Fixed deposits continue to be a reliable method for thousands of cautious savers to grow their hard-earned money without having to worry about market fluctuations. Now, IDBI Bank has given depositors more reason to smile. The lender has revised its FD interest rates across tenures and extended the popular Utsav Fixed Deposit scheme—offering attractive returns of up to 7.30% for super senior citizens.
Revised FD rates from September 19, 2025
According to the bank’s website, the new FD interest rates apply to retail term deposits of less than ₹3 crore. After revision, general customers will earn between 3% and 6.55% across regular deposit slabs, while senior citizens can fetch between 3.50% and 7.05%. The highest standard rate of 6.55% is available for tenures between one and three years, while seniors enjoy 7.05% for the same duration.
Latest IDBI Bank FD Interest Rates
| Maturity Slab | General Customers | Senior Citizens |
| 07-30 days | 3.00% | 3.50% |
| 31-45 days | 3.25% | 3.75% |
| 46-60 days | 4.50% | 5.00% |
| 61-90 days | 4.75% | 5.25% |
| 91 days-6 months | 5.50% | 6.00% |
| 6 months-270 days | 5.75% | 6.25% |
| 271d-<1 year | 6.00% | 6.50% |
| 1-2 years | 6.55% | 7.05% |
| >2-<3 years | 6.55% | 7.05% |
| 3-5 years | 6.35% | 6.85% |
| 5-10 years | 5.95% | 6.45% |
| 10-20 years | 4.80% | 5.30% |
| Tax Saver (5y) | 6.35% | 6.85% |
| Vasundhara FD (1111d) | 6.35% | 6.85% |
The deadline for IDBI’s Special Utsav FD has been extended from September 30, 2025, to March 31, 2026. Depositors who have tenures of 444, 555, and 700 days are eligible for special rates under this scheme. Returns for general customers range from 6.50% to 6.65%, while those for seniors range from 7.00% to 7.15%.
Chiranjeevi FD for super seniors:
To honor the oldest depositors, IDBI offers an exclusive Chiranjeevi FD to those who are 80 years of age or older. Beginning on September 19, 2025, super seniors can receive a 555-day deposit with a maximum return of 7.30%.
Penalty for premature withdrawal:
The bank has made it clear that there will be a 1% penalty for early closures. Interest will be computed using the current rate on the original date of deposit and the actual tenure completed.
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