IDFC First Bank Interest Rates & Financial Calculators
Compare FD, RD, and loan rates with our calculators
Complete guide to IDFC First Bank interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
Best FD Rate
7.5%
Home Loan Rate
8.5%
Bank Type
private
Last Updated
Nov 2025
Latest IDFC First Interest Rates
Deposits (FD & RD) Interest Rates
IDFC First Bank Fixed Deposit Rates
Latest IDFC First Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type/Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 - 14 days | 3% | 3.5% |
15 - 29 days | 3% | 3.5% |
30 - 45 days | 3% | 3.5% |
46 - 90 days | 4% | 4.5% |
91 - 180 days | 4.5% | 5% |
181 days – less than 1 year | 5.5% | 6% |
1 year | 6.3% | 6.8% |
1 year 1 day– 370 days | 6.3% | 6.8% |
371 days to 449 days | 6.5% | 7% |
450 days to 2 years | 7% | 7.5% |
2 years 1 day – 5 years | 7% | 7.5% |
5 years 1 day – 10 years | 6% | 6.5% |
IDFC First Bank Recurring Deposit Rates
Latest IDFC First Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type/Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
6 months | 4.5% | 5% |
9 months | 5.5% | 6% |
12 months | 6.3% | 6.8% |
24 months | 7% | 7.5% |
36 months | 7% | 7.5% |
IDFC First Calculators & Tools
Loan Interest Rates
IDFC First Bank Loan Interest Rates
Current IDFC First Bank loan interest rates and processing fees for different loan types.
| Type/Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home Loan | 8.5% | 10.75% | 0.50% to 2% of loan amount + GST |
Personal Loan | 10.49% | 25% | 2% to 3.5% of loan amount + GST |
Car Loan | 9% | 13% | 2.5% of loan amount + GST |
Education Loan | 9.5% | 12.5% | 1% of loan amount + GST |
Business Loan | 11% | 18% | 2% to 3% of loan amount + GST |
Two Wheeler Loan | 10.5% | 14.5% | ₹999 to ₹2,999 + GST |
Gold Loan | 9.5% | 16% | 2% of loan amount + GST |
Why Choose IDFC First Bank?
Discover the advantages of banking with one of India's most trusted financial institutions
Competitive Rates
Up to 7.5% returns on Fixed Deposits with attractive rates for all tenures
Bank Security
RBI regulated private bank with deposit insurance up to ₹5 lakhs
Digital Banking
Advanced mobile banking, online FD booking, and instant loan approvals through digital channels
Customer Service
24/7 customer support with extensive branch network and dedicated relationship managers
Additional Benefits
Interest rates last updated: Nov 2025
Data Source
IDFC First Bank Official Rates