offers by Axis Bank is 7.20% p.a. for a tenure of 17 months.

About the Author

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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