IDFC First Bank – BankAuctionList

About IDFC First

IDFC First Bank was formed in December 2018 by the merger of IDFC Bank and Capital First. Led by V. Vaidyanathan, the bank focuses on retail and commercial banking with customer-friendly products like zero-fee banking and high savings interest rates.

                                📱
                                IDFC First Bank App
                                Mobile App
                            

💵 Savings Account

4.00% Interest Rate

Minimum Balance Requirements

Metro/Urban: Rs. 10,000
Semi-Urban: Rs. 5,000
Rural: Rs. 2,500

First Savings Account

Account Features

Free Visa Platinum Debit Card Free NEFT/RTGS No penalty on non-maintenance Mobile Banking Lifetime Free

💰 Fixed Deposit (FD) Interest Rates

Tenure	Interest Rate
7-14 days	3.50%
15-29 days	4.50%
30-45 days	5.00%
46-90 days	5.50%
91-180 days	6.00%
181 days - 1 year	6.75%
1-2 years	7.25%
2-3 years	7.25%
3-5 years	7.00%
5-10 years	6.75%
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
6 months	6.00%
1 year	6.75%
2 years	7.25%
3 years	7.00%
5 years	6.75%

🏠 Loan Interest Rates

Home Loan

8.75% - 10.85%

Processing: 0.50% + GST Max Tenure: 30 years

Car Loan

9.00% - 12.00%

Processing: Nil-0.50% Max Tenure: 7 years

Personal Loan

10.49% - 23.99%

Processing: Up to 2% Max Tenure: 5 years

Education Loan

9.50% - 13.50%

Processing: 1% Max Tenure: 12 years

Gold Loan

9.50% - 17.50%

Processing: Nil-1% Max Tenure: 2 years

Loan Against Property

9.00% - 14.00%

Processing: 0.50% + GST Max Tenure: 20 years

💳 Credit Cards

IDFC First Classic

Annual Fee: Rs. 500 3X rewards on online

IDFC First Select

Annual Fee: Rs. 3,000 Lounge access + rewards

IDFC First Wealth

Annual Fee: Rs. 10,000 Unlimited lounge access

IDFC First Millennia

Annual Fee: Rs. 500 10X rewards on select categories

📦 Locker Charges & Service Fees

🔐 Locker Annual Rent

Small: Rs. 3,000/year
Medium: Rs. 6,000/year
Large: Rs. 12,000/year
Extra Large: Rs. 18,000/year

💸 Service Charges

NEFT (Online): Free
RTGS (Online): Free
IMPS: Free up to Rs. 25,000
Cheque Book: Free
Debit Card Annual: Free
SMS Alerts: Free

📞 Customer Care Numbers

Toll Free 1800-419-4332

General Helpline 1800-10-888

Credit Card 1800-419-4332

NRI Services 1800-10-888

SWIFT Code: IDFBINBB

IFSC Format: IDFB0XXXXXX