Minimum Deposit Amount
- You can start investing with a minimum of ₹1,000 via the Airtel Thanks app using Airtel Finance. This low entry point makes FDs accessible to budget-conscious savers.
Tenure (Lock-in Period) Options
Airtel Finance provides flexible FD durations classified by investment goals:
- Short-Term FDs: Starting from 7 days up to 12 months
- Medium-Term FDs: Between 1 to 3 years
- Long-Term FDs: Above 3 years
These varied tenure options give you flexibility—whether you’re securing emergency funds or planning for long-term returns.
Interest Rate Snapshot (2025 Outlook)
Airtel Finance offers competitive interest rates that differ depending on your tenure and whether you’re a senior citizen:
| Tenure | General Rate (₹) | Senior Citizen Rate (₹) |
|---|---|---|
| 7–45 days | 3.5–4.5% | 4.0–5.0% |
| 46–179 days | 4.5–5.5% | 5.0–6.0% |
| 180–364 days | 5.5–6.5% | 6.0–7.0% |
| 1–2 years | 7.0–7.5% | 7.5–8.0% |
| 2–5 years | 7.25–8.0% | 7.75–8.5% |
Additional facts:
- The maximum rate advertised anywhere on Airtel Finance is up to 8.8%, usually for specific long-term plans.
- Rates may vary by FD amount and applicable promotions or special offers.
Special Features & Flexibility
- Premature Withdrawal: Allowed after just 7 days, providing liquidity if needed.
- 100% Digital Process: Entirely paperless via the Airtel Thanks app. No need to open a new bank account.
- Insurance Safety: Deposits are insured up to ₹5 lakh per depositor under DICGC norms.
- Additional Perks: Senior citizens and women often receive slightly higher interest rates.
Summary: What You Need to Know
- Minimum Deposit: ₹1,000
- Tenure Options:
- Short Term: 7 days – 12 months
- Medium Term: 1 – 3 years
- Long Term: Over 3 years
- Interest Rates: Up to ~8% standard, ~8.5% for seniors, with some plans up to 8.8%
- Additional Features:
- Premature withdrawal after 7 days
- Fully digital workflow
- Government-backed deposit insurance
- Enhanced rates for seniors and women
