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Open a Fixed Deposit today and lock in guaranteed returns of up to 7.25% p.a.*

*Up to 7.50% p.a. for Senior Citizens

Each depositor is insured up to ₹5 lakh by DICGC, a subsidiary of the RBI

Calculate Fixed Deposit returns

Deposit amount and payout frequency

₹10K ₹2.99Cr

Enter deposit tenure

yrs

mths

days

7 Days 10 Years

I am a senior citizen (60+ yrs of age)

Interest rate

Maturity value

Indicative monthly interest*

Indicative quarterly interest*

Indicative short term interest*

*Monthly interest payout amount shown is indicative and may be higher/lower based on the actual number of days in the respective month.

*Quarterly interest payout amount shown is indicative and may be higher/lower based on the actual number of days in the respective quarter.

*Interest payout amount shown is indicative and may vary based on the actual number of days in the respective month/quarter.

Book FD now! Book FD now! View all interest rates Disclaimer

Each depositor is insured up to ₹5 lakh by DICGC, a subsidiary of the RBI

Overview
Benefits
FAQS
Blogs

FD Interest Rates 2026

A Fixed Deposit (FD) is a secure and reliable investment option that allows you to earn assured returns on a lump-sum deposit for a chosen tenure. Unlike market-linked investments, FD returns are not affected by market fluctuations, making Fixed Deposits a preferred choice for customers seeking stability, predictability and capital protection.

FD interest rates vary based on factors such as the deposit tenure, customer category, deposit amount and the bank offering the deposit. Customers can choose from a wide range of tenures, typically ranging from 7 days to 10 years, helping them align their investments with their financial goals.

Whether you are building an emergency fund, saving for a future goal, or looking to diversify your savings portfolio, Fixed Deposits provide the confidence of assured returns along with the convenience of flexible tenure and payout options.

At IDFC FIRST Bank, you can choose from a range of FD tenures and competitive interest rates designed to help your savings grow with confidence while offering the safety and certainty of fixed returns.

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Benefits of Fixed Deposits

Your principal amount remains protected from market volatility and earns a fixed interest rate

Flexible Tenures ranging from 7 days to 10 years

Opt for monthly or quarterly interest payouts or receive accumulated interest at maturity

Senior Citizens earn higher interest rates on their FDs

Open your FD instantly in 2 steps on our app

Close your FD anytime during emergencies

Avail Overdraft facility for up to 90% of FD amount at ~2% above FD rate

Deposits are covered under DICGC scheme for up to Rs. 5 lakh per depositor

Additional benefits on Fixed Deposits

• Earn more on your money with best in market interest rates on IDFC FIRST Bank Fixed Deposits.

• Senior citizens earn higher interest rates and no penalty on premature withdrawal on their Fixed Deposits below Rs. 3 crore.

• Choose cumulative / reinvestment FDs to enjoy quarterly compounding benefit on your deposits.

• Alternatively, you may choose monthly or quarterly interest payouts to suit your cash flow needs.

Interest Rates

Interest Rates for Domestic / NRO / NRE Fixed Deposits of less than ₹3 Crore w.e.f. 25^th July 2026*
Note: Senior Citizen rates are not applicable for NRI customers. Minimum tenure for NRE FD is 1 year.
Tenure	Rate of Interest (per annum)
Tenure	General	Senior Citizen
7 days – 29 days	3.25%	3.50%
30 days – 45 days	3.50%	3.75%
46 days – 90 days	4.50%	4.75%
91 days – 180 days	5.00%	5.25%
181 days – less than 1 Year	6.50%	6.75%
1 year – 370 days	6.50%	6.75%
371 days – 499 days	7.00%	7.25%
500 days – 3 years	7.25%	7.50%
3 years 1 day – 5 years	6.75%	7.00%
5 years 1 day – 10 years	6.00%	6.25%

Tax Saver Deposit (Only for Resident customers)	Rate of Interest (per annum) w.e.f. 25th July 2026*
Tax Saver Deposit (Only for Resident customers)	General	Senior Citizen
5 Years	6.75%	7.00%

Green Deposits (Only for Resident customers)	Rate of Interest (per annum) w.e.f. 25th July 2026*
Green Deposits (Only for Resident customers)	General	Senior Citizen
375 days	7.00%	7.25%

Fixed Deposit FAQs

What is a Fixed Deposit?

What is the minimum deposit amount required for opening a Fixed Deposit at the IDFC FIRST Bank Branch?

Can a Fixed Deposit be withdrawn partially and what are the applicable premature withdrawal charges?

What are the benefits of opening a Fixed Deposit Account as a Senior Citizen?

What are the Tax Saver Fixed Deposit features at IDFC FIRST Bank?

What is the maximum amount/limit applicable to avail tax benefits under Section 123 for Tax Saver Deposits?

In case of a joint deposit holding, who can claim tax exemptions under Section 123 of the Income Tax Act?

Is it mandatory to submit my PAN card for booking an FD with IDFC FIRST Bank?

What are the implications of booking a fixed deposit without a PAN card?

Can I add another holder for my FD once the FD is booked?

Can I change the tenure of the FD with IDFC FIRST Bank?

What is the eligibility criterion for a senior citizen to open a Fixed Deposit with IDFC FIRST Bank?

When will the Bank deduct tax on your interest earned?

What is a Sweep-In facility?

What is a Sweep-Out facility?

What is the procedure to enable Sweep-In, for deposits that are booked under the Sweep-Out option? (For Savings Accounts where this option is available)

Can the Sweep-In facility be availed for multiple FDs held with IDFC FIRST Bank?

In case a Sweep-In facility is enabled due to shortfall of funds in the Savings Account, what is the order of deposit breakage for honouring the obligation?

Will both principal and interest be considered for a Sweep-In facility?

Can I prevent TDS on FD interest?

How can I book FDs above ₹ 3 crore with IDFC FIRST Bank?

How is the interest calculated on an FD?

What are the interest rates in case of pre-mature withdrawal of deposits with IDFC FIRST Bank?

What are the interest rates on overdue deposits with IDFC FIRST Bank?

How to choose the right Fixed Deposit?

Why opt for IDFC FIRST Bank’s Fixed Deposits?

Will Tax be deducted from the interest earned or Principal Amount of the FD/s?

What is the limit for total estimated income in a tax year for Form 121 ?

Fixed Deposit Blogs

Top 5 reasons to invest in a fixed deposit

18 Apr 2026 | 3 mins read

Fixed Deposit: Types & How to Choose the right one

11 Nov 2025 | 3 mins read

Factors to Consider When Choosing a Fixed Deposit Scheme

6 factors you should consider while choosing a fixed deposit

11 Nov 2025 | 3 mins read

How Much Monthly Interest Can You Earn on Fixed Deposits?

What is the monthly interest you can earn from your fixed deposit?

11 Nov 2025 | 3 mins read

Visual highlighting the features of fixed deposit accounts

What Is Fixed Deposit and should you have one?

11 Nov 2025 | 3 mins read

Illustration explaining the meaning and features of fixed deposits

What is Fixed Deposit

11 Nov 2025 | 3 mins read

Benefits of tax saving FD under 80C section of Income Tax Act

11 Nov 2025 | 3 mins read

Tax-saver fixed deposit benefits for senior citizens

Why do senior citizens need Tax Saving Fixed Deposit?

11 Nov 2025 | 3 mins read

Know More

IDFC FIRST Bank Mobile App

Drop a ‘Hi 👋’ on 9555 555 555

Call us on 1800 10 888

Locate our nearby

Open a Fixed Deposit today and lock in guaranteed returns of up to 7.25% p.a.*

Overview

Benefits

FAQS

Blogs

FD Interest Rates 2026

Benefits of Fixed Deposits

Your principal amount remains protected from market volatility and earns a fixed interest rate

Flexible Tenures ranging from 7 days to 10 years

Opt for monthly or quarterly interest payouts or receive accumulated interest at maturity

Senior Citizens earn higher interest rates on their FDs

Open your FD instantly in 2 steps on our app

Close your FD anytime during emergencies

Avail Overdraft facility for up to 90% of FD amount at ~2% above FD rate

Deposits are covered under DICGC scheme for up to Rs. 5 lakh per depositor

Additional benefits on Fixed Deposits

Interest Rates

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Fixed Deposit FAQs

What is a Fixed Deposit?

What is the minimum deposit amount required for opening a Fixed Deposit at the IDFC FIRST Bank Branch?

Can a Fixed Deposit be withdrawn partially and what are the applicable premature withdrawal charges?

What are the benefits of opening a Fixed Deposit Account as a Senior Citizen?

What are the Tax Saver Fixed Deposit features at IDFC FIRST Bank?

What is the maximum amount/limit applicable to avail tax benefits under Section 123 for Tax Saver Deposits?

In case of a joint deposit holding, who can claim tax exemptions under Section 123 of the Income Tax Act?

Is it mandatory to submit my PAN card for booking an FD with IDFC FIRST Bank?

What are the implications of booking a fixed deposit without a PAN card?

Can I add another holder for my FD once the FD is booked?

Can I change the tenure of the FD with IDFC FIRST Bank?

What is the eligibility criterion for a senior citizen to open a Fixed Deposit with IDFC FIRST Bank?

When will the Bank deduct tax on your interest earned?

What is a Sweep-In facility?

What is a Sweep-Out facility?

What is the procedure to enable Sweep-In, for deposits that are booked under the Sweep-Out option? (For Savings Accounts where this option is available)

Can the Sweep-In facility be availed for multiple FDs held with IDFC FIRST Bank?

In case a Sweep-In facility is enabled due to shortfall of funds in the Savings Account, what is the order of deposit breakage for honouring the obligation?

Will both principal and interest be considered for a Sweep-In facility?

Can I prevent TDS on FD interest?

How can I book FDs above ₹ 3 crore with IDFC FIRST Bank?

How is the interest calculated on an FD?

What are the interest rates in case of pre-mature withdrawal of deposits with IDFC FIRST Bank?

What are the interest rates on overdue deposits with IDFC FIRST Bank?

How to choose the right Fixed Deposit?

Why opt for IDFC FIRST Bank’s Fixed Deposits?

Will Tax be deducted from the interest earned or Principal Amount of the FD/s?

What is the limit for total estimated income in a tax year for Form 121 ?

Fixed Deposit Blogs

Top 5 reasons to invest in a fixed deposit

Fixed Deposit: Types & How to Choose the right one

6 factors you should consider while choosing a fixed deposit

What is the monthly interest you can earn from your fixed deposit?

What Is Fixed Deposit and should you have one?

What is Fixed Deposit

Benefits of tax saving FD under 80C section of Income Tax Act

Why do senior citizens need Tax Saving Fixed Deposit?

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