About IDBI
IDBI Bank Limited is an Indian public sector bank headquartered in Mumbai. Originally established as Industrial Development Bank of India (IDBI) in 1964, it was converted to a commercial bank in 2004. LIC acquired majority stake in the bank in 2019.
1,900+
Branches
3,400+
ATMs
18,000+
Employees
IDBI GO
Mobile App
💵 Savings Account
3.00%
Interest Rate
Minimum Balance Requirements
- Metro/Urban: Rs. 5,000
- Semi-Urban: Rs. 2,500
- Rural: Rs. 500
Basic Savings Account
Account Features
💰 Fixed Deposit (FD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 7-14 days | 3.00% |
| 15-29 days | 3.35% |
| 30-45 days | 4.00% |
| 46-90 days | 5.00% |
| 91-180 days | 5.50% |
| 181 days - 1 year | 6.50% |
| 1-2 years | 6.75% |
| 2-3 years | 6.50% |
| 3-5 years | 6.25% |
| 5-10 years | 6.00% |
| Senior Citizen Extra | +0.50% |
* Rates are subject to change. Please verify with the bank before investing.
📈 Recurring Deposit (RD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 1 year | 6.50% |
| 2 years | 6.50% |
| 3 years | 6.25% |
| 5 years | 6.00% |
🏠 Loan Interest Rates
Home Loan
8.40% - 10.75%
Processing: 0.50%
Max Tenure: 30 years
Car Loan
8.50% - 11.00%
Processing: 0.50%
Max Tenure: 7 years
Personal Loan
10.50% - 15.75%
Processing: 1%
Max Tenure: 5 years
Education Loan
8.50% - 11.25%
Processing: Nil
Max Tenure: 15 years
Gold Loan
8.75% - 10.50%
Processing: 0.50%
Max Tenure: 3 years
Loan Against Property
9.25% - 11.50%
Processing: 1%
Max Tenure: 15 years
💳 Credit Cards
IDBI Euphoria
Annual Fee: Rs. 1,500
2 points per Rs. 100
IDBI Winnings
Annual Fee: Rs. 750
1 point per Rs. 100
📦 Locker Charges & Service Fees
🔐 Locker Annual Rent
- Small: Rs. 1,800/year
- Medium: Rs. 3,500/year
- Large: Rs. 7,000/year
- Extra Large: Rs. 11,000/year
💸 Service Charges
- NEFT (Online): Free
- RTGS (Online): Free
- IMPS: Rs. 2 - Rs. 15
- Cheque Book: 10 leaves free
- Debit Card Annual: Rs. 150 - Rs. 350
- SMS Alerts: Rs. 15/quarter
📞 Customer Care Numbers
Toll Free
1800-200-1947
General Helpline
1800-209-4324
Credit Card
1800-200-1947
NRI Services
1800-200-1947
SWIFT Code: IABORINBB
IFSC Format: IBKL0XXXXXX