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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Get BRAVO Auto-Sweep for your Current Account
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BRAVO Facility – Current Account with Auto Sweep FD & 6.50% p.a.* Interest
BRAVO is a unique feature where you can set up an Auto-sweep into Fixed Deposit (FD) on select Current Account Variants, without any penalty on premature FD breakage. While maintaining full liquidity, it allows businesses to earn FD-level interest. IDFC FIRST Bank is India’s first and only bank to offer this as a feature for new accounts opened, and even for existing customers on select variants.
How does the BRAVO feature benefit your business? It ensures that idle funds earn higher returns daily while remaining instantly accessible. The feature combines liquidity, flexibility, and higher yield, making it especially useful for MSMEs, startups, and professional firms managing working capital.
Read more
How does the BRAVO feature benefit your business?
It ensures that idle funds earn higher returns daily while remaining instantly accessible. The feature combines liquidity, flexibility, and higher yield, making it especially useful for MSMEs, startups, and professional firms managing working capital.Our current accounts cater to businesses of all sizes and support high- volume transactions, seamless payments, and easy cash management. Whether you are opening a current account for the first time or switching banks, you can begin your application for a current account online. At IDFC FIRST Bank, opening a current account online is fast, secure, and hassle-free, with transparent charges for current accounts, powerful digital banking tools, and fast onboarding. Read more
Key highlights of BRAVO at a glance
No penalty on premature FD withdrawal
Auto-sweep from Current Account to FD
Interest up to 6.50% p.a.*
Daily sweep-in and sweep-out functionality
₹1 precision breakage for optimal returns
Who is this for?
MSMEs With Predictable Surplus Cash
Manufacturers, distributors, exporters, etc., who keep ₹5 lakh+ in their current account and want it to auto move to FD with no penalty.
Professional & service firms
CAs, consultants, IT, legal, and creative agencies that need instant access to cash but want surplus to earn FD like interest automatically.
Startups & VC Funded Companies
Startups that maintain large cash buffers (₹5 lakh+) and want those funds to earn maximum interest daily without hurting liquidity.
How BRAVO helps different business types
Business Type
Typical Challenge
How BRAVO Helps
1
MSMEs
Idle cash in current account
Auto-converts surplus into FDs for higher returns
2
Professional firms
Need liquidity + returns
Maintains instant access while earning FD interest
3
Startups
Large cash buffers
Maximises returns without locking funds
Why Choose BRAVO feature
Complete flexibility to set auto-convert fund limits above ₹5 Lakhs
Excess balance above your chosen threshold (minimum ₹5 lakh) is invested daily in FDs to generate higher returns.
Earn interest of up to 6.50% p.a.* on a FD tenure of 370 Days
Earn up to 6.50% p.a.* on surplus funds with auto sweep of surplus funds into a 370 day FDs, boosting returns while keeping liquidity intact.
FD breakage will not attract any penalty on withdrawal
Sweep-ins automatically replenish your current account balance when it drops below your threshold, without any penalty on premature withdrawal.
FD breakage will be in units of ₹1 to give you maximum benefit
Sweep-ins occur in ₹1 units, ensuring only the exact amount needed is withdrawn, hence preserving the remaining amount to earn FD interest.
Complete flexibility to set auto-convert fund limits above ₹5 Lakhs
Excess balance above your chosen threshold (minimum ₹5 lakh) is invested daily in FDs to generate higher returns.
FD breakage will not attract any penalty on withdrawal
Sweep‑ins automatically replenish your current‑account balance when it drops below your threshold, without any penalty on premature withdrawal.
Earn interest of up to 6.50% p.a. on a FD tenure of 370 Days
Earn up to 6.50% p.a. on surplus funds with auto‑sweep of surplus funds into a 370‑day FDs, boosting returns while keeping liquidity intact.
FD breakage will be in units of ₹1 to give you maximum benefit
Sweep‑ins occur in ₹1 units, ensuring only the exact amount needed is withdrawn, hence preserving the remaining amount to earn FD interest.
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BRAVO vs Traditional Current Account vs Fixed Deposit
Feature
BRAVO
Current Account
Fixed Deposit
1
Liquidity
High
Very High
Low (locked-in)
2
Returns
Up to 6.50% p.a.*
Nil
High
3
Premature withdrawal penalty
No
Not applicable
Yes
4
Ideal for
Businesses with surplus funds
Transactions
Long-term savings
Current Accounts Tailored for your business needs with BRAVO Enablement
Startup Current Account
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Dynamic TASC Current Account
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WBA Platinum Current Account
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AMB = Average Monthly Balance
How it works
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1
Log in to your net banking account or mobile app and choose any amount above ₹5 Lakhs as threshold for auto-sweep to a FD.
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FD will break only when Current Account balance goes below ₹5 Lakhs
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Earn interest of up to 6.50% p.a.* on a FD tenure of 370 days
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FD breakage will not attract any penalty on withdrawal
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Balance above the set threshold move into a FD on daily basis in multiples of ₹1000
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FD breakage will be in units of ₹1 to give you maximum benefit
Why should you use BRAVO?
BRAVO is ideal if you want your business funds to earn higher returns without compromising liquidity. It eliminates the trade-off between accessibility and earnings by automatically managing surplus funds—making it a smart solution for modern businesses.
Quick answers about BRAVO
Is BRAVO automatic?
Yes, once activated, it works daily without manual intervention
Is there any penalty?
No, there is zero penalty on premature FD breakage
Can I access funds anytime?
Yes, funds are instantly available if the Current Account balance falls below ₹5 Lakhs.
DISCLAIMER
* The applicable Fixed Deposit (FD) rates are notified on the website and are subject to change from time to time. The interest rate mentioned herein is applicable as on date for the deposits having 370 days tenure. The depositors shall ascertain the FD rates on the value date of FD. In case of pre-closure of FD, applicable bucket rate as per tenure will apply.
Frequently Asked Questions
- All
- About BRAVO
- Eligibility
- Setup
- FD Details
- Statements
All
About BRAVO
Eligibility
Setup
FD Details
Statements
What is BRAVO?
BRAVO is a unique feature offered by IDFC FIRST Bank that allows you to manage your funds efficiently. It combines the flexibility of a Current Account with the benefits of a Fixed Deposit (FD). This a feature that allows you to automatically convert your current account balance above the set threshold amount move into a 370 days Fixed Deposit on a daily basis in multiple of Rs. 1000 thereby earning you an interest of 6.50% p.a. *
Who can opt for BRAVO feature?
Customers with Platinum Current Account, WBA Platinum Current Account, Startup Current Account and Dynamic TASC Current Account only can opt for BRAVO. Existing customers can avail this facility by converting their account to Platinum Current Account if existing account is not a part of the above-mentioned variants.
How can I setup BRAVO feature in my current account?
BRAVO setup can be done at the time of account opening for new customers,. For existing customers, it can be done post account opening by raising a request at branch or customer can setup this feature online through net-banking.
What will be the tenure for which the FD (Fixed Deposit) will be booked?
The Fixed Deposit will be booked for a tenure of 370 days. Post maturity, FD will be auto renewed for the tenure of 370 days.
When will the FD (Fixed Deposit) get created?
The FD will be created when the balance in the Current Account exceeds the set threshold limit. FD will be created at the beginning of the day (BOD) for maximum amount of up to ₹3 Crore*.
*In case FD requirement is more than ₹3 Crore, please visit your nearest IDFC First Bank Branch
When will the FD (Fixed Deposit) break?
The FD will only break when the balance in Current Account falls below ₹5 Lakhs. This will ensure maximum possible returns to our customer. In case of multiple FDs, the last FD will be broken first.
If the FD is broken before 370 days, what interest rate would be applicable?
In case of pre-closure of FD, applicable bucket rate as per tenure and as on date of FD booking will apply. No premature penalty will be charged.
How can I access my account statement along with BRAVO details?
You can access the consolidated (CA & FD) statement every month through your registered email ID. The statement can also be downloaded through net-banking or you can visit the branch to avail the same.
