Private bank · typically 60 years and above
IDFC First Bank Senior Citizen rates
The highest senior citizen rate IDFC First Bank publishes today is 7.60% for 500 Days to 3 Years. All 15 published terms are below, exactly as the bank states them.
Effective from 10 Jun 2026 — the date IDFC First Bank published these rates, not the date we read them.
Published terms
15
distinct rows on the bank’s own rate card
Rate range
3.50% – 7.60%
lowest to highest across all terms
Senior citizen premium
+25 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 14 terms
Source: IDFC First Bank interest-rate page| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 14 Days | 3.50% | 3.25% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 15 to 29 Days | 3.50% | 3.25% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 30 to 45 Days | 3.75% | 3.50% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 46 to 90 Days | 4.75% | 4.50% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 91 to 180 Days | 5.25% | 5.00% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 181 Days to < 1 Year | 6.75% | 6.50% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 1 Year | 6.75% | 6.50% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| > 1 Year to 370 Days | 6.75% | 6.50% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 371 to 390 Days | 7.25% | 7.00% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 375 Days | 7.25% | 7.00% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 391 to 499 Days | 7.50% | 7.25% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| 500 Days to 3 Years | 7.60% | 7.35% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| > 3 to 5 Years | 7.00% | 6.75% | +25 bps | ₹10,000+ | 10 Jun 2026 |
| > 5 to 10 Years | 6.25% | 6.00% | +25 bps | ₹10,000+ | 10 Jun 2026 |
Other fixed deposits at IDFC First 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Source: IDFC First Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity.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: IDFC First Bank interest-rate page — the bank's general rate page, not a dedicated oneQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 5 Years | 7.00% | 6.75% | +25 bps | ₹10,000+ | 10 Jun 2026 |
Opening a fixed deposit with IDFC First Bank
IDFC First Bank publishes 15 separate terms for senior citizens, starting from ₹10,000. The highest is 7.60% at 500 Days to 3 Years.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 14 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 IDFC FIRST Bank, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by IDFC First Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.