Fixed deposits
FD · GeneralFD
w.e.f. 2026-07-2511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days – 29 daysstandard | ₹1,000 – ₹3,00,00,000 | 3.25% |
| 30 days – 45 daysstandard | ₹1,000 – ₹3,00,00,000 | 3.50% |
| 46 days – 90 daysstandard | ₹1,000 – ₹3,00,00,000 | 4.50% |
| 91 days – 180 daysstandard | ₹1,000 – ₹3,00,00,000 | 5.00% |
| 181 days – less than 1 Yearstandard | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 1 year – 370 daysstandard | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 371 days – 499 daysstandard | ₹1,000 – ₹3,00,00,000 | 7.00% |
| 375 daysgreen | ₹5,000 – ₹3,00,00,000 | 7.00% |
| 500 days – 3 yearsstandard | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 3 years 1 day – 5 yearsstandard | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 5 years 1 day – 10 yearsstandard | ₹1,000 – ₹3,00,00,000 | 6.00% |
FD · Senior CitizenFD_SC
w.e.f. 2026-07-2511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days – 29 daysstandard | ₹1,000 – ₹3,00,00,000 | 3.50% |
| 30 days – 45 daysstandard | ₹1,000 – ₹3,00,00,000 | 3.75% |
| 46 days – 90 daysstandard | ₹1,000 – ₹3,00,00,000 | 4.75% |
| 91 days – 180 daysstandard | ₹1,000 – ₹3,00,00,000 | 5.25% |
| 181 days – less than 1 Yearstandard | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 1 year – 370 daysstandard | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 371 days – 499 daysstandard | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 375 daysgreen | ₹5,000 – ₹3,00,00,000 | 7.25% |
| 500 days – 3 yearsstandard | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 3 years 1 day – 5 yearsstandard | ₹1,000 – ₹3,00,00,000 | 7.00% |
| 5 years 1 day – 10 yearsstandard | ₹1,000 – ₹3,00,00,000 | 6.25% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-07-251 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Yearstax | ₹1,000 – ₹1,50,000 | 6.75% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-07-251 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 Yearstax | ₹1,000 – ₹1,50,000 | 7.00% |
Recurring deposits
RDRD
w.e.f. 2026-06-105 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 – ₹1,25,000 | 6.50% |
| 9 Months | ₹100 – ₹1,25,000 | 6.50% |
| 12 Months | ₹100 – ₹1,25,000 | 6.50% |
| 24 Months | ₹100 – ₹1,25,000 | 7.35% |
| 36 Months | ₹100 – ₹1,25,000 | 7.35% |
RD · SCRD_SC
w.e.f. 2026-06-105 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 – ₹1,25,000 | 6.75% |
| 9 Months | ₹100 – ₹1,25,000 | 6.75% |
| 12 Months | ₹100 – ₹1,25,000 | 6.75% |
| 24 Months | ₹100 – ₹1,25,000 | 7.60% |
| 36 Months | ₹100 – ₹1,25,000 | 7.60% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-04-213 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹3 Lakh | ₹0 – ₹3,00,000 | 2.50% |
| Above ₹3 Lakh to ₹25 Cr | ₹3,00,000 – ₹25,00,00,000 | 6.50% |
| Above ₹25 Cr | ₹25,00,00,000 and above | 5.00% |
NRE SavingsNRE_SAVINGS
w.e.f. 2026-04-213 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹3 Lakh | ₹0 – ₹3,00,000 | 2.50% |
| Above ₹3 Lakh to ₹25 Cr | ₹3,00,000 – ₹25,00,00,000 | 6.50% |
| Above ₹25 Cr | ₹25,00,00,000 and above | 5.00% |
NRO SavingsNRO_SAVINGS
w.e.f. 2026-04-213 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹3 Lakh | ₹0 – ₹3,00,000 | 2.50% |
| Above ₹3 Lakh to ₹25 Cr | ₹3,00,000 – ₹25,00,00,000 | 6.50% |
| Above ₹25 Cr | ₹25,00,00,000 and above | 5.00% |
NRI deposits
NRENRE
w.e.f. 2026-06-107 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹10,000 and above | 6.50% |
| 1 year 1 day to 370 days | ₹10,000 and above | 6.50% |
| 371 days to 390 days | ₹10,000 and above | 7.00% |
| 391 days to 499 days | ₹10,000 and above | 7.25% |
| 500 days to 3 years | ₹10,000 and above | 7.35% |
| 3 years 1 day to 5 years | ₹10,000 and above | 6.75% |
| 5 years 1 day to 10 years | ₹10,000 and above | 6.00% |
NRONRO
w.e.f. 2026-06-1013 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 14 days | ₹10,000 and above | 3.25% |
| 15 days to 29 days | ₹10,000 and above | 3.25% |
| 30 days to 45 days | ₹10,000 and above | 3.50% |
| 46 days to 90 days | ₹10,000 and above | 4.50% |
| 91 days to 180 days | ₹10,000 and above | 5.00% |
| 181 days to less than 1 year | ₹10,000 and above | 6.50% |
| 1 year | ₹10,000 and above | 6.50% |
| 1 year 1 day to 370 days | ₹10,000 and above | 6.50% |
| 371 days to 390 days | ₹10,000 and above | 7.00% |
| 391 days to 499 days | ₹10,000 and above | 7.25% |
| 500 days to 3 years | ₹10,000 and above | 7.35% |
| 3 years 1 day to 5 years | ₹10,000 and above | 6.75% |
| 5 years 1 day to 10 years | ₹10,000 and above | 6.00% |
NRI recurring deposits
NRE RDNRE_RD
w.e.f. 2026-06-103 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 12 Months | ₹100 – ₹1,25,000 | 6.50% |
| 24 Months | ₹100 – ₹1,25,000 | 7.35% |
| 36 Months | ₹100 – ₹1,25,000 | 7.35% |
NRO RDNRO_RD
w.e.f. 2026-06-105 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 – ₹1,25,000 | 6.50% |
| 9 Months | ₹100 – ₹1,25,000 | 6.50% |
| 12 Months | ₹100 – ₹1,25,000 | 6.50% |
| 24 Months | ₹100 – ₹1,25,000 | 7.35% |
| 36 Months | ₹100 – ₹1,25,000 | 7.35% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-06-16USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr < 15 Months | up to USD 1,000,000 | 4.50% |
| 1 Yr < 15 Months | USD 1,000,000 and above | 4.00% |
| 15 Months < 2 Yrs | up to USD 1,000,000 | 4.50% |
| 15 Months < 2 Yrs | USD 1,000,000 and above | 4.00% |
| 2 Yrs to < 3 Yrs | up to USD 1,000,000 | 4.25% |
| 2 Yrs to < 3 Yrs | USD 1,000,000 and above | 4.00% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-06-16GBP2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr < 15 Months | up to GBP 1,000,000 | 4.25% |
| 15 Months < 2 Yrs | up to GBP 1,000,000 | 4.00% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-06-16EUR2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr < 15 Months | up to EUR 1,000,000 | 2.55% |
| 15 Months < 2 Yrs | up to EUR 1,000,000 | 1.25% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-06-16AUD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr < 15 Months | up to AUD 1,000,000 | 4.00% |
| 15 Months < 2 Yrs | up to AUD 1,000,000 | 3.85% |
FCNR · SGD · CallableFCNR_SGD
w.e.f. 2026-06-16SGD2 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yr < 15 Months | up to SGD 1,000,000 | 1.90% |
| 15 Months < 2 Yrs | up to SGD 1,000,000 | 1.65% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-06-16USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 Yrs to < 4 Yrs | up to USD 1,000,000 | 6.75% |
| 3 Yrs to < 4 Yrs | USD 1,000,000 and above | 6.75% |
| 4 Yrs to < 5 Yrs | up to USD 1,000,000 | 6.75% |
| 4 Yrs to < 5 Yrs | USD 1,000,000 and above | 6.75% |
| 5 Yrs only | up to USD 1,000,000 | 6.75% |
| 5 Yrs only | USD 1,000,000 and above | 6.75% |
If you break it early
Breaking this deposit early — FD · General
Every band IDFC First Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 1 day to 6 days | no penalty | No interest is paid at all. |
| ₹5,000 to under ₹3 crore | 1 day to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to under ₹3 crore | 7 days to 29 days | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
| ₹5,000 to under ₹3 crore | 7 days to 375 days | 1% off your rate | Worked out on whichever is LOWER: the rate you booked at, or the rate for the period you actually ran. |
The bank’s own wording
- ₹1,000 to under ₹3 crore · 1 day to 6 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source - ₹5,000 to under ₹3 crore · 1 day to 6 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source - ₹1,000 to under ₹3 crore · 7 days to 29 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source - ₹5,000 to under ₹3 crore · 7 days to 375 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source
Breaking this deposit early — FD · Senior Citizen
Every band IDFC First Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 1 day to 6 days | no penalty | No interest is paid at all. |
| ₹5,000 to under ₹3 crore | 1 day to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to under ₹3 crore | 7 days to 29 days | no penalty | |
| ₹5,000 to under ₹3 crore | 7 days to 375 days | no penalty |
The bank’s own wording
- ₹1,000 to under ₹3 crore · 1 day to 6 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source - ₹5,000 to under ₹3 crore · 1 day to 6 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source - ₹1,000 to under ₹3 crore · 7 days to 29 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source - ₹5,000 to under ₹3 crore · 7 days to 375 days
“Premature closure penalty of 1% shall be applicable on all Fixed Deposits opened and/or renewed on or after May 2 nd , 2019. c. There shall be no premature closure penalty on Senior Citizen Fixed Deposits where the deposit amount at the time of opening of the Fixed Deposit is less than ₹3 crore. d. No interest shall be paid, where premature withdrawal of resident/NRO deposits takes place before completion of 7 days. For NRE deposits, no interest shal”
Source
Breaking this deposit early — Tax Saver
Every band IDFC First Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“The minimum amount of Deposit which can be placed with the Bank shall be Rs 1,000 and the maximum amount of Deposit which can be placed shall be ₹1,50,000. • The maturity period of a Deposit receipt of any denomination shall be five years commencing from the date of the receipt. • There shall be no auto renewal facility for the Deposit. • No Deposit shall be encashed before the expiry of five years from the date of the deposit except in case of death of depositor. • Permanent Account Number (PAN) is mandatory to open a Deposit. • The Deposit sha”
Source
Breaking this deposit early — Tax Saver SC
Every band IDFC First Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“The minimum amount of Deposit which can be placed with the Bank shall be Rs 1,000 and the maximum amount of Deposit which can be placed shall be ₹1,50,000. • The maturity period of a Deposit receipt of any denomination shall be five years commencing from the date of the receipt. • There shall be no auto renewal facility for the Deposit. • No Deposit shall be encashed before the expiry of five years from the date of the deposit except in case of death of depositor. • Permanent Account Number (PAN) is mandatory to open a Deposit. • The Deposit sha”
Source
Not yet verified
We have not read and recorded IDFC First Bank’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRO, NRE RD, NRO RD, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · AUD · Callable, FCNR · SGD · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by IDFC First Bank
39 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Recurring deposits
- RD · SSCsource ↗checked 2026-07-20
Auto-sweep
NRI deposits
- NRE · Non-Callablesource ↗checked 2026-07-20
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · AUD (returned NRI)source ↗checked 2026-07-20
- RFC · CAD (returned NRI)source ↗checked 2026-07-20
- RFC · CHF (returned NRI)source ↗checked 2026-07-20
- RFC · EUR (returned NRI)source ↗checked 2026-07-20
- RFC · GBP (returned NRI)source ↗checked 2026-07-20
- RFC · HKD (returned NRI)source ↗checked 2026-07-20
- RFC · NZD (returned NRI)source ↗checked 2026-07-20
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-20
- RFC · SGD (returned NRI)source ↗checked 2026-07-20
- RFC · USD (returned NRI)source ↗checked 2026-07-20
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-20
- RFC Savings (returned NRI)source ↗checked 2026-07-20
FCNR — callable
- FCNR · CAD · Callablesource ↗checked 2026-07-14
- FCNR · CHF · Callablesource ↗checked 2026-07-14
- FCNR · HKD · Callablesource ↗checked 2026-07-14
- FCNR · NZD · Callablesource ↗checked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-20
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-14
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-20
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-20
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-20
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-20
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-20
Financial healthQ4FY2026
Full transparency report →- GNPA
- 1.61%
- NNPA
- 0.48%
- CAR
- 15.60%
- CASA
- 49.80%
- ROA
- 0.40%
- ROE
- 3.84%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as IDFC First Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 91 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.