IDFC First Bank offers competitive rates on retail FDs. For deposits below ₹3 crore, general customers could earn 3.00 %–7.90 % per annum around mid‑2025, with senior citizens receiving up to 8.40 %. The highest rate of 7.90 % applied to the 400–500 days tenor.
IDFC First Bank FD Rates (Deposits <₹3 Crore)
| Tenure | General rate | Senior citizen rate |
|---|---|---|
| 7 days – 90 days | 3.00 %–4.50 % | +0.50 % |
| 181 days – 1 year | 5.75 % | 6.25 % |
| 400 days – 500 days | 7.90 % | 8.40 % |
| 501 days – <3 years | 7.25 % | 7.75 % |
| 3 years – 10 years | 7.00 % | 7.50 % |
IDFC First Bank also offers higher rates on bulk deposits and a separate super senior citizen rate for those aged 80 years and above. Confirm rates with the bank before booking.
