Get Up to 6.45% FD Returns On 15 Months To 10 Yrs! Axis Bank Releases New FD Rates Effective From Today

For amounts under Rs 3 Cr, Axis Bank has revised its fixed deposit interest rates. According to the bank's official website, the new FD rates go into effect on January 3, 2026. With effect from today, Axis Bank has updated its fixed deposit (FD) interest rates, providing the general public with up to 6.45% annually for terms ranging from 15 months to 10 years. The rates, which may reach 7.20% for the same long-term tenures, are much more alluring for senior citizens.

Axis Bank FD Rates For Non-Senior Citizens

On fixed deposits maturing in 7 - 29 days, the bank is offering an interest rate of 3% and on those maturing in 30 - 45 days, Axis Bank is offering an interest rate of 3.25%. Axis Bank is offering an interest rate of 4.00% on FDs maturing in 46 to 87 days and 4.50% on FDs with terms ranging from 88 days to 6 months.

Maturity Period	General (Less than ₹3 Cr)	General (₹3 Cr to ₹5 Cr)	Senior Citizens (Less than ₹3 Cr)	Senior Citizens (₹3 Cr to ₹5 Cr)
7 - 14 days	3	3.75	3.5	4.25
15 - 29 days	3	3.75	3.5	4.25
30 - 45 days	3.25	4.25	3.75	4.75
46 - 60 days	4	4.5	4.5	5
61 - 87 days	4	4.5	4.5	5
88 days - 3 months 24 days	4.5	4.5	5	5
3 months 25 days to 4 months	4.5	4.25	5	4.75
4 months to 6 months	4.5	5.7	5	6.2
6 months to 9 months	5.5	5.75	6	6.25
9 months to 1 year	5.75	5.95	6.25	6.45
1 year to 1 year 10 days	6.25	6.15	6.75	6.65
1 year 11 days to 13 months	6.25	6.15	6.75	6.65
13 months to 15 months	6.25	6.15	6.75	6.65
15 months to 18 months	6.45	6.5	6.95	7
18 months to 2 years	6.45	6.6	6.95	7.1
2 years to 3 years	6.45	6.6	6.95	7.1
3 years to 5 years	6.45	6.6	6.95	7.1
5 years to 10 years	6.45	6.6	7.2	7.35
w.e.f 03rd January 2026. Source: Bank Website

Axis Bank is currently offering an interest rate of 5.50% on fixed deposits that mature in six to nine months and 5.75% on those that mature in nine to one year. For FDs with a duration of one year to fifteen months, Axis Bank offers an interest rate of 6.25%; for those with a duration of fifteen months to ten years, the rate is 6.45%.

Axis Bank FD Rates For Senior Citizens

In comparison to the standard rates available to the general public, elderly individuals often receive an additional 0.50% to 0.75% interest. Tenure options for the fixed deposits range from seven days to ten years. For deposits under Rs 3 crore, Axis Bank senior citizen Fixed Deposit (FD) interest rates vary from 3.50% to 7.20% annually, with the highest rate available for terms of five to ten years. Senior citizens can receive an interest rate of up to 7.20% annually on a five-year tax-saving FD. An FD can be opened for as little as Rs 5,000 online and Rs 10,000 in a branch.

Note: Without having an existing Axis Bank savings account, you can start a "Digital FD" through the mobile app in just a few minutes. The Auto Fixed Deposit links your savings account to an FD for individuals whose cash flow fluctuates. It automatically transfers excess funds over Rs 25,000 to earn higher interest while keeping the money available for checks or ATM withdrawals.

You can keep your money with Axis Bank for a set period of time, from seven days to ten years. Investors have the option of receiving interest payments on a monthly, quarterly, or maturity (reinvestment) basis. The Tax Saver FD is the ideal option if lowering your taxable income is your main objective. Under Section 80C of the Income Tax Act, it provides deductions of up to Rs 1.5 lakh. However, there is an obligatory 5-year lock-in period, which means that until the term is up, you cannot take out a loan or withdraw the funds.