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IDBI Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
PrivateHeadquarters
MumbaiFounded
1964Branches
2100DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
0.15%Strong
CAR
26.65%Strong
PCR
99.39%Strong
LCR
122.25%Strong
CASA
44.59%Strong
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD | ||
|---|---|---|---|
| Deposit Amount | Under $1M | $1M to $5M | $5M+ |
| 1 to <2 years | 4.55%BEST | 4.65%BEST | 4.75%BEST |
| 2 to <3 years | 3.70% | 3.80% | 3.95% |
| 3 to <4 years | 3.25% | 3.25% | 3.35% |
| 4 to <5 years | 3.15% | 3.20% | 3.35% |
| 5 years | 3.15% | 3.20% | 3.35% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 year | 6.20% |
Above 1 to 2 years | 6.25% |
370 daysSpecial FD | 6.10% |
555 daysSpecial FD | 6.40% |
700 daysSpecial FD | 6.45% |
Above 2 to <3 years | 6.50%BEST |
3 to <5 years | 6.35% |
1111 daysGreen FD | 6.35% |
5 years | 6.25% |
Above 5 to 7 years | 5.95% |
Above 7 to 10 years | 5.90% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, IDBI Bank offers up to 6.50% p.a. on Fixed Deposits and up to 3.00% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, IDBI Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with IDBI Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
IDBI Bank offers tiered interest rates ranging from 2.50% to 3.00% p.a. depending on the balance slabs maintained in the savings account.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
IDBI Bank FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,398
MATURITY DATE
19 Sept 2027
Interest rate6.25% p.a.
Principal₹1,00,000
Total interest₹6,398
Indicative only. Actual figures may vary.