IDBI Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 21 September 2026. Deposits below ₹3 crore.
IDBI Bank pays its best rate among these terms on 3 years: 6.35%, or 6.85% for senior citizens. That ranks 19th of 33 banks we track for 3 years. On a 2-year deposit it pays less than SBI (6.40%).
IDBI Bank FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 1 year | 6.20% | 6.70% | ₹5,31,728 | 26th of 33 |
| 2 years Slab: Above 1 year to 2 years | 6.25% | 6.75% | ₹5,66,027 | 27th of 33 |
| 3 years Slab: 3 years to less than 5 years | 6.35% | 6.85% | ₹6,04,023 | 19th of 33 |
| 5 years Slab: 5 years | 6.25% | 6.75% | ₹6,81,770 | 19th of 33 |
| Tax saver, 5 years 80C, old regime only | 6.25% | 6.75% | ₹6,81,770 | Compare |
Interest compounds every quarter and is paid at maturity, before tax. Source: IDBI Bank deposit rates. Each rate is the slab that contains that exact term.
How IDBI Bank compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.05 percentage points more. On ₹5 lakh that is ₹5,519 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.50 percentage points more. On ₹5 lakh that is ₹16,937 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 1.65 percentage points more. On ₹5 lakh that is ₹30,098 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.52 percentage points more. On ₹5 lakh that is ₹52,872 extra.
Similar banks: ICICI Bank (6.30% for 2 years), Karnataka Bank (6.40% for 2 years), HDFC Bank (6.45% for 2 years), Axis Bank (6.50% for 2 years).
Amounts at IDBI Bank
- ₹1 lakh for 3 years at 6.35% becomes ₹1,20,805.
- ₹10 lakh for 3 years at 6.35% becomes ₹12,08,045.
Questions people ask
What is the IDBI Bank FD rate for 1 year?
IDBI Bank pays 6.20% a year on a 1-year deposit below ₹3 crore (6.70% for senior citizens). ₹5 lakh grows to ₹5,31,728. The slab is "1 year".
What is the IDBI Bank FD rate for 2 years?
IDBI Bank pays 6.25% a year on a 2-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,66,027. The slab is "Above 1 year to 2 years".
What is the IDBI Bank FD rate for 3 years?
IDBI Bank pays 6.35% a year on a 3-year deposit below ₹3 crore (6.85% for senior citizens). ₹5 lakh grows to ₹6,04,023. The slab is "3 years to less than 5 years".
What is the IDBI Bank FD rate for 5 years?
IDBI Bank pays 6.25% a year on a 5-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹6,81,770. The slab is "5 years".
What is the IDBI Bank tax-saver FD rate?
6.25% for 5 years (6.75% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.
Is money in a IDBI Bank FD safe?
IDBI Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate