Rates verified from official source

IDBI Bank
deposit rates

Top FD rate
6.55%
1100 Days · 1100-day Special
Senior citizen FD
7.05%
1100 Days · 1100-day Special
1-year FD rank
#19
of 20 private banks · 6.25%

Overview

www.idbibank.in

IDBI Bank (IDBI) is a private sector bank, headquartered in Mumbai, established in 1964. Its headline 1-year FD rate of 6.25% is −0.23% below the private sector average of 6.48%, ranking #19 of 20 private banks.

Headquarters
Mumbai
Established
1964
Ownership
Private sector bank (majority owned by LIC)
Operates in
All India (nationwide)
Financial health
CRAR
21.37%
Capital adequacy
Net NPA
0.27%
Bad loans (net)
Credit rating CRISIL
AAA
FD / senior bond

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

1-year FD rate
6.25%
−0.23% below the private sector average of 6.48%
Peer rank
#19
of 20 private banks
Recent movement
unchanged

Rates as of 12 Sept 2026, verified from official source. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at IDBI (quarterly compounding)

₹
—

Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 07-30 days: 3.00% 31-45 days: 3.15% 46- 60 days: 4.35% 61- 90 days: 4.60% 91 days to 6 months: 5.35% 6 months 1 day to 270 Days: 5.50% 271 days to < 1 year: 5.80% 1 Year: 6.20% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) >1 Year to 2 Years (except 555 days & 700 Days): 6.25% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 555 Days · 555-day Special: 6.45% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 700 Days · 700-day Special: 6.40% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) > 2 Years to <3years: 6.50% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to <5 years: 6.35% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 1100 Days · 1100-day Special: 6.55% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 1111 Days · 1111-day Special: 6.35% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years: 6.25% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >5 years to 7 years: 5.95% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >7 years to 10 years: 5.90% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >10 years to 20 years$: 4.80% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d1m2m2m3m6m9m1y1y555d700d2y3y1100d1111d5y5y7y10y General Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

3%4%5%6%7% 07-30 days: 3.50% (General: 3.00%) 31-45 days: 3.65% (General: 3.15%) 46- 60 days: 4.85% (General: 4.35%) 61- 90 days: 5.10% (General: 4.60%) 91 days to 6 months: 5.85% (General: 5.35%) 6 months 1 day to 270 Days: 6.00% (General: 5.50%) 271 days to < 1 year: 6.30% (General: 5.80%) 1 Year: 6.70% (General: 6.20%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) >1 Year to 2 Years (except 555 days & 700 Days): 6.75% (General: 6.25%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 555 Days · 555-day Special: 6.95% (General: 6.45%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 700 Days · 700-day Special: 6.90% (General: 6.40%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) > 2 Years to <3years: 7.00% (General: 6.50%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to <5 years: 6.85% (General: 6.35%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 1100 Days · 1100-day Special: 7.05% (General: 6.55%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 1111 Days · 1111-day Special: 6.85% (General: 6.35%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years: 6.75% (General: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >5 years to 7 years: 6.45% (General: 5.95%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >7 years to 10 years: 6.40% (General: 5.90%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >10 years to 20 years$: 5.30% (General: 4.80%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d1m2m2m3m6m9m1y1y555d700d2y3y1100d1111d5y5y7y10y Senior General Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

No additional super-senior premium — showing Senior rates.

3%4%5%6%7% 07-30 days: 3.50% (Senior: 3.50%) 31-45 days: 3.65% (Senior: 3.65%) 46- 60 days: 4.85% (Senior: 4.85%) 61- 90 days: 5.10% (Senior: 5.10%) 91 days to 6 months: 5.85% (Senior: 5.85%) 6 months 1 day to 270 Days: 6.00% (Senior: 6.00%) 271 days to < 1 year: 6.30% (Senior: 6.30%) 1 Year: 6.70% (Senior: 6.70%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) >1 Year to 2 Years (except 555 days & 700 Days): 6.75% (Senior: 6.75%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 555 Days · 555-day Special: 6.95% (Senior: 6.95%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 700 Days · 700-day Special: 6.90% (Senior: 6.90%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) > 2 Years to <3years: 7.00% (Senior: 7.00%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to <5 years: 6.85% (Senior: 6.85%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 1100 Days · 1100-day Special: 7.05% (Senior: 7.05%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 1111 Days · 1111-day Special: 6.85% (Senior: 6.85%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >5 years to 7 years: 6.45% (Senior: 6.45%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >7 years to 10 years: 6.40% (Senior: 6.40%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) >10 years to 20 years$: 5.30% (Senior: 5.30%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d1m2m2m3m6m9m1y1y555d700d2y3y1100d1111d5y5y7y10y Senior Senior Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

TenureGeneralSeniorTrendApplies to
07-30 days
 3.00% 3.50% Below ₹3 crore (retail)
31-45 days
 3.15% 3.65% Below ₹3 crore (retail)
46- 60 days
 4.35% 4.85% Below ₹3 crore (retail)
61- 90 days
 4.60% 5.10% Below ₹3 crore (retail)
91 days to 6 months
 5.35% 5.85% Below ₹3 crore (retail)
6 months 1 day to 270 Days
 5.50% 6.00% Below ₹3 crore (retail)
271 days to < 1 year
 5.80% 6.30% Below ₹3 crore (retail)
1 Year
 6.20% 6.70% Below ₹3 crore (retail)
>1 Year to 2 Years (except 555 days & 700 Days)
 6.25% 6.75% Below ₹3 crore (retail)
1 Year
 6.20% 6.70% Below ₹3 crore (retail)
>1 Year to 2 Years
 6.25% 6.75% Below ₹3 crore (retail)
555 Days
555-day Special
 6.45% 6.95% Below ₹3 crore (retail)
700 Days
700-day Special
 6.40% 6.90% Below ₹3 crore (retail)
> 2 Years to <3years
 6.50% 7.00% Below ₹3 crore (retail)
> 2 Years to <3years
 6.50% 7.00% Below ₹3 crore (retail)
3 years to <5 years
 6.35% 6.85% Below ₹3 crore (retail)
3 years to <5 years
 6.35% 6.85% Below ₹3 crore (retail)
1100 Days
1100-day Special
 6.55% 7.05% Below ₹3 crore (retail)
1111 Days
1111-day Special
 6.35% 6.85% Below ₹3 crore (retail)
5 years
 6.25% 6.75% Below ₹3 crore (retail)
>5 years to 7 years
 5.95% 6.45% Below ₹3 crore (retail)
5 Years
 6.25% 6.75% Below ₹3 crore (retail)
5 years
 6.25% 6.75% Below ₹3 crore (retail)
>5 years to 7 years
 5.95% 6.45% Below ₹3 crore (retail)
>7 years to 10 years
 5.90% 6.40% Below ₹3 crore (retail)
>7 years to 10 years
 5.90% 6.40% Below ₹3 crore (retail)
>10 years to 20 years$
 4.80% 5.30% Below ₹3 crore (retail)
Source ↗

Recurring Deposit rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
1 Year
 6.20% 6.70% Any amount
>1 Year to 2 Years (except 555 days & 700 Days)
 6.25% 6.75% Any amount
1 Year
 6.20% 6.70% Any amount
>1 Year to 2 Years
 6.25% 6.75% Any amount
> 2 Years to <3years
 6.50% 7.00% Any amount
> 2 Years to <3years
 6.50% 7.00% Any amount
3 years to <5 years
 6.35% 6.85% Any amount
3 years to <5 years
 6.35% 6.85% Any amount
5 years
 6.25% 6.75% Any amount
>5 years to 7 years
 5.95% 6.45% Any amount
5 Years
 6.25% 6.75% Any amount
5 years
 6.25% 6.75% Any amount
>5 years to 7 years
 5.95% 6.45% Any amount
>7 years to 10 years
 5.90% 6.40% Any amount
>7 years to 10 years
 5.90% 6.40% Any amount
>10 years to 20 years$
 4.80% 5.30% Any amount
Source ↗

Good to know

Deposits with IDBI Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.

official Effective 12 Sept 2026 · Verified 25 Sept 2026 · View source

Informational only — always confirm the current rate on the official IDBI website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.