-
Customer care hotline Call 1800 10 888
Are you ready for an upgrade?
Login to the new experience with best features and services
Notifications
-
As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
-
Activate your Credit Card within minutes and enjoy unlimited benefits
Accounts
Deposits
Loans
- IDFC FIRST Bank Loans
-
Personal Loan
-
Consumer Durable
Loan -
Home Loan
-
Business Loan
-
Professional Loan
-
Education Loan
-
New Car Loan
-
Pre-owned Car Loan
-
Two Wheeler Loan
-
Pre-owned Two
Wheeler Loan -
Commercial Vehicle
Loan -
Gold Loan
-
Loan Against Property
-
Loan Against Securities
-
Easy Buy EMI card
-
Personal Loan
EMI Calculator -
Education Loan
EMI Calculator -
Home Loan
EMI Calculator
Wealth & Insure
Payments
Cards
- IDFC FIRST Bank Cards
-
Ashva :
Metal Credit Card -
Mayura :
Metal Credit Card -
FIRST Millennia
Credit Card -
FIRST Classic
Credit Card -
FIRST Select
Credit Card -
FIRST Wealth
Credit Card -
FIRST WOW!
Credit Card -
Forex Card
-
Deals
-
Debit Cards
-
Co-branded Cards
-
Credit Card
EMI Calculator -
FIRST Corporate
Credit Card -
FIRST Purchase
Credit Card -
FIRST Business
Credit Card
Premium Metal
0% Forex & Travel
Lifetime Free
- Max benefits, Free for life
-
FIRST Classic10X RewardsShoppingNever Expiring Rewards
-
FIRST Millennia10X RewardsShoppingNever Expiring Rewards
-
FIRST Select10X RewardsLifestyle1.99% Forex
-
FIRST Wealth10X RewardsLifestyle1.5% Forex
-
FIRST WOW!RewardsTravelZero Forex
-
LIC ClassicRewardsInsuranceShopping
-
LIC SelectRewardsInsuranceShopping
10X Rewards
- Reward Multipliers
-
AshvaLifestyleMetal₹2,999
-
MayuraLifestyleZero Forex₹5,999
-
FIRST ClassicNever Expiring RewardsShoppingLifetime Free
-
FIRST MillenniaNever Expiring RewardsShoppingLifetime Free
-
FIRST SelectNever Expiring RewardsLifestyleLifetime Free
-
FIRST WealthNever Expiring RewardsLifestyleLifetime Free
UPI Cards
Fuel & Utility
Showstopper
Credit Builder
More
NRI Savings Account
NRI Fixed Deposit
FOREX Solutions
Transfer to NRE
Corporate Account
Cash Management Services
Corporate Lending
Treasury
MSME Accounts
Trade Services
MSME Loan
MSME Solutions
Offers
About Us
Investors
Careers
ESG
Investing in traditional financial instruments like fixed deposits, bonds, and mutual funds is essential for long-term wealth creation. Given that these instruments offer high returns, you may wonder if it makes sense to put your funds in a savings account. The truth is that you must choose a high-interest savings account that helps complement your investments. A high-interest savings account (HISA) serves as a valuable complement to traditional investments by providing liquidity, stability, and risk diversification.
How can a high-interest savings account complement investments?
Seasoned investors leverage high-interest savings accounts to support and supplement their investment strategy. Here's why:
Liquidity for Short-Term Needs
Traditional investments often come with market risks and may require time to liquidate. A high-interest savings account ensures you have immediate access to cash without the need to sell investments at a loss during market downturns.
Capital Preservation
Unlike stocks or mutual funds that fluctuate in value, a high-interest savings account keeps your principal secure while earning interest. This makes it a safe place to park funds needed for emergencies, short-term goals, or future investments.
Earnings on Idle Cash
Instead of letting cash sit in a low-interest account or remain uninvested, a high-interest savings account allows you to earn competitive returns while maintaining flexibility. This is especially useful for setting aside funds for periodic investments.
Risk Diversification
A well-balanced financial strategy includes both growth-oriented investments and stable assets. A high-interest savings account balances out high-risk investments by providing a guaranteed return, mitigating overall portfolio risk.
Tactical Investment Moves
Market timing can be tricky, and a HISA acts as a holding ground for funds until the right investment opportunity arises, ensuring you don’t rush into decisions due to cash constraints.
Emergency and Buffer Fund
Even seasoned investors keep a cash reserve to cover unforeseen expenses like medical bills or job loss. A HISA ensures you’re not forced to liquidate investments in unfavorable market conditions.
Choose IDFC FIRST Bank’s high-interest savings account to complement your investments
By incorporating a high-interest savings account into your financial plan, you ensure stability, liquidity, and ongoing earnings while still participating in higher-growth investment opportunities. If you’re looking for a high-interest savings account to complement your investment goals, here’s why you should choose IDFC FIRST Bank Savings Account:
1. Attractive interest rates with monthly payouts
Unlike many savings accounts that offer lower returns, IDFC FIRST Bank provides competitive interest rates, ensuring that you earn more from your savings. Additionally, the interest is credited monthly, which compounds faster than quarterly or annual interest credits, giving you the best bang for your buck.
2. Instant liquidity without compromise
While fixed deposits and bonds require a lock-in period, a high-interest savings account offers complete liquidity. IDFC FIRST Bank allows unlimited free ATM withdrawals across all banks, ensuring you can access your funds anytime without charges. This makes it an excellent buffer for urgent expenses or market opportunities.
3. Zero-fee banking on all Savings Account services
IDFC FIRST Bank offers zero-fee banking on all Savings Account services. This means no charges for NEFT, RTGS, and IMPS transactions, and no hidden fees, allowing you to maximise your earnings.
4. Higher transaction limits for greater flexibility
With IDFC FIRST Bank Savings Accounts, you get higher transaction limits, ensuring that you can manage large expenses or reinvest funds seamlessly. Whether you're purchasing assets, funding your business, or managing personal finances, this feature adds unmatched flexibility.
5. Seamless digital banking for effortless wealth management
Managing multiple investments can be complex, but IDFC FIRST Bank simplifies it with its award-winning mobile app and net-banking platform. From offering high-growth mutual fund (Ace Mutual Funds) recommendations, tracking all your savings accounts, mutual funds and stocks in one place, to facilitating easy and cost-effective payments, the IDFC FIRST Bank is every smart investor’s power move to growing wealth.
Conclusion
While traditional investments have their place in long-term wealth creation, they often lack the flexibility and liquidity that individuals need for day-to-day savings and emergencies. The IDFC FIRST Bank high interest savings account bridges this gap, offering competitive interest rates, unmatched liquidity, and additional benefits that empower customers to save and grow their wealth effortlessly. Open an account today!