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IDFC FIRST Bank Deposits
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Building a world class bank in India
Guided by ethics, powered by technology and a force for social good
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Select a On a mission to build the world’s most customer friendly bank
Savings Account
Corporate Salary Account NEW
We truly mean it when we say we want to be the most customer-friendly bank
We truly mean it when we say we want to be the most customer-friendly bank
A world-class cutting-edge Corporate Banking Portal with unique industry-first features, such as a single window experience, intelligent report builder capability, and unique online trade regulatory portal
IDFC FIRST Bank recognized for its fairness in service charges on Savings Account by Moneylife Foundation & IIT Bombay
With IDFC FIRST Bank Savings Accounts, interest is credited each month, unlike most other banks that offer quarterly interest pay-outs.
Grow your savings faster with interest rate of up to 6.50% p.a. on balances above ₹10 Lakhs and up to ₹10 Crores.
We offer unlimited free cash transactions at non-home branches, whereas most banks charge between ₹100 and ₹150 per transaction.
Enjoy daily limits of up to ₹2 lakh on ATM withdrawals and up to ₹6 lakh on POS transactions with the ₹25,000 AMB Savings Account variant.
Our dynamic annual percentage rates (APRs) start at 8.5% - 46.2% per annum versus the usual market rates of 42% per annum.
Instead of a fixed catalogue, reward points can be redeemed against your online purchases and select offline purchases, too.
Spend your reward points whenever you like. Unlike most banks, where rewards expire in 2-3 years, most of our credit cards offer reward points that will never expire.
With our credit cards, ATM cash withdrawals attract no interest until the due date, whereas most banks charge interest rates of 42% per annum from the withdrawal date.
Get up to 200% of your fixed deposit as a credit limit, while earning up to 6.75% interest per annum on your fixed deposit. Also, enjoy 0% forex markup on this credit card.
Your complete mobility solution when on the road with Tolling+Fuel+Parking payment capabilities enabled on a single FASTag
Top-up on the go with a few simple WhatsApp clicks. We are the first bank to enable FASTag recharges through WhatsApp Payments
Experience state-of-the-art features such as Google-like search, Personal Finance Management, Customer Service Support, Mutual Fund Investing , ASBA-IPO facility, and much more.
With research-backed curated funds with a forward-looking guidance, AIFs, PMS, paperless Demat Account opening, offshore investment solutions, and more
Convenience at your fingertips with our digital NRI Savings Account which offers monthly interest credits, dedicated relationship manager, one-click Portfolio Investment Scheme’ (PIS) Account opening, ZERO-fee fund transfers, and more!
Enjoy fast processing and competitive interest rates on home loans, business loans, education loans, and car loans tailored to your personal or business needs.
No minimum balance requirement for the first 3 years and unlimited free NEFT, IMPS & RTGS transactions for easy cashflow management
Be part of a uniquely designed startup program that gives you access to mentorship, networking, and fundraising opportunities through a meticulously planned journey
A world-class cutting-edge Corporate Banking Portal with unique industry-first features, such as a single window experience, intelligent report builder capability, and unique online trade regulatory portal
Enjoy many complimentary offers across best-in-class apps for ERP, HRMS, Payroll, Taxation, Legal Advisory, Logistics, Society Management, among others.
The only bank in India to offer Zero Fee Banking on all Savings Account services



Hassle-free financial planning with IDFC FIRST Bank
See interest comparison
We offer higher interest rates compared to other banks with monthly payouts, helping your savings grow faster than other banks.
| Your bank | IDFC FIRST bank | |
|---|---|---|
| Payout cycle | Quarterly | Monthly |
| Int. earned | ₹ 60,678/yr | ₹ 1,23,926/yr |
Interest slabs used for rate comparison:
3.00% p.a. for
<=₹1L
6.50% p.a. for
₹10L - ₹10Crs
All amounts mentioned are average monthly balance amounts.
Disclaimer
Interest you earn with IDFC FIRST Bank is the interest calculated considering monthly interest credit with the power of monthly compounding and on progressive balances in each interest rate slab, as applicable.
Interest you earn with other banks is the interest calculated considering quarterly interest credit (Most universal banks credit savings interest quarterly).
In the spotlight
Get the Power of UPI and earn cashback up to ₹200
Upgrade to FASTag Max and enjoy benefits worth ₹5000*
Avail up to 25% discounts with live screening of T20 matches
Enjoy unsecured loans up to ₹1 crore tailored for Doctors, CAs, and Architects
and ride your dream bike with an instant loan
Our exclusive Savings Account loyalty programme
Shop, compare and choose your perfect car with the best financing options
Get the Power of UPI and earn cashback up to ₹200
Upgrade to FASTag Max and enjoy benefits worth ₹5000*
Avail up to 25% discounts with live screening of T20 matches
Enjoy unsecured loans up to ₹1 crore tailored for Doctors, CAs, and Architects
and ride your dream bike with an instant loan
Our exclusive Savings Account loyalty programme
Shop, compare and choose your perfect car with the best financing options
Recognised as the 'Best Digital Bank' for the year 2021-2022 by Financial Express India's Best Banks Awards 2023.
Enjoy India's #1 Mobile Banking App
Enjoy India's #1 Mobile Banking App
Enjoy India's #1 Mobile Banking App
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But don’t take our word for it, Hear from our customers
"This compliment is about Mr. Hiren Patel, who looks after credit card business in Vadodara and is based at Old padra road branch. He has been exceptional in his response, and speed...." Keval Parmar 12 January 2026
"Mr. Aniket Mithbawkar, Relationship Manager at IDFC Bank, for the outstanding service he provided during my recent interactions with the IDFC services team. Mr. Mithbawkar guided me..." Shri Rath 10 January 2026
"Thank you for not logging out from the app when sim card changed. Thank you for treating the app seperate from the mobile phone's state. I have been saved by the idfc first app so many times as this..." Ankit Yadav 09 January 2026
"I just bough a product from reliance digital store through idfc finance.. idfc representative souren manna is very good at his work. Good experience..." Subrata Kumar Hazra 09 January 2026
"Very happy with the Video KYC services. the agent was helpful and patient with me throughout the call." Akshay Bhatnagar 07 January 2026
"Hey hi idfc first bank your staff rithika had explained very clearly about my requirement and she explained very detailed thank you rithika" Helen Lourd Mary 05 January 2026
"Dear IDFC First Bank Team, I would like to share my positive experience with opening an NRE Savings Account with IDFC First Bank. For the past two years, I had been stressed about how to..." Anirudh Allani 01 January 2026
"Dear IDFC First Bank Team, I would like to share my positive feedback regarding the support provided by your executive Mr. Rohit. Mr. Rohit was very helpful in reminding me about my EMI..." Rahul Singh 28 December 2025
"The latest CIBIL score improvement system by IDFC First Bank is truly inspiring and forward-thinking. It reflects a customer-centric policy that rewards financial discipline..." Chetan Chandrakant Katkar 26 December 2025
"Lovely service, humble employees and superfast account opening. Kudos to my RM for the speedy response and timely resolution of my queries." Rohan Kumar Singh 24 December 2025
A glimpse of IDFC FIRST Bank's testament to excellence
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IDFC FIRST Bank recognized amongst the 'World's Best Banks 2025’ by Forbes in partnership with Statista
IDFC FIRST Bank wins the 'Digital Sourcing & Decisioning Excellence' award at Lentra CNBC-TV18 Digital Lending Summit
Helping our communities grow with us
9.3 Million Beneficiaries
Supported since March 2023
70,000 Villages
Served across the country
9000 Residents
Impacted positively through our Swachh Worli Koliwada program
351 Students
Awarded post-graduate scholarships this year
9.3 Million Beneficiaries
Supported since March 2023
70,000 Villages
Served across the country
9000 Residents
Impacted positively through our Swachh Worli Koliwada program
351 Students
Awarded post-graduate scholarships this year
Disclaimer: With IDFC FIRST Bank Savings Accounts, enjoy Zero Charges on all Savings Account services. These services are being offered free in good faith, and in case of misuse of services, the Bank reserves the right to levy charges. Forex mark-up fee will be applicable on International ATM/POS/Debit card transactions. T&Cs are subject to periodic changes. All rights reserved.
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