Rates verified from official source

IDBI Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, IDBI Bank offers up to 6.55% p.a. on its fixed deposit (FD) (1100 Days) for general customers and 7.05% p.a. (1100 Days) for senior citizens. Rates below are as published by the bank — confirm with IDBI before investing.

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 toAs ofSource
07-30 days
 3.00% 3.50% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
31-45 days
 3.15% 3.65% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
46- 60 days
 4.35% 4.85% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
61- 90 days
 4.60% 5.10% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
91 days to 6 months
 5.35% 5.85% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
6 months 1 day to 270 Days
 5.50% 6.00% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
271 days to < 1 year
 5.80% 6.30% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
1 Year
 6.20% 6.70% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>1 Year to 2 Years (except 555 days & 700 Days)
 6.25% 6.75% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
1 Year
 6.20% 6.70% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>1 Year to 2 Years
 6.25% 6.75% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
555 Days
555-day Special
 6.45% 6.95% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
700 Days
700-day Special
 6.40% 6.90% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
> 2 Years to <3years
 6.50% 7.00% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
> 2 Years to <3years
 6.50% 7.00% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
3 years to <5 years
 6.35% 6.85% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
3 years to <5 years
 6.35% 6.85% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
1100 Days
1100-day Special
 6.55% 7.05% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
1111 Days
1111-day Special
 6.35% 6.85% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
5 years
 6.25% 6.75% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>5 years to 7 years
 5.95% 6.45% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
5 Years
 6.25% 6.75% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
5 years
 6.25% 6.75% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>5 years to 7 years
 5.95% 6.45% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>7 years to 10 years
 5.90% 6.40% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>7 years to 10 years
 5.90% 6.40% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
>10 years to 20 years$
 4.80% 5.30% Below ₹3 crore (retail)
12 Sept 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
Source ↗

IDBI Fixed Deposit: frequently asked questions

What is the highest IDBI Fixed Deposit interest rate?

As of 5 Oct 2026, IDBI Bank offers up to 6.55% p.a. on its fixed deposit (FD) (1100 Days) for general customers and 7.05% p.a. (1100 Days) for senior citizens. Rates below are as published by the bank — confirm with IDBI before investing.

What is the IDBI 1 year FD interest rate?

As of 5 Oct 2026, IDBI Bank offers 6.25% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at IDBI?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at IDBI Bank, depending on the tenure.

Is my fixed deposit (FD) with IDBI insured?

Deposits with IDBI Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these IDBI rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 12 Sept 2026. Rates can change without notice, so verify on the official IDBI website before investing.

More IDBI rates

IDBI overviewIDBI Recurring Deposit ratesIDBI Savings ratesIDBI NRE FD ratesIDBI FCNR(B) rates

Fixed Deposit rates at other banks

Sangli DCCB Fixed Deposit ratesSuryoday Fixed Deposit ratesChitradurga DCC Fixed Deposit ratesKCDCCB Fixed Deposit ratesUtkarsh Fixed Deposit ratesSrikakulam DCCB Fixed Deposit ratesWarangal DCCB Fixed Deposit ratesJSKB Dewas Fixed Deposit ratesJSKB Jhabua Fixed Deposit ratesKhammam DCCB Fixed Deposit ratesBest Fixed Deposit rates across all banks

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 · Ingested 20 Sept 2026 · Verified 5 Oct 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.