INDIANसार्वजनिक क्षेत्र का बैंक
Indian Bank की नवीनतम ब्याज दरें - September 2026
इंडियन बैंक (INDIAN)
1 वर्ष FD: 6.1% बेंचमार्क दर: 7.95%
ब्याज दर सारांश
Indian Bank Interest Rates & Retail Lending Schemes Overview
Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from Indian Bank (INDIAN):
Featured Rates & Retail Loan Schemes:
- Savings Deposit: Base savings account interest rate stands at 2.50% p.a. on balances up to ₹10 Lakh (scaling to 2.60% – 2.80% p.a. on higher balance tiers).
- Domestic Term Deposits (FD): General 1-Year FD interest rate stands at 6.10% p.a. (Senior citizens receive an additional +0.50% at 6.60% p.a.; Super Senior citizens at 6.85% p.a.). Special buckets such as IND Grow (555 Days) and IND Prosper (777 Days) offer peak yields up to 6.65% – 6.80% p.a. for general depositors.
- Home Loans (IB Home Loan): Floating interest rates start from 7.40% p.a. linked to Indian Bank's Repo Linked Benchmark Lending Rate (RBLR at 7.95%), with maximum tenures up to 30 years and zero prepayment charges.
- Vehicle & Personal Loans: Auto financing rates start from 7.55% p.a. (floating) and 8.75% p.a. (fixed) for tenures up to 7 years. Unsecured personal loans start from 9.00% p.a. onwards on a reducing balance basis.
- Credit Cards: Standard retail credit cards (VISA Classic/Gold, RuPay Classic) feature competitive finance charges starting from 1.99% per month (23.88% APR) with an interest-free grace period up to 45 days.
💡 Financial Recommendation: Borrowers should maintain a CIBIL credit score above 750 to qualify for the lowest risk spread under RBLR and access waivers on upfront loan processing charges.
जमा और FD ब्याज दरें - INDIAN
इकाई: % प्रति वर्ष| जमा अवधि | शाखा दर (Branch Rate) | ऑनलाइन / नेटबैंकिंग दर 📱 |
|---|---|---|
| बचत खाता (Savings) | 2.5% | 2.5% |
| 1 महीना | 3% | 3% |
| 3 महीने | 3.25% | 3.25% |
| 6 महीने | 3.85% | 3.85% |
| 12 महीने (मानक ⭐) | 6.1% | 6.1% |
| 24 महीने | 6.15% | 6.15% |
| 36 महीने | 6.05% | 6.05% |
ऋण उत्पाद और ऑफर - INDIAN
ऋण विवरण एवं नियम →होम लोनINDIAN
6.5% /वर्ष
- • अधिकतम अवधि: 20 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 80%
कार लोनINDIAN
6.5% /वर्ष
- • अधिकतम अवधि: 20 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 80%
पर्सनल लोनINDIAN
9% /वर्ष
- • अधिकतम अवधि: 5 वर्ष
गोल्ड लोनINDIAN
8.75% /वर्ष
- • अधिकतम अवधि: 3 वर्ष
- • अधिकतम ऋण सीमा: मूल्य का 75%
एजुकेशन लोनINDIAN
6.5% /वर्ष
- • अधिकतम अवधि: 15 वर्ष
उन्नत ऋण कैलकुलेटर
Indian Bank के लिए लोन ईएमआई (EMI) की गणना करें
INDIAN की 7.95%/वर्ष प्रति वर्ष की ब्याज दर पर मासिक मूलधन और ब्याज का हिसाब लगाएं, विस्तृत पुनर्भुगतान तालिका देखें और एक्सेल डाउनलोड करें।
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