With the beginning of the new year, many investors are once again looking for safe and reliable investment options.
Fixed Deposits (FDs) continue to remain a popular choice, especially for those who prefer guaranteed returns.
In this article, we explain how you can earn fixed interest of up to ₹22,420 by depositing ₹1 lakh in an FD scheme offered by Indian Bank.
Although the Reserve Bank of India (RBI) reduced the repo rate by 1.25 percent in 2025, leading to lower loan and deposit interest rates, fixed deposits are still providing decent returns for conservative investors.
Indian Bank FD Interest Rates You Should Know
Indian Bank, a public sector bank, is currently offering competitive interest rates on fixed deposits.
Customers can open FDs for periods ranging from 7 days to 10 years.
The bank is offering interest rates between 2.80 percent and 7.20 percent, depending on the tenure and the age of the depositor.
The highest interest rate is available under the bank’s special 444-day FD scheme.
Under this scheme, general customers earn 6.45 percent interest, senior citizens get 6.95 percent, while very senior citizens receive up to 7.20 percent interest.
How ₹1 Lakh Can Grow Into ₹1,22,420
Indian Bank is also offering attractive rates on its 3-year fixed deposit scheme.
For this tenure, general customers earn an interest rate of 6.05 percent, senior citizens receive 6.55 percent, and super senior citizens are offered 6.80 percent.
If a general customer deposits ₹1,00,000 in a 3-year FD, the maturity amount will be ₹1,19,739, which includes ₹19,739 as fixed interest.
Senior citizens investing the same amount will receive ₹1,21,520 at maturity, earning ₹21,520 as interest.
Super senior citizens will benefit the most, receiving a total of ₹1,22,420 after three years, which includes fixed interest of ₹22,420.
For investors seeking stable returns with minimal risk, Indian Bank’s fixed deposit schemes continue to be a dependable investment option in the current interest rate environment.