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IDFC First Bank FD interest rates

IDFC First Bank pays 3.25% to 7.1% a year on fixed deposits from 7 days to 10 years, and 3.5% to 7.35% to senior citizens.

  • 6.5%1 year · senior 6.75%
  • 7.1%2 years · senior 7.35%
  • 7.1%3 years · senior 7.35%
  • 6.75%5 years · senior 7%

IDFC First Bank FD rates by tenure

% a year, deposits under ₹3 crore. Calculate opens the FD calculator at the general rate.

TenureGeneralSenior citizensFD calculator
7 days – 29 days3.25%3.5%Calculate
30 days – 45 days3.5%3.75%Calculate
46 days – 90 days4.5%4.75%Calculate
91 days – 180 days5%5.25%Calculate
181 days – less than 1 year6.5%6.75%Calculate
1 year – 370 days6.5%6.75%Calculate
371 days – 499 days7%7.25%Calculate
500 days – 3 years7.1%7.35%Calculate
3 years 1 day – 5 years6.75%7%Calculate
5 years 1 day – 10 years6%6.25%Calculate

As read from IDFC First Bank’s rate page on 5 October 2026; the bank’s rates effective 1 September 2026. Banks can change rates without notice: check the bank’s page before you invest.

What ₹1 lakh comes to at IDFC First Bank

At maturity, interest added every quarter, before tax.

TenureGeneralSenior citizens
1 year₹1,06,660₹1,06,923
2 years₹1,15,114₹1,15,681
3 years₹1,23,508₹1,24,421
5 years₹1,39,750₹1,41,478

Worked out the way the FD calculator does, the method banks use (quarterly compounding). Tax on the interest, and TDS, are on the calculator’s page.

Where these rates come from

IDFC First Bank’s own page

  • Copied by hand from IDFC First Bank’s rate page on 5 October 2026, and checked again every month.
  • "Interest Rates for Domestic / NRO / NRE Fixed Deposits of less than ₹3 Crore w.e.f. 01st September 2026".
  • A bank not checked again for 45 days is marked; after 75 days its rates come down until they are checked again.

What they cover

  • Fixed deposits of resident individuals under ₹3 crore, at the bank’s card rates. Senior citizen rates are as the bank defines them.
  • Banks can change their rates at any time: check the bank’s page or branch before you invest.
  • This page lists rates. It does not recommend a bank or a deposit.
What changed (latest: 5 October 2026)

Changes to the rates on this page, newest first.

    • Rates checked on IDFC First Bank’s page
    • The rates shown here took effect, as IDFC First Bank’s page says

Mistakes we have fixed on any page are listed on Corrections.

Other banks’ FD rates

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