Rates from aggregated sources

IDFC First Bank
deposit rates

Top FD rate
7.10%
500 days – 3 years
Senior citizen FD
7.35%
500 days – 3 years
1-year FD rank
#9
of 20 private banks · 6.50%

Overview

www.idfcfirstbank.com

IDFC First Bank (IDFC First) is a private sector bank, headquartered in Mumbai, established in 2015. Its headline 1-year FD rate of 6.50% is +0.03% above the private sector average of 6.47%, ranking #9 of 20 private banks.

Headquarters
Mumbai
Established
2015
Branches
~900 approx.
Ownership
Private sector bank (publicly listed)
Operates in
All India (nationwide)

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
16.11%
Capital adequacy
Net NPA
0.58%
Bad loans (net)
Credit rating CRISIL
AA
FD / senior bond

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

1-year FD rate
6.50%
+0.03% above the private sector average of 6.47%
Peer rank
#9
of 20 private banks
Recent movement
unchanged

Rates as of 26 Sept 2026, verified from aggregated sources. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at IDFC First (quarterly compounding)

₹
—

Fixed Deposit rates

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

3%4%5%6%7% 7 days – 29 days: 3.25% 30 days – 45 days: 3.50% 46 days – 90 days: 4.50% 91 days – 180 days: 5.00% 181 days – less than 1 Year: 6.50% 1 year – 370 days: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 371 days – 499 days: 7.00% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 500 days – 3 years: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 3 years 1 day – 5 years: 6.75% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years 1 day – 10 years: 6.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d1m2m3m6m1y371d500d1096d1826d 3.253.504.505.006.506.507.007.106.756.00 General Post Office TD

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% 7 days – 29 days: 3.50% (General: 3.25%) 30 days – 45 days: 3.75% (General: 3.50%) 46 days – 90 days: 4.75% (General: 4.50%) 91 days – 180 days: 5.25% (General: 5.00%) 181 days – less than 1 Year: 6.75% (General: 6.50%) 1 year – 370 days: 6.75% (General: 6.50%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 371 days – 499 days: 7.25% (General: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 500 days – 3 years: 7.35% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 3 years 1 day – 5 years: 7.00% (General: 6.75%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years 1 day – 10 years: 6.25% (General: 6.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d1m2m3m6m1y371d500d1096d1826d 3.503.754.755.256.756.757.257.357.006.25 Senior General Post Office TD

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% 7 days – 29 days: 3.50% (Senior: 3.50%) 30 days – 45 days: 3.75% (Senior: 3.75%) 46 days – 90 days: 4.75% (Senior: 4.75%) 91 days – 180 days: 5.25% (Senior: 5.25%) 181 days – less than 1 Year: 6.75% (Senior: 6.75%) 1 year – 370 days: 6.75% (Senior: 6.75%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 371 days – 499 days: 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 500 days – 3 years: 7.35% (Senior: 7.35%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 3 years 1 day – 5 years: 7.00% (Senior: 7.00%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years 1 day – 10 years: 6.25% (Senior: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d1m2m3m6m1y371d500d1096d1826d 3.503.754.755.256.756.757.257.357.006.25 Senior Senior Post Office TD

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
7 days – 29 days
 3.25% 3.50% Below ₹3 crore (retail)
30 days – 45 days
 3.50% 3.75% Below ₹3 crore (retail)
46 days – 90 days
 4.50% 4.75% Below ₹3 crore (retail)
91 days – 180 days
 5.00% 5.25% Below ₹3 crore (retail)
181 days – less than 1 Year
 6.50% 6.75% Below ₹3 crore (retail)
1 year – 370 days
 6.50% 6.75% Below ₹3 crore (retail)
371 days – 499 days
 7.00% 7.25% Below ₹3 crore (retail)
500 days – 3 years
 7.10% 7.35% Below ₹3 crore (retail)
3 years 1 day – 5 years
 6.75% 7.00% Below ₹3 crore (retail)
5 years 1 day – 10 years
 6.00% 6.25% 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 – 370 days
 6.50% 6.75% Any amount
371 days – 499 days
 7.00% 7.25% Any amount
500 days – 3 years
 7.10% 7.35% Any amount
3 years 1 day – 5 years
 6.75% 7.00% Any amount
5 years 1 day – 10 years
 6.00% 6.25% Any amount
Source ↗

Good to know

Deposits with IDFC First 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.

aggregator Effective 26 Sept 2026 · Verified 26 Sept 2026 · View source

Informational only — always confirm the current rate on the official IDFC First 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.