Axis Bank FD Calculator, Interest Rate 2025, Eligibility Criteria, and Fixed Deposit Guide

This blog will walk you through the Axis Bank FD Calculator, the latest FD interest rates for 2025, eligibility criteria, and detailed benefits of investing in an Axis Bank Fixed Deposit.

What is a Fixed Deposit?

A Fixed Deposit is a secure investment where you deposit a lump sum amount with the bank for a fixed period. You earn interest on the deposit, and the interest rate is higher than a savings account. At the end of the term, you get your full deposit along with the interest. It’s ideal for people who want guaranteed returns without worrying about market risks.

Types of Axis Bank Fixed Deposits

1. Regular FD    

This is a standard fixed deposit for individuals who want safe, fixed returns. You can choose tenures from 7 days to 10 years and enjoy a steady interest rate. Ideal for conservative investors.

2. Tax Saver FD    

A 5-year fixed deposit that offers tax deductions under Section 80C of the Income Tax Act. You cannot withdraw early, but you benefit from tax savings and guaranteed returns.

3. Senior Citizen FD 

Designed for individuals aged 60 or above, this FD provides 0.50% higher interest than regular rates. It supports better retirement planning and monthly income options.

4. Flexi Deposit 

Combines the benefits of a savings account and a fixed deposit. Extra money in your savings is automatically moved into an FD to earn higher returns while keeping funds accessible.

5. NRE/NRO FD    

For Non-Resident Indians (NRIs), these FDs allow saving in Indian Rupees with attractive interest and tax benefits depending on the account type. Funds are fully repatriable in NRE FDs.    

Axis Bank FD Calculator – How it Helps

The Axis Bank FD Calculator is an online tool that helps you:

• Calculate the maturity amount of your FD
• Know the interest you will earn based on the amount, tenure, and current rates
• Compare different tenures and interest rates before investing

How to Use the FD Calculator:

1. Visit the Axis Bank official website or search “Axis Bank FD Calculator”.
2. Enter the amount you wish to invest.
3. Select the tenure (example: 1 year, 2 years, 5 years).
4. Choose the type of interest payout: cumulative or non-cumulative.
5. The calculator will show your maturity amount and interest earned.
6. This tool is free and helps you plan your savings better without doing manual calculations.

Axis Bank FD Interest Rates 2025

Domestic Fixed Deopists
Maturity Period	General		Senior Citizen
	Less Than 3Crs	3Crs to Less than 5Crs	Less Than 3Crs	3Crs to Less than 5Crs
1year to 1year 10 Days	6.70%	7.05%	7.20%	7.55%
15 Months <2 years	7.25%	7.05%	7.75%	7.55%

Why Invest in a Fixed Deposit (FD)?

Investing in a Fixed Deposit (FD) is a smart choice for anyone looking for safety, steady returns, and peace of mind. Unlike market-linked investments, FDs offer guaranteed interest over a fixed period, with zero risk of losing your money. They're perfect for both short-term and long-term goals, help build disciplined savings habits, and are easy to manage online. Whether you're saving for an emergency, future expenses, or retirement, FDs give you a secure and stable way to grow your money.

Eligibility Criteria to Open an FD in Axis Bank

1. You can open an Axis Bank FD if you fall under any of these categories:

• Indian Resident (18 years and above)
• Senior Citizens (60 years and above)
• Hindu Undivided Families (HUFs)
• Minors (under guardianship)
• NRIs (for NRE/NRO FDs)

2. Documents required:

• Aadhar Card
• PAN Card
• Passport-sized photograph
• Axis Bank account (optional for online FD)

Benefits of Investing in Axis Bank Fixed Deposit

1. Guaranteed Returns with Zero Risk

Axis Bank FDs are completely safe and not linked to the stock market, which means your money is protected from market fluctuations. The return is fixed and guaranteed at the time of deposit. So whether interest rates rise or fall in the market, your returns remain locked in. It’s perfect for risk-averse investors who want peace of mind and predictable growth.

2. Flexible Investment Tenures

Axis Bank allows you to choose FD tenures starting from as short as 7 days to as long as 10 years. This gives you the flexibility to plan short-term or long-term savings. Whether you're saving for a vacation in 6 months or retirement in 10 years, you can choose a term that fits your goals perfectly. You can also reinvest the interest for compounding benefits.

3. Higher Interest for Senior Citizens

If you’re a senior citizen, you get an additional 0.50% interest over regular rates. This extra return helps older investors grow their savings faster and enjoy better financial security in retirement. It’s also a great option for building an emergency fund or getting regular income through non-cumulative interest payouts.

4. Loan Against FD Facility

Axis Bank offers a loan facility against your FD, usually up to 85% of your FD amount. This is very helpful during emergencies. Instead of breaking the FD and losing interest, you can take a low-interest loan and repay it later. It’s a smart way to maintain liquidity while keeping your investment safe and growing.

5. Monthly, Quarterly, or Cumulative Interest Payouts

You can choose how you want to receive your interest. If you need regular income, go for monthly or quarterly payouts. If you want to grow your savings, select the cumulative option where interest is reinvested and paid at maturity. This flexibility makes FDs suitable for both income-seeking and wealth-building investors.

6. Easy Online Access and Management

Axis Bank makes it very easy to open and manage FDs online. If you’re an existing Axis Bank customer, you can book or close FDs through net banking or the mobile app without visiting a branch. You can also track maturity dates, view interest earned, and renew your FD—all from the comfort of your home.