Bank FD Comparison Tool
DCB Bank vs IDFC First Bank Fixed Deposit Comparison 2025
Compare Fixed Deposit interest rates, maturity amounts, and features between DCB Bank (Private Sector) and IDFC First Bank (Private Sector).
DCB Bank
Private Sector
VS
IDFC First
Private Sector
DCB Bank: Min ₹1,000
IDFC First: Min ₹10,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹10,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -DCB Bank: % |IDFC First: %
Side-by-Side Rate Comparison
Direct comparison of general rates
DCB Bank
IDFC First
Highlighted = Your selected tenure
Feature Comparison
Features | DCB Bank Private Sector | IDFC First Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹10,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 0.5% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
DCB Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Tax Saver FD with 5-year lock-in period
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits less than ₹3 Crore
Interest compounded quarterly
Rates effective from December 11, 2025
Special rates for 37-38 months and 60-61 months tenures
IDFC First Bank
Private Sector Bank
Key Advantages:
Private sector bank with digital-first approach
Competitive FD rates up to 7.5% for senior citizens
Premium rates on select tenures (450 days - 2 years)
No penalty on premature RD closure for senior citizens
No penalty for missing RD installments
Senior citizens get +0.50% additional interest
Online account opening and FD booking
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between DCB Bank (₹5L) + IDFC First (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose DCB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
Choose IDFC First If:
- •Minimum amount: ₹10,000
- •Private Sector banking preference
- •Private sector bank with digital-first approach
- •Competitive FD rates up to 7.5% for senior citizens
- •Premium rates on select tenures (450 days - 2 years)
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
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