IDFC FIRST Bank की नवीनतम ब्याज दरें - September 2026

IDFC FIRST Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Current official deposit interest rates and retail lending schemes from IDFC FIRST Bank (IDFC):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate starts at 2.50% p.a. on balances up to ₹3 Lakh, scaling up progressively to 6.50% p.a. on balances between ₹3 Lakh and ₹25 Crore with monthly interest compounding.
• Retail Term Deposits (FD): General 1-Year domestic term deposit rate stands at 6.50% p.a. (Senior citizens receive an additional +0.25% to +0.50% reaching 6.75% – 7.00% p.a.). The 500-day to 3-year special buckets offer peak yields up to 7.10% p.a. for general depositors (7.35% – 7.50% p.a. for senior citizens).
• Home Loans (Housing Advance): Floating interest rates start from 8.85% p.a. linked to External Benchmark Lending Rates (EBLR/RLLR), featuring repayment tenures up to 30 years and zero prepayment penalties.
• Vehicle & Personal Loans: New car loan financing rates start from 9.99% p.a. for tenures up to 7 years. FIRSTmoney instant personal loans start from 9.99% p.a. on a reducing balance basis.
• Credit Cards: IDFC FIRST Bank features dynamic, personalized credit card APRs starting from 9.00% p.a. up to a standard maximum cap of 43.80% p.a. (0.75% to 3.65% per month), with an interest-free grace period of up to 48 days.

💡 Financial Recommendation: Maintaining a CIBIL credit score of 750 or above qualifies applicants for IDFC FIRST Bank's lowest risk-spread tier over EBLR and provides waivers on digital documentation and loan processing charges.