IDBI Bank has extended the last date to invest in its special Utsav Fixed Deposit (FD) Scheme.
Earlier, this scheme was available only till 30 June 2025, but now customers can invest in it till 30 September 2025.
The bank had also revised its FD interest rates recently, on 12 June 2025, and is now offering full interest benefits to customers.
Under the revised rates, regular customers can earn between 3% and 6.70% interest, depending on the FD duration.
Meanwhile, senior citizens will get an extra 0.50% interest on all FDs. This makes it a safe and attractive investment option.
Utsav FD Scheme: Three Maturity Options
IDBI Bank’s Utsav FD Scheme offers three fixed maturity periods:
444 days
555 days
700 days
You can invest in this FD scheme for amounts less than ₹3 crore. Among the three options, the 555-day FD offers the highest interest rate, making it the most attractive choice for investors.
Interest Rates for Utsav FD
Here are the interest rates under the Utsav FD scheme:
444 days
Regular customers: 6.50%
Senior citizens: 7.35%
555 days
Regular customers: 6.90%
Senior citizens: 7.40%
700 days
Regular customers: 6.85%
Senior citizens: 7.25%
Regular FD Interest Rates by Tenure
Apart from the Utsav FD scheme, IDBI Bank also offers various interest rates on regular FDs, based on the deposit duration:
7 to 30 days – ~3.00%
31 to 45 days – ~3.25%
46 to 60 days – ~4.50%
61 to 90 days – ~4.75%
91 days to 6 months – ~5.50%
6 months 1 day to 270 days – ~5.75%
271 days to less than 1 year – ~6.00%
1 year to 2 years – ~6.55%
More than 2 years to less than 3 years – ~6.70%
5 to 10 years – ~5.95%
10 to 20 years – ~4.80%
5 to 20 years – ~6.25%
