IDBI Bank Interest Rates November 2026: FD, RD & Savings

IDBI FD rates

1 year6.25%Senior 6.75%3 years6.35%Senior 6.85%5 years6.25%Senior 6.75%

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What will my FD earn at IDBI?

Deposit amount (₹)

Term

Customer

Estimated value after 1 year · before tax ₹5,31,990 6.25% p.a. · ₹31,990 interest · quarterly compounding

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Monthly deposit (₹)

Term

Customer

—

Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

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 #739 of 1033 banks on RateScan.in.

Headquarters

Mumbai

Established

1964

Monitored since

20 Sept 2026

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 ICRA, CRISIL, India Ratings

AA

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

Rates verified from official source. Scheduled private sector bank: deposits insured by DICGC up to ₹5,00,000.

RBI record

Every RBI press release since 1 Jan 2024 that names IDBI Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

2 May 2025

RBI fined the bank ₹31.80 lakh
RBI's reason: “for non-compliance with certain directions issued by RBI on ‘lnterest Subvention Scheme for Short Term Loans for Agriculture and Allied Activities availed through Kisan Credit Card (KCC)’”
What RBI found
“The bank charged interest in excess of applicable rate of interest in certain KCC accounts.”
RBI says: “This action is based on deficiencies in statutory and regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
RBI press release 2025-2026/241

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

2,462 branches in 552 districts

Most branches: Pune 84, Mumbai 77, Delhi 64

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

IDBI rates

Every rate, tenure by tenure, and what your money grows to.

Fixed Deposit6.55%Senior citizens 7.05% · 1100 daysSee rates →Recurring Deposit6.50%> 2 years to <3yearsSee rates →Savings Account2.60%See rates →NRE Fixed Deposit6.50%> 2 years to < 3 yearsSee rates →FCNR(B) Deposit4.55%1 year < 2 years · USDSee rates →

Compare IDBI FD rates with banks near you →

IDBI Fixed Deposit rate changes

Changes to IDBI's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to IDBI's fixed deposit (FD) rates has been recorded since tracking started on 20 Sept 2026.

Credit rating

What independent credit rating agencies say about IDBI Bank. Every rating links to the document it comes from, so you can check it yourself.

AA

Headline rating

Fixed deposits · ICRA, CRISIL, India Ratings · Rating watch (developing)

High safety: very low credit risk

Latest rating action: 26 Oct 2026

Agency	Instrument	Rating	Outlook	Published	Source
ICRA	Fixed deposits Placed on Rating Watch with Developing Implications	AA	Rating watch (developing)	Placed on watch 26 Oct 2026	Exchange filing
CRISIL	Fixed deposits Placed on Rating Watch with Positive Implications after the Government cleared Fairfax Financial Holdings to buy a 60.72% stake (announced 14 Oct 2026). Previously AA+/Stable on FDs.	AA	Rating watch (positive)	Placed on watch 23 Oct 2026	Exchange filing
India Ratings	Fixed deposits	AA	Stable	Reaffirmed 19 Sept 2026	Exchange filing

Note: Earlier versions of this page showed AAA. IDBI's ratings are in transition: CRISIL and ICRA placed them on rating watch in the last week of October 2026.

How to read these ratings

Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

Deposits with IDBI Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
IDBI is a private sector bank regulated by the RBI.
Senior citizens (60+) earn up to 0.50% p.a. more than general customers at IDBI, depending on the tenure.
IDBI's FD table includes 4 special schemes; check eligibility and end dates.

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.

IDBI Bank interest rates · November 2026