+91-22-48913909IDBI Bank Fixed Deposit Rates 2025
IDBI Bank, a public sector bank, has been present in the Industry for the last 40 years and is Offering high-quality financial services and products to a large number of customers. The Fixed Deposit (FD) offered by IDBI Bank is one of the good ways to save money or make a lucrative investment that will pay guaranteed returns.
A customer is required to make a deposit once into their fixed deposit account at the time of opening the account with the bank. One looking to open an FD account with IDBI bank, here are the following FD rates with its tenure offered by the bank.
IDBI Fixed Deposit Interest Rates 2025
Here's a list of IDBI FD Interest Rates for deposits less than INR 2 crore.
w.e.f. 1.11.2022
| Tenure | Regular Deposit (p.a%) | Senior Citizen (p.a%) |
|---|---|---|
| 0-6 Days | NA | NA |
| 07-14 days | 3.00 | 3.50 |
| 15-30 days | 3.00 | 3.50 |
| 31-45 days | 3.35 | 3.85 |
| 46- 60 days | 4.25 | 4.75 |
| 61-90 days | 4.25 | 4.75 |
| 91-6 months | 4.50 | 5.00 |
| 6 months 1 day to 270 days | 5.25 | 5.75 |
| 271 days up to< 1 year | 5.50 | 6.00 |
| 1 year | 6.25 | 6.75 |
| > 1 Year to 554 Days | 6.25 | 7.00# |
| 556 days to 2 years | 6.25 | 7.00# |
| > 2 Years to < 3 Years | 6.25 | 7.00# |
| 3 years to < 5years | 6.10 | 6.85# |
| 5 years | 6.10 | 6.85# |
| > 5 years to 7 years | 6.10 | 6.85# |
| >7 years to 10 years | 6.10 | 6.85# |
| >10 years to 20 years$ | 4.80 | 5.30 |
$ Maturity bucket is eligible only for deposits from following beneficiaries (with effect from January 1st, 2021). #Rates on IDBI Naman Senior Citizen Deposit (total mark-up 0.75% over Card Rate). Figures mentioned in the above table are subject to change without prior information.
Talk to our investment specialist
Suvidha Tax Saving Fixed Deposit (5 Years)
w.e.f. October 11, 2022
| Tenure | Normal Retail Rate | Senior Citizens |
|---|---|---|
| 5 Year | 6.10% | 6.85%# |
#For more details contact IDBI bank.
Features of Fixed Deposit
Mentioned below are some of the key features offered on FDs by IDBI Bank:
- The FD offers the advantage to enjoy higher interest rate on the deposit
- Offers attractive interest rate on your deposit
- Loan Facility upto 90 percent is available on the deposit
- Extra interest of 0.50 percent payable to the senior citizens
- Auto renewal facility availability
How to Apply for Fixed Deposit Scheme?
Applying for a IDBI's Freedom Deposit is absolutely simple. Just Call phone banking numbers, the bank representative will contact you at the earliest. Or visit your the nearest branch.
Are you Looking for an Alternative to Banks Savings Account?
Investors who are thinking of parking their money for the short term, you can also consider liquid Mutual Funds. Liquid Funds are an ideal alternative to FDs as they invest in low-risk debt and money market securities.
Here are some features of liquid funds you should know:
- Liquid Funds invest in short-term investment instruments like commercial papers, certificates of deposit, treasury bills etc
- With Liquid Mutual Funds one gets the flexibility to invest or withdraw whenever one wants to without any penalty or exit load
- When investing in Mutual Funds, some fund houses also offer ATM card to withdraw money. This further adds on to your convenience
- Some of the Best Liquid Funds offer much better interest rate than that of Savings Account
Liquid Funds Vs Savings Account
Based on certain parameters, we can figure out the difference between liquid funds and savings account. Let’s figure out those parameters.
| Factors | Liquid Funds | Savings Account |
|---|---|---|
| Rate of Return | 7-8% | 4% |
| Tax Implications | Short-term Capital gains tax is levied based on investors' applicable income tax slab Tax Rate | Interest rate earned are taxable as per investors' applicable Income tax slab |
| Ease of Operation | No need to go to a bank to get cash. If there is same amount that needs to be paid, it can be done online | Money gets deposited to the bank account first |
| Suitable for | Who want to invest their surplus to earn higher return than saving account | Who want to just park their surplus amount |
Top 5 Liquid Funds to Invest 2025
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Indiabulls Liquid Fund Growth ₹2,542.57
↑ 0.49 ₹328 0.5 1.5 3.4 7 6.9 5.4 7.4 PGIM India Insta Cash Fund Growth ₹342.259
↑ 0.07 ₹357 0.5 1.5 3.3 7 7 5.6 7.3 JM Liquid Fund Growth ₹71.7267
↑ 0.01 ₹1,909 0.5 1.5 3.3 6.9 6.9 5.5 7.2 Axis Liquid Fund Growth ₹2,927.39
↑ 0.50 ₹33,529 0.5 1.5 3.3 7 7 5.6 7.4 Invesco India Liquid Fund Growth ₹3,613.56
↑ 0.61 ₹12,320 0.5 1.5 3.3 7 7 5.6 7.4 Tata Liquid Fund Growth ₹4,140.76
↑ 0.70 ₹23,368 0.5 1.5 3.3 7 7 5.5 7.3 Aditya Birla Sun Life Liquid Fund Growth ₹423.622
↑ 0.08 ₹54,838 0.5 1.5 3.3 7 7 5.6 7.3 ICICI Prudential Liquid Fund Growth ₹389.188
↑ 0.07 ₹49,517 0.5 1.5 3.3 7 7 5.5 7.4 Nippon India Liquid Fund Growth ₹6,416.16
↑ 1.13 ₹34,490 0.5 1.5 3.3 7 7 5.5 7.3 Baroda Pioneer Liquid Fund Growth ₹3,022.36
↑ 0.52 ₹12,097 0.5 1.5 3.3 6.9 7 5.6 7.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Indiabulls Liquid Fund PGIM India Insta Cash Fund JM Liquid Fund Axis Liquid Fund Invesco India Liquid Fund Tata Liquid Fund Aditya Birla Sun Life Liquid Fund ICICI Prudential Liquid Fund Nippon India Liquid Fund Baroda Pioneer Liquid Fund Point 1 Bottom quartile AUM (₹328 Cr). Bottom quartile AUM (₹357 Cr). Bottom quartile AUM (₹1,909 Cr). Upper mid AUM (₹33,529 Cr). Lower mid AUM (₹12,320 Cr). Upper mid AUM (₹23,368 Cr). Highest AUM (₹54,838 Cr). Top quartile AUM (₹49,517 Cr). Upper mid AUM (₹34,490 Cr). Lower mid AUM (₹12,097 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Oldest track record among peers (27 yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 7.03% (top quartile). 1Y return: 7.02% (upper mid). 1Y return: 6.90% (bottom quartile). 1Y return: 7.04% (top quartile). 1Y return: 7.02% (upper mid). 1Y return: 7.00% (upper mid). 1Y return: 6.99% (lower mid). 1Y return: 6.97% (lower mid). 1Y return: 6.97% (bottom quartile). 1Y return: 6.91% (bottom quartile). Point 6 1M return: 0.46% (top quartile). 1M return: 0.46% (top quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (bottom quartile). 1M return: 0.45% (bottom quartile). Point 7 Sharpe: 3.32 (bottom quartile). Sharpe: 3.56 (upper mid). Sharpe: 3.11 (bottom quartile). Sharpe: 3.87 (top quartile). Sharpe: 3.96 (top quartile). Sharpe: 3.53 (upper mid). Sharpe: 3.56 (upper mid). Sharpe: 3.50 (lower mid). Sharpe: 3.37 (lower mid). Sharpe: 3.29 (bottom quartile). Point 8 Information ratio: -1.49 (bottom quartile). Information ratio: -0.92 (lower mid). Information ratio: -2.34 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -1.00 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: -1.32 (bottom quartile). Point 9 Yield to maturity (debt): 5.87% (bottom quartile). Yield to maturity (debt): 5.90% (bottom quartile). Yield to maturity (debt): 5.87% (bottom quartile). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 6.19% (top quartile). Yield to maturity (debt): 6.00% (upper mid). Yield to maturity (debt): 6.39% (top quartile). Yield to maturity (debt): 5.95% (lower mid). Yield to maturity (debt): 6.01% (upper mid). Yield to maturity (debt): 5.95% (lower mid). Point 10 Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (upper mid). Indiabulls Liquid Fund
PGIM India Insta Cash Fund
JM Liquid Fund
Axis Liquid Fund
Invesco India Liquid Fund
Tata Liquid Fund
Aditya Birla Sun Life Liquid Fund
ICICI Prudential Liquid Fund
Nippon India Liquid Fund
Baroda Pioneer Liquid Fund
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved