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  • IDFC Fixed Deposit Rates

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  • IDFC Bank is one of the most established commercial banks of the country. Fixed Deposits (FDs) or Term Deposits are one of the most important investment products offered by the bank. The interest rates for FDs range within 4.00% p.a. to 7.25% p.a.

    Best IDFC Bank FD Rates

    Tenure

    Regular FD rates p.a.

    Senior Citizens FD rates p.a.

    7 days to 15 days

    4.00%

    4.50%

    15 days to 1 month

    5.00%

    5.50%

    1 month to 46 days

    6.25%

    6.75%

    46 days to 2 months 1 day

    6.50%

    7.00%

    2 months 1 day to 3 months

    6.50%

    7.00%

    3 months 1 day to 6 months

    6.75%

    7.25%

    6 months 1 day to 12 months

    7.00%

    7.50%

    12 months 1 day to 730 days

    7.75%

    8.25%

    731 days

    8.25%

    8.75%

    Above 731 days to 60 months

    7.50%

    8.00%

    Above 60 months to 120 months

    7.25%

    7.75%

    *The IDFC Bank FD rates tend to change at the discretion of the bank. The rates given here are valid as of 6 March 2019.

    * Above rates are for deposits under Rs. 2 crore

    More
    IDFC FD Rates
     and 2 other FDs
    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 8% Quarterly Compounding
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.6% Monthly compounding
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.72% - 8.65% Monthly compounding
    Features
    Highlights
    Documents
    Good to Know
    Minimum and Maximum IDFC Bank fd interest rates 2019 for Regular and Senior Citizen
    IDFC Bank FD Rates

    IDFC Bank Short-term FD Rates

    • Highest rate of interest: 7.00% p.a.
    • Range of maturities: 7 days to 1 year

    IDFC Bank Medium-term Deposit Rates

    • Tenure range: 1 year to 5 years

    IDFC Bank Long-term Fixed Deposit Rates

    • Period of deposit: Above 5 years to 10 years

    IDFC Bank Term Deposit Rate For Senior Citizens

    • Highest FD rate for senior citizens: 8.75% p.a.
    • Interest rates available: 4.50% p.a. to 8.75% p.a.

    IDFC Bank Tax Saver Fixed Deposit Rates

    Tenure bracket Regular FD rates (per annum) Senior Citizens FD rates (per annum)

    60 months

    7.75%

    8.25%

    *The IDFC Bank Tax Saver FD rates tend to change at the discretion of the bank. The rates given here are valid as of 6 March 2019.

    IDFC Bank Term Deposit Rates: Rs.2 Crore to Rs.5 Crore

    Tenure bracket Regular FD rates (per annum) Senior Citizens FD rates (per annum)

    7 days to 15 days

    4.00%

    4.50%

    15 days to 1 month

    5.00%

    5.50%

    1 month to 46 days

    6.25%

    6.75%

    46 days to 2 months 1 day

    6.50%

    7.00%

    2 months 1 day to 3 months

    6.50%

    7.00%

    3 months 1 day to 6 months

    6.75%

    7.25%

    6 months 1 day to 9 months

    7.00%

    7.50%

    9 months 1 day to 12 months

    7.00%

    7.50%

    12 months 1 day to 400 days

    7.75%

    8.25%

    Above 400 days to 540 days

    7.75%

    8.25%

    Above 541 days to 730 days

    7.75%

    8.25%

    731 days

    8.25%

    8.75%

    Above 731 days to 1095 days

    7.50%

    8.00%

    Above 36 months to 60 months

    7.50%

    8.00%

    Above 60 months to 96 months

    7.25%

    7.75%

    Above 96 months to 120 months

    7.25%

    7.75%

    *The IDFC Bank FD rates tend to change at the discretion of the bank. The rates given here are valid as of 6 March 2019.

    IDFC Bank Fixed Deposit Interest Rates: Above Rs.5 Crore to Rs.10 Crore

    Tenure bracket Regular FD rates (per annum) Senior Citizens FD rates (per annum)

    7 days to 15 days

    4.00%

    4.50%

    15 days to 1 month

    5.00%

    5.50%

    1 month to 46 days

    6.25%

    6.75%

    46 days to 2 months 1 day

    6.50%

    7.00%

    2 months 1 day to 3 months

    6.50%

    7.00%

    3 months 1 day to 6 months

    6.75%

    7.25%

    6 months 1 day to 9 months

    7.00%

    7.50%

    9 months 1 day to 12 months

    7.00%

    7.50%

    12 months 1 day to 400 days

    7.75%

    8.25%

    Above 400 days to 540 days

    7.75%

    8.25%

    Above 541 days to 730 days

    7.75%

    8.25%

    731 days

    8.25%

    8.75%

    Above 731 days to 1095 days

    7.50%

    8.00%

    Above 36 months to 60 months

    7.50%

    8.00%

    Above 60 months to 96 months

    7.25%

    7.75%

    Above 96 months to 120 months

    7.25%

    7.75%

    *The IDFC Bank FD rates tend to change at the discretion of the bank. The rates given here are valid as of 6 March 2019.

    IDFC Bank FD Interest Rates: Above Rs.10 Crore to Rs.15 Crore

    Tenure bracket Regular FD rates (per annum) Senior Citizens FD rates (per annum)

    7 days to 15 days

    4.00%

    4.50%

    15 days to 1 month

    5.00%

    5.50%

    1 month to 46 days

    6.25%

    6.75%

    46 days to 2 months 1 day

    6.50%

    7.00%

    2 months 1 day to 3 months

    6.50%

    7.00%

    3 months 1 day to 6 months

    6.75%

    7.25%

    6 months 1 day to 9 months

    7.00%

    7.50%

    9 months 1 day to 12 months

    7.00%

    7.50%

    12 months 1 day to 400 days

    7.75%

    8.25%

    Above 400 days to 540 days

    7.75%

    8.25%

    Above 541 days to 730 days

    7.75%

    8.25%

    731 days

    8.25%

    8.75%

    Above 731 days to 1095 days

    7.50%

    8.00%

    Above 36 months to 60 months

    7.50%

    8.00%

    Above 60 months to 96 months

    7.25%

    7.75%

    Above 96 months to 120 months

    7.25%

    7.75%

    *The IDFC Bank FD rates tend to change at the discretion of the bank. The rates given here are valid as of 6 March 2019.

    IDFC Bank Term Deposit Interest Rates: Above 15 Crore to Rs.25 Crore

    Tenure bracket Regular FD rates (per annum) Senior Citizens FD rates (per annum)

    7 days to 15 days

    4.00%

    4.50%

    15 days to 1 month

    5.00%

    5.50%

    1 month to 46 days

    6.25%

    6.75%

    46 days to 2 months 1 day

    6.50%

    7.00%

    2 months 1 day to 3 months

    6.50%

    7.00%

    3 months 1 day to 6 months

    6.75%

    7.25%

    6 months 1 day to 9 months

    7.00%

    7.50%

    9 months 1 day to 12 months

    7.00%

    7.50%

    12 months 1 day to 400 days

    7.75%

    8.25%

    Above 400 days to 540 days

    7.75%

    8.25%

    Above 541 days to 730 days

    7.75%

    8.25%

    731 days

    8.25%

    8.75%

    Above 731 days to 1095 days

    7.50%

    8.00%

    Above 36 months to 60 months

    7.50%

    8.00%

    Above 60 months to 96 months

    7.25%

    7.75%

    Above 96 months to 120 months

    7.25%

    7.75%

    *The IDFC Bank FD rates tend to change at the discretion of the bank. The rates given here are valid as of 6 March 2019.

    How is the Interest Income Calculated for IDFC Bank FD Schemes?

    • The interest income for FDs with a tenure up to 6 months is calculated as Simple Interest.
    • In case of maturities above 6 months, the interest is compounded every quarter.

    How Does The IDFC Bank FD Calculator Work?

    You can use the Fixed Deposit Calculator to check the value of returns and interest income for a given FD scheme.

    Follow these steps to use the calculator:

    • Visit the IDFC Bank website and click on ‘Personal Banking’.
    • Select the ‘Deposits’ tab and choose ‘Fixed Deposits’.
    • Click on ‘FD Calculator’.
    • Based on your age, select ‘Yes’ or ‘No’ under the ‘Senior Citizen’ tab.
    • Enter the deposit amount.
    • Select the type of FD.
    • Choose a tenure between 7 days and 10 years.
    • You can find the ‘Maturity Amount’ and ‘Total Interest’ on a column on the right.

    IDFC Bank NRI FD Rates

    A Non to Resident Indian (NRI) can open a Fixed Deposit account to boost their savings. IDFC Bank offers the following NRI Term Deposit schemes:

    • Foreign Currency Non to Resident (Bank) Term Deposit scheme (FCNR (B))
    • Non to Resident External (NRE) Fixed Deposit scheme
    • Non to Resident Ordinary (NRO) Deposit scheme

    Highlights of IDFC Bank NRI Fixed Deposit Rates

    • Highest NRE FD interest rate: 8.25% p.a.
    • Maximum NRO FD rate: 8.25% p.a.
    • Highest FCNR (B) Term Deposit rates:
      • Singapore Dollar (SGD): 2.75% p.a.
      • Pound Sterling (GBP): 2.00% p.a.
      • Australian Dollar (AUD): 3.00% p.a.
      • US Dollar (USD): 4.15% p.a.
      • Euro (EUR): 0.40% p.a.

    IDFC Bank NRO Fixed Deposit rates: Less than Rs.2 crore

    Tenure bracket Regular NRO FD rates (per annum) Senior Citizens FD rates (per annum)

    7 days to 15 days

    4.00%

    N/A

    15 days to 30 days

    5.00%

    N/A

    30 days to 46 days

    6.25%

    N/A

    46 days to 61 days

    6.50%

    N/A

    61 days to 91 days

    6.50%

    N/A

    91 days to 181 days

    6.75%

    N/A

    181 days to 271 days

    7.00%

    N/A

    271 days to 366 days

    7.00%

    N/A

    366 days to 401 days

    7.75%

    N/A

    401 days to 541 days

    7.75%

    N/A

    541 days to 731 days

    7.75%

    N/A

    731 days

    8.25%

    N/A

    732 days to 1096 days

    7.50%

    N/A

    36 months 1 day to 60 months

    7.50%

    N/A

    60 months 1 day to 96 months

    7.25%

    N/A

    96 months 1 day to 120 months

    7.25%

    N/A

    *The IDFC Bank NRO Term Deposit rates tend to vary at the discretion of the bank. The rates of interest given here are valid as of 22 March 2019.

    IDFC Bank NRE Term Deposit rates: Below Rs.2 crore

    Tenure bracket Regular NRE FD rates (per annum) Senior Citizens FD rates (per annum)

    1 year

    7.00%

    N/A

    1 year 1 day to 401 days

    7.75%

    N/A

    401 days to 541 days

    7.75%

    N/A

    541 days to 731 days

    7.75%

    N/A

    731 days

    8.25%

    N/A

    732 days to 1096 days

    7.50%

    N/A

    36 months 1 day to 60 months

    7.50%

    N/A

    60 months 1 day to 96 months

    7.25%

    N/A

    96 months 1 day to 120 months

    7.25%

    N/A

    *The IDFC Bank NRO Fixed Deposit rates tend to vary at the discretion of the bank. The rates of interest given here are valid as of 22 March 2019.

    IDFC Bank FCNR (B) FD interest rates

    Tenure
    IDFC Bank FCNR (B) FD rates (per annum)
    SGD EUR USD GBP AUD

    12 months to 24 months

    2.75%

    0.30%

    4.05%

    1.85%

    3.00%

    24 months to 36 months

    N/A

    0.40%

    4.15%

    2.00%

    N/A

    36 months to 48 months

    N/A

    N/A

    3.90%

    N/A

    N/A

    48 months to 60 months

    N/A

    N/A

    3.90%

    N/A

    N/A

    60 months

    N/A

    N/A

    3.90%

    N/A

    N/A

    *The IDFC Bank FCNR (B) FD rates tend to vary at the discretion of the bank. The rates of interest given here are valid as of 22 March 2019.

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    IDFC FD Rates Reviews

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