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IDFC FIRST Bank fixed deposit rates: Check FD returns for general and senior citizens
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4 min read | Updated on February 23, 2026, 07:45 IST
SUMMARY
IDFC FIRST Bank fixed deposit rates: Senior citizens are eligible for an additional 0.50% interest per annum over and above the applicable rates for general citizens on deposits below ₹3 crore.
IDFC FIRST Bank FD rates: For one-year deposits, customers can earn 6.30% per annum. | Image: Shutterstock.
IDFC FIRST Bank fixed deposit rates: IDFC FIRST Bank has announced revised fixed deposit interest rates for deposits below ₹3 crore, effective November 4, 2025. The bank is offering competitive returns across multiple tenures, catering to both short-term and long-term investors.
IDFC FIRST Bank latest FD rates for general citizens
For general citizens, interest rates begin at 3.00% per annum for deposits with tenures ranging from 7 to 45 days. Deposits placed for 46 to 90 days will earn 4.00% per annum, while those between 91 and 180 days will receive 4.50% per annum.
For tenures of 181 days to less than one year, the bank is offering 5.50% per annum.
The bank is offering 7.00% per annum for deposits from 450 days up to two years, as well as for deposits from two years and one day up to five years. For long-term deposits ranging from five years and one day to ten years, the interest rate stands at 6.00% per annum.
| Tenure | Interest Rate (p.a.) |
|---|---|
| 7 – 45 days | 3.00% |
| 46 – 90 days | 4.00% |
| 91 – 180 days | 4.50% |
| 181 days – < 1 year | 5.50% |
| 1 year | 6.30% |
| 1 year 1 day – 370 days | 6.30% |
| 371 – 449 days | 6.50% |
| 450 days – 2 years | 7.00% |
| 2 years 1 day – 5 years | 7.00% |
| 5 years 1 day – 10 years | 6.00% |
IDFC FIRST Bank latest FD rates for seniors citizens
Senior citizens are eligible for an additional 0.50% interest per annum over and above the applicable rates for general citizens on deposits below ₹3 crore. This additional benefit enhances overall returns, particularly for those opting for medium- to long-term tenures.
| Tenure | Interest Rate (p.a.) |
|---|---|
| 7 – 45 days | 3.50% |
| 46 – 90 days | 4.50% |
| 91 – 180 days | 5.00% |
| 181 days – < 1 year | 6.00% |
| 1 year | 6.80% |
| 1 year 1 day – 370 days | 6.80% |
| 371 – 449 days | 7.00% |
| 450 days – 2 years | 7.50% |
| 2 years 1 day – 5 years | 7.50% |
| 5 years 1 day – 10 years | 6.50% |
IDFC First Bank discloses Rs 590 cr fraud by employees in Haryana govt accounts
In a regulatory filing made in the wee hours, IDFC First Bank said it has disclosed the matter to the banking regulator and also filed a police complaint.
"Prima facie, unauthorised and fraudulent activities have been carried out by certain employees at a particular branch in Chandigarh in a specific set of Haryana state government accounts and potentially involving other individuals/entities/counterparties," the IDFC First Bank filing said.
The bank’s disclosure comes even as it reported strong financial performance for the quarter ended December 31, 2025. During the three months, the lender posted a 24 per cent increase in deposits, including a 33 per cent rise in the share of low-cost current and savings account (CASA) deposits.
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