Private bank
IDBI Bank FD rates
The highest rate IDBI Bank publishes today is 6.50% for > 2 to < 3 Years. All 29 published terms are below, exactly as the bank states them — including 2 limited-period rates you can still book, each marked in the table with the date IDBI Bank says it ends.
IDBI Bank currently publishes 2 rate cards with different effective dates — 1 Jul 2026 and 23 Feb 2026. They are shown as separate tables below rather than merged, because a single blended table would be a rate card this bank never issued.
Published terms
29
distinct rows on the bank’s own rate card
Rate range
3.00% – 6.50%
lowest to highest across all terms
Senior citizen premium
+50 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 21 terms
Source: IDBI Bank interest-rate page| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 07 to 30 Days | 3.00% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 31 to 45 Days | 3.15% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 46 to 60 Days | 4.35% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 61 to 90 Days | 4.60% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 91 Days to 6 Months | 5.35% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 6 Months to 270 Days | 5.50% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 271 Days to < 1 Year | 5.80% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 1 Year | 6.20% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 1 to 2 Years | 6.25% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 370 DaysAarogya Fixed Deposit | 6.10% | ₹7.50 L – ₹7.50 L | 23 Feb 2026 |
| 555 DaysUtsav FDtill 30 Sept 2026 | 6.40% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 1 to 2 Years | 6.25% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 700 DaysUtsav FDtill 30 Sept 2026 | 6.45% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 1 to 2 Years | 6.25% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 2 to < 3 Years | 6.50% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 3 to < 5 Years | 6.35% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 1111 DaysVasundhara Green Deposit | 6.35% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| 5 Years | 6.25% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 5 to 7 Years | 5.95% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 7 to 10 Years | 5.90% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
| > 10 to 20 Years | 4.80% | ₹10,000 – ₹3.00 Cr | 23 Feb 2026 |
“till” marks a limited-period rate. IDBI Bank has published an end date for 2 of these terms. You can still book them until then; after that the bank decides whether to extend.
Other fixed deposits at IDBI Bank
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: IDBI Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
Tax-saver fixed deposit
Source: IDBI Bank tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 5 Years | 6.25% | ₹10,000 – ₹1.50 L | 23 Feb 2026 |
Floating-rate fixed deposit
Source: IDBI Bank interest-rate page — the bank's general rate page, not a dedicated oneThe rate is tied to a benchmark and resets during the term, so it can move after you book.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 1 Year | 5.84% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
| 2 Years | 5.84% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
| 3 Years | 5.84% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
| 5 Years | 5.74% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
| 7 Years | 5.54% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
| 10 Years | 5.54% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
| > 10 to 20 Years | 5.44% | ₹10,000 – ₹3.00 Cr | 1 Jul 2026 |
Opening a fixed deposit with IDBI Bank
IDBI Bank publishes 29 separate terms for ordinary depositors, starting from ₹10,000. The highest is 6.50% at > 2 to < 3 Years.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 07 to 30 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside Go Mobile+, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by IDBI Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.