Personal Banking

An Ideal account for the experienced and respected senior citizens

  • 0.5% additional interest on Fixed Deposit
  • Insurance and medical discounts

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Indus senior citizen saving account

At IndusInd Bank we believe in making every banking experience convenient and comfortable. Presenting 'Indus Senior' an account specially designed for the senior citizen, which includes special privileges, with an aim to provide complete solace and peace of mind.The Account comes with higher returns on your deposits along with host of services specially crafted for you.

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Features and benefits

Senior citizen account features & benefits

List of features

Indus Senior (Privilege)

  • Free RuPAY Debit Cards
  • Higher interest (0.5% additional) on Fixed deposits

Indus Senior (Maxima)

  • Free Platinum Debit Card
  • Free Add on Accounts for family
  • Higher interest (0.5% additional) on Fixed deposits
  • 20% discount on first year fee of Standard Locker
  • Banking from anywhere in the country /world
  • Host of free services and benefits
Debit Card

Indus Senior (Privilege)

RuPay debit card is available free of charge. It can be used across the country at any Rupay enabled ATM or merchant establishment

Indus Senior (Maxima)

Get the premium Platinum Debit Card with your Indus Maxima Account. The feature rich card offers you maximum benefits.

Happiness has no limits!
For shopping and purchases (online /at merchant establishments): INR 2,00,000/- per day *
For ATM cash withdrawals: INR 1,00,000/- per day*#

What's more, the limits on your card are flexible; you are the one who gets to decide the limits on your card.

*subject to the balance in your account
# In the case of other Bank ATMs, customer has to do multiple transactions due to the different transaction limits set by different banks.

For more details please click here

Group Account Benefits - 2 Add on Accounts Free

Indus Senior (Maxima) offers you the option to open up to add-on accounts FREE for your family members. You also get grouped account benefit, whereby the average balance can be maintained across the 3 accounts together.
Enjoy all the premium benefits on each of the 3 accounts while the balance can be maintained through any or all of the account/s.

Higher Returns

Enjoy 0.5% additional interest on Fixed deposit of all tenors

For interest rate on Fixed deposit Click Here

Locker Fee Discount

Use our Safe deposit lockers to keep your valuables and enjoy peace of mind. Indus senior (Maxima) Account holders are eligible for 20% discount on the first year fee of Standard Locker.

Anywhere Banking

Access your account through any of our branches across India, be it for cash withdrawals/deposits, enquiries or transactions without worrying about extra charges on transactions at non-base branch.
Internet banking and mobile banking allow you to transact on your account without ever leaving the comfort of your home. Download statements, transfer funds, place an FD, request for a demand draft, all at the click of a button!
Get cash picked up/delivered and/ or cheques picked up from your home by signing up for doorstep banking.

Host of Free services and facilities
  • 365 day banking at select branches
  • Free internet and mobile banking service service
  • Free doorstep banking at select locations – Cash/cheque pickup and cash/ demand draft delivery
  • Unlimited Payable at Par (PAP) cheque books
  • Unlimited other bank ATM withdrawals in India and 1 international ATM withdrawal free per month
  • Unlimited pay orders and own bank demand drafts free.1 correspondent bank draft up to Rs. 50,000 free per day
  • Free funds transfer through NEFT or RTGS
  • Free Monthly statements (Physical/ e-statements) for Indus Senior Maxima
  • Platinum Debit Card Free on Add-on account/s

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Senior citizen saving account eligibility

  • Resident Indian (sole or joint Account) above the age of 60 years
  • In case of joint account Senior Citizen has to be the first applicant

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Balance Requirement

Senior citizen saving account balance required*

Indus Senior (Privilege)

Average Monthly Balance of Rs. 10,000 or Fixed Deposit of Rs. 2,50,000

Indus Senior (Maxima)

Average Quarterly Balance Requirement: Rs 20,000/40,000* or Fixed Deposit of Rs. 5,00,000

Note – Indus Senior (Maxima) allows you to open 2 additional Add on accounts for family members and enjoy grouping benefits. The average balance required can be maintained across 3 accounts together.

For further details, kindly refer Schedule of Charges

*Availability of product and varies with Location

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How to Apply

How to apply for senior citizen account

You can open an Indus Senior Account online. Click on the Apply Now button on this page, fill in your details and submit it. We will get back to you for further KYC process. Alternately, you can visit a branch and submit the Savings Account form.


  • An account opening form duly filled
  • One passport size Colour Photograph
  • Initial deposit amount of INR 20,000/- or more for Indus Senior (Privilege) and INR 25,000 pr more for Indus Senior (Maxima). For Add-on accounts initial deposit of INR 2,000 or more
  • PAN card or Form 60/61 where PAN card not available
  • Any one document from each of the following groups:
    • Identity Proof :
      Passport or driving license or Voter's ID or Aadhaar Card
    • Address Proof :
      Passport or driving license or Voter's ID or Aadhaar Card

The above list is indicative. For a more detailed list, please contact your nearest branch or call our contact center.

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Pleased with the insurance cover that comes with the savings account

Two things that made me sign up for the Indus senior citizen savings account. 1 – it gives a personal accident insurance cover and discounts on medical tests. And 2 -the bank let me add 2 accounts free of cost. Besides that, high interest on fixed deposits, free platinum debit card and doorstep banking are other advantages I like.

Reviewer: Reema Mehra, Bhopal, November 14, 2016


Easy to open and operate the account, very convenient

The Indus bank savings account is perfect for an active oldie like me. I applied online and my account was active in 3 days. It is a high interest rate saving accounts for senior citizen with higher returns and many additional benefits like free Platinum Debit Card, free doorstep banking and medical discounts.

Reviewer: Joe Mascarenhas, Chennai, November 13, 2016


Great service, high interest on fixed deposits

I recently retired and was looking for a safe way to keep my hard-earned savings. IndusInd’s special savings account turned out to be a good investment option for a senior citizen like me. They outrank most banks with high interest rate on fixed deposits. So far it has been a pleasant banking experience!

Reviewer: Sheela Kant, Jaipur, November 12, 2016


Very patient and highly trained bank managers

I am new to all this technology, online banking and ATM. IndusInd Bank’s managers very patiently explained how to use the atm machine, how to do online banking and the importance of not sharing pin numbers with others. The senior citizen savings account allows me to download statements and bank from anywhere, now that I have learned online banking.

Reviewer: Ashok Sahoo, Bangalore, November 11, 2016


Happy with the convenience of doorstep banking

I signed up for Indus senior citizen savings account (Privilege) 8 months back. Their bank executive offered to visit my home to explain the features and complete the other formalities, which I accepted. I like the convenience of doorstep banking for depositing cheques, which is one of the best benefits of this account.

Reviewer: NK Singh, Chandigarh, November 10, 2016



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