Bank FD Comparison Tool
IDFC First Bank vs Catholic Syrian Bank Fixed Deposit Comparison 2025
Compare Fixed Deposit interest rates, maturity amounts, and features between IDFC First Bank (Private Sector) and Catholic Syrian Bank (Private Sector).
IDFC First
Private Sector
VS
CSB Bank
Private Sector
IDFC First: Min ₹10,000
CSB Bank: Min ₹1,000
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) -IDFC First: % |CSB Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
IDFC First
CSB Bank
Highlighted = Your selected tenure
Feature Comparison
Features | IDFC First Private Sector | CSB Bank Private Sector |
|---|---|---|
Minimum FD Amount | ₹10,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
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
Catholic Syrian Bank
Private Sector Bank
Key Advantages:
Private sector bank established in 1920
Strong presence in Kerala and South India
Competitive interest rates with special 13-month scheme at 6.80%
Digital banking services
Online FD booking facility
Senior citizens get +0.50% additional interest
Note: Rates sourced from third-party aggregator due to website CAPTCHA protection - please verify from official source
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 IDFC First (₹5L) + CSB Bank (₹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 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)
Choose CSB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank established in 1920
- •Strong presence in Kerala and South India
- •Competitive interest rates with special 13-month scheme at 6.80%
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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