IndiaBanks.org · independent research

Fixed & recurring deposits

Indian Bank Capital Gains Term Deposit

Capital Gains Account Scheme deposit with Deposit A savings and Deposit B cumulative or non-cumulative term-deposit options, ₹1,000 minimum and seven-day to three-year period.

Interest rateRate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.; exact applicable rate must be selected by tenor at booking.Senior-citizen rateIB Tax Saver is eligible for the additional 0.50% p.a. senior-citizen rate. Capital Gains deposits do not receive an additional staff or senior-citizen rate.Tenure / programmeIB Tax Saver Scheme: 5-year lock-in. Capital Gains Term Deposit: 7-day minimum and maximum 3 years; Deposit A is savings and Deposit B is cumulative or non-cumulative term deposit.
Official product page ↗Compare category

Quick eligibility check

Indian Bank Capital Gains Term Deposit

0 of 3 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: rural branches are excluded from accepting these deposits?

2Document checkDo you have this required document or proof: Capital Gains Account Scheme form, PAN, KYC, proof of capital-gains transaction and tax-related documents?

3Document checkDo you have at least one of these required documents: Taxpayers must deposit capital gains or net consideration in an authorised public-sector bank by the applicable income-tax return due date?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Interest rateRate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.; exact applicable rate must be selected by tenor at booking.View source
The live schedule is the controlling source for tenor-specific rates; no single rate is inferred for all deposit products.
Source
Deposit Rates
Page / section
Domestic retail term-deposit table w.e.f. 04.08.2026
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Tenure / programmeIB Tax Saver Scheme: 5-year lock-in. Capital Gains Term Deposit: 7-day minimum and maximum 3 years; Deposit A is savings and Deposit B is cumulative or non-cumulative term deposit.View source
The two official pages publish the tax-saver lock-in and Capital Gains periods/types.
Source
IB Tax Saver Scheme; Capital Gains
Page / section
Period; minimum period; account types
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum / deposit amountIB Tax Saver: ₹1,000 in multiples of ₹100 up to ₹1,50,000. Capital Gains: minimum ₹1,000.View source
The official pages publish the tax-saver range and Capital Gains minimum.
Source
IB Tax Saver Scheme; Capital Gains
Page / section
Min Amt
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Senior-citizen rateIB Tax Saver is eligible for the additional 0.50% p.a. senior-citizen rate. Capital Gains deposits do not receive an additional staff or senior-citizen rate.View source
The scheme pages distinguish the tax-saver premium from the Capital Gains exclusion.
Source
IB Tax Saver Scheme; Capital Gains
Page / section
Other requirements/details
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Withdrawal / refund termsIB Tax Saver: no loan or foreclosure during the five-year lock-in. Capital Gains: withdrawals permitted as prescribed by the scheme; interest payments subject to TDS.View source
The official pages publish the tax-saver lock-in/no-foreclosure rule and Capital Gains withdrawal treatment.
Source
IB Tax Saver Scheme; Capital Gains
Page / section
Other requirements/details
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Payout / redemptionIB Tax Saver interest quarterly, discounted monthly or at maturity. Capital Gains interest method follows ordinary savings or term-deposit accounts; Deposit B may be cumulative or non-cumulative.View source
The official pages publish the payout choices for each scheme.
Source
IB Tax Saver Scheme; Capital Gains
Page / section
Interest application; account types
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Deposit A (savings) and Deposit B (term deposit, cumulative or non-cumulative)
  • Minimum ₹1,000
  • Seven-day minimum and three-year maximum
  • Supports exemption under sections 54(B), 54(D), 54(F) and 54(G) when deposited by the return-filing due date
  • Withdrawal as permitted by scheme rules; nomination available

Eligibility

  • Taxpayers must deposit capital gains or net consideration in an authorised public-sector bank by the applicable income-tax return due date; rural branches are excluded from accepting these deposits.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Capital Gains Account Scheme form, , , proof of capital-gains transaction and tax-related documents

Related official documents

Capital Gains Term Deposits — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗
Deposit Rates — Indian Bankofficial-rate-sheet · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Deposit maturity estimate

See how much the deposit may be worth at the end. You can change the bank's published rate to test another case.

Money at maturity₹1,14,971one lakh fourteen thousand nine hundred seventy-one rupees
Money you put in₹1,00,000one lakh rupees
Interest earned₹14,971fourteen thousand nine hundred seventy-one rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Savings Bank Account · Minimum / limitNil minimum balance; no maximum

This value is copied from Indian Bank accounts and deposits — published terms. Check the table notes before relying on it.

Source: Indian Bank term-deposit catalogue and rate schedule · Savings, fixed, short-term, , VRD, MMD, tax-saver, Capital Gains and deposit-rate pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 6 columnsIndian Bank accounts and deposits — published termsCore account and deposit amounts, tenures, rate rules, withdrawal and access terms from the official pages and current rate schedule.View tableHide table

Scroll sideways to view every column

Indian Bank accounts and deposits — published terms
ProductMinimum / limitTenureInterest / payoutWithdrawal / facilitiesEligibility highlights
Savings Bank AccountNil minimum balance; no maximumOpen-ended2.50%–2.80% p.a. by balance; daily calculation, quarterly credit₹0 non-maintenance charge; 20 free cheque leaves; free RuPay card; 50 free withdrawals/half-year; digital channelsIndividuals, joint holders and listed institutions
Fixed Deposit₹1,000; no maximum6 months–10 yearsQuarterly or discounted monthlyLoan, nomination, automatic renewal and preclosureEligible depositors; senior +0.50% p.a. within published limits
Short Term Deposit₹1,000 + ₹100 multiples; no maximum7–180 daysPaid with principal at maturityRenewal, nomination, preclosure, loan; penalty appliesIndividuals, minors, joint holders, firms, companies, associations
Recurring Deposit₹100 monthly and multiples6 months–normally 10 years; 3-month multiplesQuarterly compounding; maturity/foreclosureLoan, nomination, foreclosure; Eligible resident depositors
Variable Recurring DepositInitial ₹500–₹1 lakh; later up to ₹10 lakh/month3 yearsQuarterly compounding; minimum-balance interest methodLoan, nomination, foreclosure; no penal interest for delayed instalmentsDepositors wanting variable instalments
Money Multiplier Deposit₹1,000 + ₹100 multiples; no maximum6 months–normally 10 yearsQuarterly compoundingEqual-period renewal, loan, nomination, preclosure penaltyEligible term-deposit customers
IB Tax Saver Scheme₹1,000–₹1,50,0005 yearsQuarterly, discounted monthly or maturityNo loan or foreclosure; nominationSection 80C tax-saving deposit
Capital Gains Term Deposit₹1,000 minimum7 days–3 yearsDeposit A savings; Deposit B cumulative/non-cumulative termWithdrawals under scheme rules; ; nominationCapital-gains taxpayers under sections 54(B/D/F/G)
Indian Bank term-deposit catalogue and rate schedule · Savings, fixed, short-term, , VRD, MMD, tax-saver, Capital Gains and deposit-rate pages · accessed 31 Aug 2026Open official source ↗

More from Indian Bank

Related products

Indian Bank FCNR (B) Deposit Account

Foreign Currency Non-Resident deposit in or MMD form, held in the deposit currency with tax-free interest, one- to five-year terms, no stated minimum or maximum and loans subject to margin rules.

View product

Indian Bank Fixed Deposit

Fixed-term deposit from ₹1,000 with no maximum amount, six months to ten years, quarterly or discounted monthly interest, automatic renewal, loan, nomination and preclosure options.

View product

Indian Bank IND Flexi Recurring Deposit — NRE / NRO

Variable-installment / recurring deposit with ₹1,000–₹1,00,000 core deposit, twelve- to 36-month period, flexible multiples and distinct / foreclosure rules.

View product

Indian Bank IB Tax Saver Scheme

Five-year tax-saving fixed or money-multiplier deposit from ₹1,000 to ₹1,50,000, with quarterly or discounted monthly interest, nomination and no loan or foreclosure.

View product