The latest Axis Bank FD rates in 2026 offer up to 6.50% p.a. for regular citizens and 7.20% p.a. for senior citizens, depending on the tenure. These Axis Bank FD rates apply to deposits ranging from 7 days to 10 years, making them suitable for both short- and long-term investment goals.

Axis Bank provides competitive and flexible fixed deposit options, with FD rates varying based on tenure and deposit amount. Senior citizens enjoy an additional benefit of interest rates up to 0.50% to 0.75% higher, making it an attractive option for retirement planning.

Axis Bank FD Interest Rates 2026 Highlights

• Highest Axis Bank FD rates (General): 6.45%
• Highest Axis Bank FD rates (Senior Citizens): 7.20%
• Latest Axis Bank FD rates range: 3.00% – 6.60%
• Tenure: 7 days to 10 years
• Senior Citizen Benefit: Extra 0.50% to 0.75%

Axis Bank FD Interest Rates for Deposits of ₹3 crore to less than ₹5 crore

Axis bank offers competitve FD rates for deposits of Rs. 3 crore to less than Rs. 5 crore for both general and senior citizens as of 3 march 2026-

Axis Bank FD Plus Interest Rates for Deposits of ₹3 crore to less than ₹5 crore

Axis bank FD plus revised competitve rates for deposits of Rs. 3 crore to less than Rs. 5 crore as of 3 march 2026-

Axis Bank NRE and NRO Fixed Deposit Interest Rates Below 3 Crore

Types of Axis Bank Fixed Deposit Schemes

Axis bank offers several fixed deposit options that are mentioned below-

Auto Fixed Deposits

This FD scheme by Axis Bank is for those who would like to earn better interest rates on their bank balance. This is how it works, when the balance in your Axis Bank savings account exceeds ₹25000, the auto fixed deposit feature transfers money in multiples of ₹5000 to a fixed deposit spanning 6 months to 5 years (as opted for). The auto fixed deposit by Axis bank is available for existing Axis Bank savings account holders.

Fixed Deposit Plus

Axis Bank Fixed Deposit Plus is suitable for those who want to invest higher amounts of money. The minimum deposit amount is ₹3 crore, and there is no upper limit. You can choose to open FD plus by Axis Bank from a period of 30 days to 10 years with an option to select simple interest and compound interest.

A resident Indian, NRI, HUF, Sole Proprietorship firms, partnership firms, limited companies, trusts can open Axis Bank Fixed Deposit Plus.

Tax-Saver Fixed Deposit

This is a 5-year tax saver fixed deposit scheme with a lock in period of 5 years. Your minimum investment starts from ₹100 going up to ₹150000. This FD is crucial if you want to claim tax exemption under Section 80C. Those who choose this FD also have an option of choosing monthly or quarterly payouts.

Digital Fixed Deposit

The digital FD by Axis Bank is a revolutionary deposit scheme that helps consumers open FD accounts in 7 minutes completely online. You don’t need an account with Axis Bank. The investment starts at ₹5000. The Digital FD scheme is available for Indian residents of 18+ years age who have aadhaar linked mobile number. 

Term-Wise Axis Bank Fixed Deposit Rates

The term-wise Axis Bank fixed deposit rates for FD amounts below ₹3 crore are as follows:

• Long-term: Axis Bank's long-term FD for a tenure between 5 years to 10 years offers 6.45% to general citizens and 7.20% to senior citizens. Thus, senior citizens get a 0.75% higher interest rate in the long term.
• Medium-term: The medium-term FD in Axis Bank has a tenure between 1 year to 5 years with interest rates between 6.25% and 6.45% for regular citizens. Axis Bank provides 6.75% to 6.95% for senior citizens for this tenure. 
• Short-term: Axis Bank's short-term FD ranges between 7 days to less than 1 year. The interest rate for regular citizens is 3.00% to 6.25% while for senior citizens is 3.50% to 6.25%.

If a senior citizen books an FD of ₹5,00,000 at 7.20% for 10 years, he will receive an interest of ₹5,02,116 and the maturity value will be ₹10,02,116. Thus, at the given interest rate, he/she can double his money in 10 years.

To double your money faster, book an FD with up to a 8.00% interest rate with Stable Money now!

Benefits of Axis Bank Fixed Deposit Rates

Axis Bank fixed deposits offer stable returns, flexible tenures, and secure investment options, making them suitable for both short-term and long-term financial planning needs.

• Competitive Interest Rates: Axis Bank FD rates offer up to 6.60% for regular investors and higher returns for seniors, ensuring stable earnings compared to many traditional savings options.
• Higher Returns for Senior Citizens: Senior citizens earn an additional 0.50% to 0.75% above regular Axis Bank FD rates, helping them generate higher income and greater financial security during retirement.
• Flexible Interest Payout Options: Investors can choose monthly, quarterly, or cumulative payout options, allowing flexibility in managing cash flow and aligning returns with personal financial requirements.
• Quarterly Compounding Benefit: Axis Bank applies quarterly compounding to deposits with maturities of more than 6 months, increasing overall returns and helping investors maximise earnings over the chosen FD tenure.
• Safe and Reliable Investment: Axis Bank FDs offer capital safety and assured returns, making them a trusted option for conservative investors seeking low-risk financial growth.
• Wide Tenure Range: Axis Bank FD rates are available for tenures ranging from 7 days to 10 years, offering flexibility to match different investment horizons and financial goals.

Eligibility to Avail Axis Bank Fixed Deposit Rates

To avail Axis Bank FD interest rates you need to belong to the following categories:

• Resident Indians, which includes minors under guardianship
• Hindu Undivided Families (HUF)
• Sole proprietorship firms
• Joint stock companies
• Partnership firms
• Trusts

Documents Required to Get Axis Bank Fixed Deposit Rates

How to Open an Axis Bank Fixed Deposit?

You can open an FD using online or offline methods depending on whether you are an existing or new customer.

1. Online Method (Existing Customers)

• Login to Axis Bank net banking or mobile app using your credentials to securely access your account and start the fixed deposit booking process.
• Navigate to the deposits section, select fixed deposit option, and choose the type of FD you want to open based on your financial goals.
• Enter investment amount, tenure, interest payout option, and nominee details carefully to ensure correct FD setup as per your investment preference.
• Review all entered details, confirm the transaction, and your FD will be created instantly with amount debited from your linked savings account.

2. Digital FD (For New Customers)

• Visit the official Axis Bank digital FD page and begin the process by entering your PAN and Aadhaar details for identity verification.
• Complete the quick video KYC process as instructed to verify your identity without visiting the bank branch physically.
• Enter FD amount, tenure, and personal details, then choose your preferred interest payout option as per your financial needs.
• Fund your FD using UPI or net banking from any bank account, and your fixed deposit will be successfully created online.

3. Offline Method (Branch Visit)

• Visit your nearest Axis Bank branch and request a fixed deposit application form from the bank representative to begin the process.
• Fill in the application form with accurate personal, nominee, and investment details to avoid any issues during FD processing.
• Submit required KYC documents along with recent photographs and verify your identity as per bank guidelines at the branch.
• Deposit the FD amount via cheque, cash, or bank transfer and collect your fixed deposit receipt as proof of successful investment.

Premature Withdrawal of Axis Bank FD

Axis Bank levies a penalty of 1% on the applicable interest rate, on premature fixed deposit liquidation. In addition, the bank allows partial premature withdrawal of up to 25% of the principal amount without any penalty on the effective interest rate. 

Tax on Axis Bank Fixed Deposit Interest

Axis Bank offers tax-saving FD wherein the minimum and maximum deposit amounts are ₹100 and ₹1.5 lakh. This FD allows you to save tax up to ₹1.5 lakh every financial year under Section 80C of the Income Tax Act. 

Notably, interest from fixed deposits is taxable across all banks in India including Axis Bank. A TDS (Tax Deducted at Source) applies when the annual interest in a financial year exceeds ₹50,000 or ₹1,00,000 for general or senior citizens respectively. 

If you provide PAN card details, the applicable TDS rate is 10%, otherwise it is 20%. You can avoid TDS deduction by the bank by submitting form 15G (general citizens) or 15H (senior citizens) as applicable. 

Axis Bank Overdraft Against Fixed Deposit

Axis bank offers an overdraft facility of up to 85% of the fixed deposit amount. Customers need to pay interest on the amount utilized and not the full amount.

Axis Bank FD Interest Calculator

Calculate Axis Bank fixed deposit returns using the Axis bank FD Calculator which is given below:

Why Should You Book Fixed Deposits with Stable Money?

Stable Money allows you to book multiple fixed deposits with leading banks and NBFCs without opening a savings account. In addition, you can avail high interest rates with the Stable Money-partnered banks and NBFCs. You can book an FD from any location by comparing the FD rates of different banks under a single platform.