IDFC Bank RD (Recurring Deposit) Interest Rates 2025

Updated on September 3, 2025 , 7975 views

IDFC Bank offered RD (Recurring Deposits) scheme in order to help the customers save bit by bit regularly and earn interest rates to build wealth for their future.

A Recurring deposit is an investment cum savings option for those who want to save regularly over a certain period of time and earn a higher interest rate. It is a type of term deposit which allows one to save a fixed amount of money every month systematically. If you are familiar with SIP in Mutual Funds, RD works similarly in banking. Every month, a fixed amount of money is deducted either from a savings or a current account. And, at the end of the maturity, investors are paid back their invested money with accrued interest.

A user willing to open an RD account with IDFC Bank can choose any amount and term according to your convenience.

IDFC Bank RD Interest Rates 2025

These are the interest rates for Domestic, NRE & NRO Deposits less than INR 2 Crore.

w.e.f. September 15, 2020

Period	Rate of Interest (%p.a.)
7 - 14 days	2.75%
15 - 29 days	3.00%
30 - 45 days	3.50%
46 - 90 days	4.00%
91 - 180 days	4.50%
181 days – less than 1 year	5.25%
1 year – 499 days	5.75%
500 days	6.00%
501 days – 2 years	5.75%
2 years 1 day – 5 years	5.75%
5 year 1 day - 10 years	5.75%

RD Calculator

Investment Amount:₹180,000

Interest Earned:₹24,660

Maturity Amount: ₹204,660

Tax Saver Deposit

The interest rate applicable to the tax saver deposit for a domestic deposit is-

w.e.f September 15, 2020 for amount less than INR 2 Crores

Period	Rate of Interest (%p.a.)
5 Years	5.75%

IDBI Bank RD Interest Rates (Dec 2016)

Here's the list of IDBI RD Interest Rates on Domestic, NRE & NRO Recurring Deposit (RD) Interest rates for December 7, 2016

Period	Rate of Interest (%p.a.)
6 months	6.75%
9 months	7.00%
12 months	7.25%
15 months	7.25%
18 months	7.25%
21 months	7.25%
24 months	7.25%
27 months	7.25%
36 months	7.25%
39 months	7.20%
48 months	7.20%
60 months	7.20%
90 months	7.20%
120 months	7.00%

IDFC Bank RD Account Advantages

1. IDFC RD account offers high-interest rates
1. There is no penalty if you miss a month
1. One can start IDFC RD account with minimum INR 2000/month
1. Users can save money for as low as six months
1. The process of opening recurring deposit at IDFC bank holds very simple documentation
1. Customers can save small amounts regularly and earn the same attractive interest rate

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IDFC Bank RD Calculator

A Recurring Deposit calculator is a good way of calculating maturity amount on RD. You can follow this method to estimate your RD amount on maturity.

Illustration-

RD Calculator	INR
Monthly Deposit Amount	500
RD in month	60
Rate of Interest	7%
RD Maturity Amount	INR 35,966
Interest Earned	INR 5,966

Why Investing in SIP is Beneficial?

Systematic Investment plan (SIP) is a way to put your money in mutual funds. Investment can be done on a periodic Basis - daily, weekly, monthly or quarterly.
You need to deposit a small amount of money at every interval. The minimum amount can be as low as INR 500.
SIPs can help in all kinds of investment goals, whether short- or long –term, depending on the frequency of investment, funds chosen and other factors.
SIPs offer flexible instalment plans of daily, weekly, monthly, quarterly etc.
Returns can be earned better here. The longer you invest via a SIP in mutual funds, especially in an Equity Fund, the higher are the chances to earn good returns.
To Cancel SIP, the investors can simply close their investment and withdraw their money without any penal charges.

Best Performing SIPs to Invest 2025

Here's a list of best performing SIP for an investment horizon above of five years and above

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP US Flexible Equity Fund Growth	₹68.7384 ↑ 1.09	₹989	500	13.3	21.2	27.2	20	17.3	17.8
Franklin Asian Equity Fund Growth	₹31.838 ↓ -0.13	₹270	500	7.5	13.2	14.5	9.3	3.6	14.4
Invesco India Growth Opportunities Fund Growth	₹101.66 ↑ 0.47	₹8,007	100	3.9	22.2	7.3	24.8	24.3	37.5
ICICI Prudential Banking and Financial Services Fund Growth	₹130.96 ↑ 0.18	₹9,930	100	-1.3	13	5.8	14.7	20.3	11.6
Motilal Oswal Multicap 35 Fund Growth	₹62.3262 ↓ -0.17	₹13,727	500	3.7	13.6	3.6	22.4	19.8	45.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP US Flexible Equity Fund	Franklin Asian Equity Fund	Invesco India Growth Opportunities Fund	ICICI Prudential Banking and Financial Services Fund	Motilal Oswal Multicap 35 Fund
Point 1	Bottom quartile AUM (₹989 Cr).	Bottom quartile AUM (₹270 Cr).	Lower mid AUM (₹8,007 Cr).	Upper mid AUM (₹9,930 Cr).	Highest AUM (₹13,727 Cr).
Point 2	Established history (13+ yrs).	Established history (17+ yrs).	Oldest track record among peers (18 yrs).	Established history (17+ yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 17.32% (bottom quartile).	5Y return: 3.64% (bottom quartile).	5Y return: 24.29% (top quartile).	5Y return: 20.29% (upper mid).	5Y return: 19.79% (lower mid).
Point 6	3Y return: 20.02% (lower mid).	3Y return: 9.27% (bottom quartile).	3Y return: 24.75% (top quartile).	3Y return: 14.68% (bottom quartile).	3Y return: 22.38% (upper mid).
Point 7	1Y return: 27.19% (top quartile).	1Y return: 14.53% (upper mid).	1Y return: 7.29% (lower mid).	1Y return: 5.82% (bottom quartile).	1Y return: 3.55% (bottom quartile).
Point 8	Alpha: -1.71 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 12.86 (top quartile).	Alpha: -3.35 (bottom quartile).	Alpha: 10.18 (upper mid).
Point 9	Sharpe: 0.78 (top quartile).	Sharpe: 0.57 (upper mid).	Sharpe: 0.28 (bottom quartile).	Sharpe: 0.37 (lower mid).	Sharpe: 0.11 (bottom quartile).
Point 10	Information ratio: -0.40 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 1.21 (top quartile).	Information ratio: 0.18 (lower mid).	Information ratio: 0.80 (upper mid).

DSP US Flexible Equity Fund

Bottom quartile AUM (₹989 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.32% (bottom quartile).
3Y return: 20.02% (lower mid).
1Y return: 27.19% (top quartile).
Alpha: -1.71 (bottom quartile).
Sharpe: 0.78 (top quartile).
Information ratio: -0.40 (bottom quartile).

Franklin Asian Equity Fund

Bottom quartile AUM (₹270 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 3.64% (bottom quartile).
3Y return: 9.27% (bottom quartile).
1Y return: 14.53% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.57 (upper mid).
Information ratio: 0.00 (bottom quartile).

Invesco India Growth Opportunities Fund

Lower mid AUM (₹8,007 Cr).
Oldest track record among peers (18 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.29% (top quartile).
3Y return: 24.75% (top quartile).
1Y return: 7.29% (lower mid).
Alpha: 12.86 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: 1.21 (top quartile).

ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹9,930 Cr).
Established history (17+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: High.
5Y return: 20.29% (upper mid).
3Y return: 14.68% (bottom quartile).
1Y return: 5.82% (bottom quartile).
Alpha: -3.35 (bottom quartile).
Sharpe: 0.37 (lower mid).
Information ratio: 0.18 (lower mid).

Motilal Oswal Multicap 35 Fund

Highest AUM (₹13,727 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.79% (lower mid).
3Y return: 22.38% (upper mid).
1Y return: 3.55% (bottom quartile).
Alpha: 10.18 (upper mid).
Sharpe: 0.11 (bottom quartile).
Information ratio: 0.80 (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.