IDFC First Bank Interest Rates & Calculators
Complete guide to IDFC First Bank interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.
IDFC First Bank FD Rates Overview
IDFC First Bank currently offers fixed deposit interest rates of up to 7.25% p.a. for the general public, and 7.5% for senior citizens. The full slab-wise IDFC First Bank rate table is below — use the FD and RD calculators to compute your exact maturity amount.
IDFC First Bank Planning & Calculators
Verified rates & instant amortization schedules for deposits, loans, and cards.
Latest IDFC First Bank Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Fixed Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days – 29 days | 3.25% | 3.5% |
30 days – 45 days | 3.5% | 3.75% |
46 days – 90 days | 4.5% | 4.75% |
91 days – 180 days | 5% | 5.25% |
181 days – less than 1 year | 6.5% | 6.75% |
1 year – 370 days | 6.5% | 6.75% |
371 days – 499 days | 7% | 7.25% |
500 days – 2 yearsHighest Yield | 7.25% | 7.5% |
2 years 1 day – 3 years | 7.1% | 7.35% |
3 years 1 day – 5 years | 6.75% | 7% |
5 years 1 day – 10 years | 6% | 6.25% |
Green Deposit (375 days) | 7% | 7.25% |
Recurring Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
6 months | 6.5% | 6.75% |
9 months | 6.5% | 6.75% |
12 months | 6.5% | 6.75% |
24 monthsHighest Yield | 7.25% | 7.5% |
36 months | 7.1% | 7.35% |
Loan Interest Rates
Verified loan interest rates and processing fees across retail borrowing categories.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home LoanLowest Starting Rate | 7.75% | — | The loan processing fee is up to 3% of the sanctioned loan amount. |
| 9.99% | — | Zero Processing Fee on all personal loans (CHANGED 2026-11-08: product page banner "Zero Processing fee on all personal loans" / "Zero Processing Fee for all"; was previously 0%-3.5% of loan amount incl. GST) | |
| 8.99% | 11.5% | Up to Rs. 10,000 (inclusive of GST) | |
| 9.84% | 20.04% | Up to 1% of loan amount + GST |
IDFC First Bank Credit Cards (20)
Select any card to explore full rewards, airport lounge access & application benefits.
IDFC FIRST Private Credit Card
IDFC FIRST Gaj: Credit Card
IDFC FIRST Mayura Credit Card
IndiGo IDFC FIRST Dual Credit Card
IDFC FIRST Diamond Reserve Credit Card
IDFC FIRST Ashva Credit Card
IDFC FIRST WOW! Black Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Power+ Credit Card
IDFC FIRST SWYP Credit Card
IDFC FIRST Select Credit Card
IDFC FIRST LIC Select Credit Card
IDFC FIRST Hello Cashback Credit Card
IDFC FIRST EA₹N Credit Card
IDFC FIRST Power Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Classic Credit Card
IDFC FIRST WOW! Credit Card
IDFC FIRST Quantum+ Credit Card
IDFC FIRST LIC Classic Credit Card
Why Choose IDFC First Bank?
Key benefits and features of banking with IDFC First Bank.
Competitive Rates
Up to 7.5% returns on deposits with attractive rates across short & long tenures.
Bank Security
RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
