As of 5 Oct 2026, IDFC First Bank offers up to 7.10% p.a. on its fixed deposit (FD) (500 days – 3 years) for general customers and 7.35% p.a. (500 days – 3 years) for senior citizens. Rates below are as published by the bank — confirm with IDFC First before investing.
Estimate returns at IDFC First (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
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.
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.
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.
| Tenure | General | Senior | Trend | Applies to | As of | Source |
|---|---|---|---|---|---|---|
7 days – 29 days |
3.25% | 3.50% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
30 days – 45 days |
3.50% | 3.75% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
46 days – 90 days |
4.50% | 4.75% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
91 days – 180 days |
5.00% | 5.25% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
181 days – less than 1 Year |
6.50% | 6.75% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
1 year – 370 days |
6.50% | 6.75% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
371 days – 499 days |
7.00% | 7.25% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
500 days – 3 years |
7.10% | 7.35% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
3 years 1 day – 5 years |
6.75% | 7.00% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
|
5 years 1 day – 10 years |
6.00% | 6.25% | Below ₹3 crore (retail) | 5 Oct 2026 |
official fetched 19 Sept 2026 ✓ verified 5 Oct 2026 |
As of 5 Oct 2026, IDFC First Bank offers up to 7.10% p.a. on its fixed deposit (FD) (500 days – 3 years) for general customers and 7.35% p.a. (500 days – 3 years) for senior citizens. Rates below are as published by the bank — confirm with IDFC First before investing.
As of 5 Oct 2026, IDFC First Bank offers 6.50% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at IDFC First Bank, depending on the tenure.
Deposits with IDFC First Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 5 Oct 2026. Rates can change without notice, so verify on the official IDFC First website before investing.
See IDFC First FD rates side by side against India's top banks.
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.
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.
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