IDFC Bank FD Rates 2025

Updated on September 7, 2025 , 13716 views

IDFC Fixed Deposit (FD) scheme makes your money work for you. IDFC Banks Fixed deposits interest rates are amongst one of the highest in the Market, have no penalty on early withdrawals and a complimentary Savings Account.

Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD Income earns interest on the investment. This interest income earned is taxable in the hands of investors.

IDFC Bank FD Interest Rates 2025 - Below Rs. 2 Cr

IDFC interest rates on deposits for Domestic, NRE & NRO Deposits less than INR 2 Crores

Tenure	Regular	Senior Citizen
7 – 14 days	3.00%	3.50%
15 – 29 days	3.00%	3.50%
30 – 45 days	3.00%	3.50%
46 – 90 days	4.50%	5.00%
91 – 180 days	4.50%	5.00%
181 days – less than 1 year	5.75%	6.25%
1 year	6.50%	7.00%
1 year 1 day - 548 days	7.50%	8.00%
549 days - 2 years	7.75%	8.25%
2 years 1 day - 3 years	7.25%	7.75%
3 years 1 day – 5 years	7.00%	7.50%
5 years 1 day – 10 years	7.00%	7.50%

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IDFC Bank FD Interest Rates 2025 - Rs. 2 Cr to 5 Cr

Tenure	FD Rates (Rs. 2 crore - 5 crore)
7 – 14 days	5.00%
15 – 35 days	5.25%
36 – 45 days	5.65%
46 – 60 days	6.15%
61 – 91 days	6.80%
92 – 180 days	7.20%
181 – 270 days	7.35%
271 – 365 days	7.40%
366 - 399 days	7.65%
400 – 499 days	7.65%
500 - 540 days	7.65%
541 - 731 days	7.65%
732 - 1095 days	7.50%
3 years 1days - 5 years	7.25%
5 Year 1 Day - 8 Years	7.25%
8 Year 1 Day - 10 Years	7.25%

IDFC Tax Saver Deposit

| tax saver deposit (Only for Domestic Deposits) | Rate of Interest (% p.a.) | -------- | -------- | —----- | | 5 years | 6.00% |

IDFC Bank FD Account Features

1. Investment Amount

The minimum amount for the IDFC FD account is INR 10,000 and there is no maximum limit for deposits.

2. Tenure

IDFC offers a flexible tenure for fixed deposit accounts from seven days to ten years

3. Withdrawals

No penalty is charged by IDFC Bank on early withdrawal of your fixed deposits

Documents Required to Open IDFC FD Account

1. Identity proof

Passport
PAN Card
Voter ID card
Driving licence
Government ID card
Photo ration card
Senior citizen ID card

2. Address proof

Passport
Telephone bill
Electricity bill
Bank statement with Cheque
Certificate/ ID card issued by Post office

Are you Looking for Alternative to Banks Savings Account in Mutual Funds?

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:

These funds come with no lock-in period
The money is invested in money market instruments like a certificate of deposits, commercial papers, treasury bills, and term deposits
You can exit from the scheme anytime you want. Also, the funds have no entry load and exit loads
The Underlying assets have low maturity period and provide you low-interest rates
Most times, you may also get returns higher than bank savings account

Best 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	₹2,553.04 ↑ 0.38	₹393	0.5	1.4	3.3	6.9	6.9	5.5	7.4
PGIM India Insta Cash Fund Growth	₹343.647 ↑ 0.05	₹513	0.5	1.4	3.3	6.9	7	5.6	7.3
JM Liquid Fund Growth	₹72.0132 ↑ 0.01	₹3,225	0.5	1.4	3.2	6.8	6.9	5.6	7.2
Axis Liquid Fund Growth	₹2,939.28 ↑ 0.37	₹36,757	0.5	1.4	3.3	6.9	7	5.6	7.4
Tata Liquid Fund Growth	₹4,157.51 ↑ 0.50	₹22,951	0.5	1.4	3.3	6.9	7	5.6	7.3
Invesco India Liquid Fund Growth	₹3,628.12 ↑ 0.41	₹14,240	0.5	1.4	3.3	6.9	7	5.6	7.4
Aditya Birla Sun Life Liquid Fund Growth	₹425.344 ↑ 0.05	₹51,913	0.5	1.4	3.3	6.9	7	5.6	7.3
Nippon India Liquid Fund Growth	₹6,441.88 ↑ 0.71	₹35,388	0.5	1.4	3.3	6.9	7	5.6	7.3
ICICI Prudential Liquid Fund Growth	₹390.755 ↑ 0.05	₹51,593	0.5	1.4	3.3	6.9	7	5.6	7.4
Baroda Pioneer Liquid Fund Growth	₹3,034.38 ↑ 0.36	₹11,836	0.5	1.4	3.2	6.8	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 9 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	Axis Liquid Fund	Tata Liquid Fund	Invesco India Liquid Fund	Aditya Birla Sun Life Liquid Fund	Nippon India Liquid Fund	ICICI Prudential Liquid Fund	Baroda Pioneer Liquid Fund
Point 1	Bottom quartile AUM (₹393 Cr).	Bottom quartile AUM (₹513 Cr).	Bottom quartile AUM (₹3,225 Cr).	Upper mid AUM (₹36,757 Cr).	Upper mid AUM (₹22,951 Cr).	Lower mid AUM (₹14,240 Cr).	Highest AUM (₹51,913 Cr).	Upper mid AUM (₹35,388 Cr).	Top quartile AUM (₹51,593 Cr).	Lower mid AUM (₹11,836 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Oldest track record among peers (27 yrs).	Established history (15+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (19+ 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: 6.94% (top quartile).	1Y return: 6.92% (upper mid).	1Y return: 6.79% (bottom quartile).	1Y return: 6.94% (top quartile).	1Y return: 6.91% (upper mid).	1Y return: 6.91% (upper mid).	1Y return: 6.89% (lower mid).	1Y return: 6.87% (lower mid).	1Y return: 6.87% (bottom quartile).	1Y return: 6.80% (bottom quartile).
Point 6	1M return: 0.49% (top quartile).	1M return: 0.47% (top quartile).	1M return: 0.46% (bottom quartile).	1M return: 0.47% (upper mid).	1M return: 0.47% (upper mid).	1M return: 0.46% (lower mid).	1M return: 0.47% (upper mid).	1M return: 0.46% (bottom quartile).	1M return: 0.46% (lower mid).	1M return: 0.46% (bottom quartile).
Point 7	Sharpe: 3.05 (bottom quartile).	Sharpe: 3.30 (upper mid).	Sharpe: 2.80 (bottom quartile).	Sharpe: 3.64 (top quartile).	Sharpe: 3.33 (upper mid).	Sharpe: 3.63 (top quartile).	Sharpe: 3.23 (upper mid).	Sharpe: 3.10 (lower mid).	Sharpe: 3.19 (lower mid).	Sharpe: 2.93 (bottom quartile).
Point 8	Information ratio: -1.37 (bottom quartile).	Information ratio: -0.82 (lower mid).	Information ratio: -2.27 (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: 0.00 (upper mid).	Information ratio: -0.86 (lower mid).	Information ratio: -1.27 (bottom quartile).
Point 9	Yield to maturity (debt): 5.77% (bottom quartile).	Yield to maturity (debt): 5.81% (lower mid).	Yield to maturity (debt): 5.77% (bottom quartile).	Yield to maturity (debt): 5.85% (upper mid).	Yield to maturity (debt): 5.88% (upper mid).	Yield to maturity (debt): 5.78% (bottom quartile).	Yield to maturity (debt): 5.89% (top quartile).	Yield to maturity (debt): 5.89% (top quartile).	Yield to maturity (debt): 5.86% (upper mid).	Yield to maturity (debt): 5.84% (lower mid).
Point 10	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.12 yrs (lower mid).	Modified duration: 0.13 yrs (bottom quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.12 yrs (bottom quartile).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.11 yrs (upper mid).

Indiabulls Liquid Fund

Bottom quartile AUM (₹393 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.94% (top quartile).
1M return: 0.49% (top quartile).
Sharpe: 3.05 (bottom quartile).
Information ratio: -1.37 (bottom quartile).
Yield to maturity (debt): 5.77% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹513 Cr).
Established history (18+ yrs).
Rating: 5★ (top quartile).
Risk profile: Low.
1Y return: 6.92% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.30 (upper mid).
Information ratio: -0.82 (lower mid).
Yield to maturity (debt): 5.81% (lower mid).
Modified duration: 0.13 yrs (bottom quartile).

JM Liquid Fund

Bottom quartile AUM (₹3,225 Cr).
Oldest track record among peers (27 yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.79% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 2.80 (bottom quartile).
Information ratio: -2.27 (bottom quartile).
Yield to maturity (debt): 5.77% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Axis Liquid Fund

Upper mid AUM (₹36,757 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.94% (top quartile).
1M return: 0.47% (upper mid).
Sharpe: 3.64 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 5.85% (upper mid).
Modified duration: 0.12 yrs (lower mid).

Tata Liquid Fund

Upper mid AUM (₹22,951 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.91% (upper mid).
1M return: 0.47% (upper mid).
Sharpe: 3.33 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 5.88% (upper mid).
Modified duration: 0.13 yrs (bottom quartile).

Invesco India Liquid Fund

Lower mid AUM (₹14,240 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.91% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 3.63 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.78% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹51,913 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.89% (lower mid).
1M return: 0.47% (upper mid).
Sharpe: 3.23 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.89% (top quartile).
Modified duration: 0.12 yrs (bottom quartile).

Nippon India Liquid Fund

Upper mid AUM (₹35,388 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.87% (lower mid).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.89% (top quartile).
Modified duration: 0.11 yrs (lower mid).

ICICI Prudential Liquid Fund

Top quartile AUM (₹51,593 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.87% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 3.19 (lower mid).
Information ratio: -0.86 (lower mid).
Yield to maturity (debt): 5.86% (upper mid).
Modified duration: 0.10 yrs (top quartile).

Baroda Pioneer Liquid Fund

Lower mid AUM (₹11,836 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.80% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 2.93 (bottom quartile).
Information ratio: -1.27 (bottom quartile).
Yield to maturity (debt): 5.84% (lower mid).
Modified duration: 0.11 yrs (upper mid).

Disclaimer:
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.