IDFC First Bank And IndusInd Bank Revise FD Rates, Seniors Can Earn Up To 7.75 Per Cent

Two banks, including IDFC First Bank and IndusInd Bank revised fixed deposit (FD) rates during this week, ending on July 25, 2026. The highest rate offered to senior citizens is 7.75 per cent for two to three years tenure. Here are the details of the latest interest rates of FDs with these banks.

IDFC First Bank

IDFC First Bank, a private sector bank, revised FD interest rates on July 25, 2026. The bank has reduced the highest rate by 10 basis points (0.10 per cent). Earlier, it offered the highest of 7.60 per cent, which is now reduced to 7.50 per cent. Besides, the bank has also revised the tenures. The interest rates for senior citizens are:

• 3.50 per cent for seven days to 29 days

• 3.75 per cent for 30 days to 45 days

• 4.75 per cent for 46 days to 90 days

• 5.25 per cent for 91 days to 180 days

• 6.75 per cent for 181 days to less than one year

• 6.75 per cent for one year

• 6.75 per cent for one year one day to 370 days

• 7.25 per cent for 371 days to 390 days

• 7.50 per cent for 391 days to 499 days

• 7.60 per cent for 500 days to three years

• 7.00 per cent for three years one day to five years

• 6.25 per cent for five years one day to 10 years

IndusInd Bank

IndusInd Bank revised FD interest rates on July 24, 2026. It offers a maximum of 7.75 per cent to seniors, including the additional 0.50 per cent interest rate over the card rates. Seniors can avail of:

• 3.75 per cent for seven days to 30 days

• 4.00 per cent for 31 days to 45 days

• 5.00 per cent for 46 days to 60 days

• 5.25 per cent for 61 days to 90 days

• 5.50 per cent for 91 days to 120 days

• 5.50 per cent for 121 days to 179 days

• 6.50 per cent for 180 days

• 6.25 per cent for 181 days to 210 days

• 6.50 per cent for 211 days to 269 days

• 6.75 per cent for 270 days to 364 days

• 7.25 per cent for one year to less than one year six months

• 7.40 per cent for one year six months to less than one year seven months

• 7.40 per cent for one year seven months to less than two years

• 7.75 per cent for two years to three years

• 7.15 per cent for more than three years to less than 61 months

• 7.00 per cent for 61 months and above

These rates apply to callable FDs valued less than Rs 3 crore.