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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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Grow Your Savings with Up to 6.50% p.a.
Enjoy zero-fee banking, monthly interest credits and tailored accounts for every need.
Overview
Looking to open a savings account with high interest rates, zero fees, and tailored benefits? IDFC FIRST Bank offers a variety of savings accounts designed to meet diverse financial needs, whether you’re an individual, senior citizen, woman, minor, student, or NRI. Discover the best IDFC FIRST Bank savings account for you with up to 6.50% p.a. interest, monthly interest credits, and seamless digital banking.
Why Choose IDFC FIRST Bank Savings Accounts?
High Interest Rates
Earn up to 6.50% p.a. on your savings.
Zero-Fee Banking
No charges on savings account services like IMPS, NEFT, RTGS, ATM withdrawals, and more.
Monthly Interest Credits
Grow your savings faster with monthly payouts.
Digital Convenience
Open and manage your account online with ease.
Exclusive Benefits
Enjoy debit card offers, insurance, and lounge access.
Types of IDFC FIRST Bank Savings Accounts
Here’s a comprehensive list of IDFC FIRST Bank savings accounts, each crafted for specific customer needs:
Regular Savings Account
A versatile account for everyday banking with premium features.
- ₹10,000 AMB: Complimentary ₹5 lakh Personal Accident Insurance, ₹30 lakh Air Accident Insurance
- ₹25,000 AMB: Complimentary domestic airport lounge access (1/quarter), ₹35 lakh Personal Accident Insurance, ₹1 cr Air Accident Insurance
Corporate Salary Account
A zero-balance account for salaried professionals.
- Free personal accident insurance (up to ₹50 lakh)
- Travel Benefits like Trip Cancellation (up to ₹50,000)
- Complimentary Domestic Lounge Access (2 per quarter)
Senior Citizen Savings Account
Tailored for retirees with exclusive health and banking benefits.
- Free MediBuddy health benefits (1 year)
- Cyber insurance (₹2 lakh)
- Doorstep banking
FIRST Power Savings Account (For Women)
Empowering women with financial independence and rewards.
- Free MediBuddy health benefits (1 year)
- Up to 12% discount on popular brands
- Up to 50% discount on locker rental (1 year)
Minor Savings Account
A savings plan for children operated by guardians or self-operated by minors.
- Minor Savings Account (Under Guardian): For kids below 18
- FIRST Prodigy (Self-Operated): For minors
aged 10-18
Honour FIRST Defence Account
A tribute to Indian armed forces personnel and veterans.
- ₹70 lakh accident cover
- ₹1 crore air accident insurance
- Get higher interest rates of up to 6.50% p.a.
- No minimum balance requirement
NRI Savings Accounts
Savings accounts in Indian Rupees (₹) for Non-Resident Indians (NRIs).
- NRE Savings Account: Tax-exempt in India, repatriable funds
- NRO Savings Account: Manage India-earned income
- Seafarer Savings Account: For seafarers on international marine vessels or oil rigs
Nation FIRST Salary Account
For public sector employees in central/state government roles.
- No minimum balance requirement
- Personal accidental insurance cover of ₹60 lakh
- Air accident cover of up to ₹1 Crore
Auto Sweep Account
Combines savings with fixed deposit benefits.
- Idle funds automatically transferred to a Fixed Deposit
- No penalty for premature FD withdrawal
- Automatic reverse transfer, if account balance falls below ₹25K AMB
Vishesh Savings Account
Open an account with a minimum balance of ₹5,000
- Monthly interest credit on savings
- Free domestic airport lounge access
- Free Personal Accidental Insurance Cover of ₹2 lakh
Pratham Savings Account (BSBDA)
A zero-balance savings account with all the basic balance facilities.
- Monthly interest credit on savings
- RuPay Classic Debit Card
- Quick transactions at any Micro ATM
Diamond Reserve Savings Account
Designed exclusively for those who expect nothing less than the finest.
- Enjoy Monthly Compounding Interest
- Enjoy 0% Forex Markup
- Complimentary Domestic Lounge Access (3 per quarter)
- Dedicated Relationship Manager
IDFC FIRST Bank Savings Account Interest Rates
| On Balances (in ₹) | Rate of Interest (% p.a.) effective from 9th January 2026 |
|---|---|
| <= 1 lac | 3.00% |
| > 1 lac <= 10 lacs | 5.00% |
| > 10 lacs <= 10 crs | 6.50% |
| > 10 crs <= 25 crs | 6.00% |
| > 25 crs <= 100 crs | 5.00% |
| > 100 crs | 4.00% |
Interest will be calculated on progressive balances in each Interest Rate Slab, as applicable
Award-winning digital banking platform
Recognised as the 'Best Digital Bank' for the year 2021-2022 by Financial Express India's Best Banks Awards 2023.
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Enjoy India's #1 Mobile Banking App
Enjoy India's #1 Mobile Banking App
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Frequently Asked Questions (FAQs)
What is the highest interest rate offered by IDFC FIRST Bank?
The highest rate is 6.50% p.a. for balances between ₹10 lakh and < ₹10 crore. For the latest interest rates, please click here.
Are there any fees for savings account services?
No, IDFC FIRST Bank offers zero-fee banking on common services like ATM withdrawals, NEFT, and RTGS. To see the full list of services under zero-fee banking, click here.
Can I open a savings account online?
Yes, use the IDFC FIRST Bank website or app with Aadhaar and PAN for a quick Video KYC process. Click here to open a Savings Account online in 3 steps.
Who is eligible for a minor savings account?
Children below 18 with a guardian (or self-operated for ages 10-18) can open this account. To know more about minor Savings Accounts, click here.
