IDBI Bank Fixed Deposit interest rates · November 2026
What will my FD earn at IDBI?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
07-30 days |
3.00% | 3.50% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
31-45 days |
3.15% | 3.65% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
46- 60 days |
4.35% | 4.85% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
61- 90 days |
4.60% | 5.10% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
91 days to 6 months |
5.35% | 5.85% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
6 months 1 day to 270 Days |
5.50% | 6.00% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
271 days to < 1 year |
5.80% | 6.30% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
1 Year |
6.20% | 6.70% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
>1 Year to 2 Years (except 555 days & 700 Days) |
6.25% | 6.75% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
555 Days 555-day Special |
6.45% | 6.95% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
700 Days 700-day Special |
6.40% | 6.90% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
> 2 Years to <3years |
6.50% | 7.00% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
3 years to <5 years |
6.35% | 6.85% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
1100 Days 1100-day Special |
6.55% | 7.05% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
1111 Days 1111-day Special |
6.35% | 6.85% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
5 years |
6.25% | 6.75% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
>5 years to 7 years |
5.95% | 6.45% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
>7 years to 10 years |
5.90% | 6.40% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
>10 years to 20 years$ |
4.80% | 5.30% | Below ₹3 crore (retail) | 18 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
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IDBI FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.25%Before you book
IDBI Fixed Deposit: frequently asked questions
What is the highest IDBI Fixed Deposit interest rate?
As of 14 Nov 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 3-year FD interest rate?
As of 14 Nov 2026, IDBI Bank offers 6.35% p.a. on a 3-year FD for general customers and 6.85% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
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.
When did IDBI last change its Fixed Deposit rates?
RateScan.in has recorded no change to IDBI Bank's fixed deposit (FD) rates since it started tracking them on 20 Sept 2026.
What fixed deposit (FD) tenures does IDBI offer?
IDBI Bank's published fixed deposit (FD) rate table has 15 tenure bands, from “07-30 days” to “>10 years to 20 years$”.
Does IDBI have special fixed deposit (FD) schemes?
IDBI Bank's rate table lists these named schemes (4): 555-day Special; 700-day Special; 1100-day Special; 1111-day Special. Check eligibility and end dates with the bank.
How does IDBI's 1-year FD rate rank?
IDBI Bank's 1-year general FD rate of 6.25% ranks #739 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
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 14 Nov 2026; the bank's rates shown here are effective 18 Aug 2025. Rates can change without notice, so verify on the official IDBI website before investing.
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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.
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