IDFC First Bank Fixed Deposit interest rates · November 2026
What will my FD earn at IDFC First?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days – 29 days |
3.25% | 3.50% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
30 days – 45 days |
3.50% | 3.75% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
46 days – 90 days |
4.50% | 4.75% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
91 days – 180 days |
5.00% | 5.25% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
181 days to 370 days 2 slabs at this rate |
6.50% | 6.75% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
371 days – 499 days |
7.00% | 7.25% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
500 days – 2 years |
7.25% | 7.50% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
2 years 1 day – 3 years |
7.10% | 7.35% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
3 years 1 day – 5 years |
6.75% | 7.00% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
5 years 1 day – 10 years |
6.00% | 6.25% | Below ₹3 crore (retail) | unavailable ✓ verified 13 Nov 2026 | official fetched 19 Sept 2026 |
Compare IDFC First FD returns with other banks
Choose up to five banks. Compare rates and returns across every tenure.
Loading comparison…
See all tenures
IDFC First 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
6.50%Before you book
IDFC First Fixed Deposit: frequently asked questions
What is the highest IDFC First Fixed Deposit interest rate?
As of 14 Nov 2026, IDFC First Bank offers up to 7.25% p.a. on its fixed deposit (FD) (500 days – 2 years) for general customers and 7.50% p.a. (500 days – 2 years) for senior citizens. Rates below are as published by the bank. Confirm with IDFC First before investing.
What is the IDFC First 1-year FD interest rate?
As of 14 Nov 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 (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the IDFC First 2-year FD interest rate?
As of 14 Nov 2026, IDFC First Bank offers 7.25% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the IDFC First 3-year FD interest rate?
As of 14 Nov 2026, IDFC First Bank offers 7.10% p.a. on a 3-year FD for general customers and 7.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the IDFC First 5-year FD interest rate?
As of 14 Nov 2026, IDFC First Bank offers 6.75% p.a. on a 5-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at IDFC First?
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at IDFC First Bank, depending on the tenure.
When did IDFC First last change its Fixed Deposit rates?
RateScan.in has recorded no change to IDFC First Bank's fixed deposit (FD) rates since it started tracking them on 19 Sept 2026.
What fixed deposit (FD) tenures does IDFC First offer?
IDFC First Bank's published fixed deposit (FD) rate table has 11 tenure bands, from “7 days – 29 days” to “5 years 1 day – 10 years”.
Does IDFC First pay more than the Post Office Time Deposit?
IDFC First Bank pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 2y 7.25% (PO 7.00%), 3y 7.10% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does IDFC First's 1-year FD rate rank?
IDFC First Bank's 1-year general FD rate of 6.50% ranks #594 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 IDFC First insured?
Deposits with IDFC First Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these IDFC First rates?
RateScan.in refreshed this dataset on 14 Nov 2026. Rates can change without notice, so verify on the official IDFC First website before investing.
More IDFC First rates
Fixed Deposit rates at other banks
More ways to compare banks
Compare IDFC First with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Compare IDFC First with other banks
See IDFC First FD rates side by side against India's top banks.
Good to know
- Deposits with IDFC First 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.
- IDFC First is a private sector bank regulated by the RBI.
- Senior citizens (60+) earn up to 0.25% p.a. more than general customers at IDFC First, depending on the tenure.
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.
Have feedback?
Tell us what would make RateScan.in more useful. No email required.