IDBI Bank Suvidha Fixed Deposits have always stood for safety, credibility and attractive rates of interest.  What’s more, our interest rates are among the highest in the industry so you get the benefit of high rates of return on your savings. These deposits have been further packed with the following features :

• Anytime access to your deposits
• Deposits across tenures of 15 days to 9 years
• Various Options to suit your needs.

Please go through the options given below to find out the one that suits your requirements the most.

For those who seek regular incomes
A great option for people who require interest income at regular intervals. The interest income will be credited automatically into your savings account at the interval (Monthly/Quarterly) specified by you. The deposit is automatically renewed on maturity so that you don't lose interest for a single day. What's more you can book your Fixed Deposit with only Rs. 10,000.

Ideal for those how want a higher rate of return combined with a low risk Fixed Deposit
This option re-invests the interest earned on your deposit, every quarter resulting in a higher rate of return for you. For example, the interest rate for a 2 years + 1 day deposit is 5.80% p.a. but the effective yield is higher at 6.11% p.a. on account of re-investment of the interest earned. Also, there is automatic renewal of FDs on maturity hence you don't lose interest for a single day. What's more you can book your Fixed Deposit with only Rs. 10,000

Ideal for those who want to save a fixed sum every month
This type of deposit helps you add to your savings at your complete convenience. You can start saving any amount from Rs. 100 to Rs. 1 lakh every month. The amount as decided by you, will be deducted every month from your savings account. Further, there is no Tax deducted at source on these deposits and also no charges for executing your standing instructions.

Earn fixed deposit rate on your savings account
This option offers you the flexibility of a savings account combined with the safety and higher rate of interest of an FD. Open a zero balance savings account and you can link multiple FDs to your savings account (minimum FD relationship required is Rs. 50,000). If there are no funds in the savings account the same can be broken (in multiples of Rs. 1,000) from the FD through a debit card or a cheque. Moreover, the FD booked last will be broken first so that you lose the least amount of interest.

Tide over your urgent cash requirements without breaking your Fixed Deposit
This option allows you to continue earning the higher rate of interest on an FD and at the same time, you meet your monetary requirements. An overdraft of upto 90% of the FD/Multiple FDs held with the bank, will be setup in your zero balance savings account. The overdraft can be availed against an FD amount of Rs. 50,000 or higher at very competitive rates. Moreover, the overdraft is first given on the FD earning least interest so that your interest payout is minimized.

Earn higher rates
If you are a senior citizen, you have the advantage of earning higher interest on your regular income plans and reinvestment plans. Our interest rates for senior citizens are higher by 0.50% pa. You can choose from tenure ranging from 46 days to 9 years for minimum deposits starting from Rs 10,000.