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  • 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.

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Grow Your Savings with Up to 7% p.a.

Enjoy zero-fee banking, monthly interest credits and tailored accounts for every need.

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Why Choose IDFC FIRST Bank Savings Accounts?

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High Interest Rates

Earn up to 7% p.a. on your savings.

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Zero-Fee Banking

No charges on savings account services like IMPS, NEFT, RTGS, ATM withdrawals, and more.

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Monthly Interest Credits

Grow your savings faster with monthly payouts.

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Digital Convenience

Open and manage your account online with ease.

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Exclusive Benefits

Enjoy debit card offers, insurance, and lounge access.

Types of IDFC FIRST Bank Savings Accounts

Here’s a comprehensive list of IDFC FIRST Bank savings accounts, each crafted for specific customer needs:

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Regular Savings Account

A versatile account for everyday banking with premium features.

  • ₹10,000 AMB: Complimentary ₹5 lakh Personal Accident Insurance, ₹30 lakh Air Accident Insurance 
  • ₹25,000 AMB: Complimentary domestic airport lounge access (1/quarter), ₹35 lakh Personal Accident Insurance, ₹1 cr Air Accident Insurance
Open an Account Know More
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Corporate Salary Account

A zero-balance account for salaried professionals.

  • Free personal accident insurance (up to ₹50 lakh)
  • Travel Benefits like Trip Cancellation  (up to ₹50,000) 
  • Complimentary Domestic Lounge Access (2 per quarter)
Open an Account Know More
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Senior Citizen Savings Account

Tailored for retirees with exclusive health and banking benefits.

  • Free MediBuddy health benefits (1 year)
  • Cyber insurance (₹2 lakh)
  • Doorstep banking
Open an Account Know More
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FIRST Power Savings Account (For Women)

Empowering women with financial independence and rewards.

  • Free MediBuddy health benefits (1 year)
  • Up to 12% discount on popular brands
  • Up to 50% discount on locker rental (1 year)
Open an Account Know More
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Minor Savings Account

A savings plan for children operated by guardians or self-operated by minors.

  • Minor Savings Account (Under Guardian): For kids below 18
  • FIRST Prodigy (Self-Operated): For minors aged 10-18

     

 

Open an Account Know More
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Honour FIRST Defence Account

A tribute to Indian armed forces personnel and veterans.

  • ₹70 lakh accident cover
  • ₹1 crore air accident insuranceGet higher interest rates of up to 7.00% p.a.
  • No minimum balance requirement
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NRI Savings Accounts

Savings accounts in Indian Rupees (₹) for Non-Resident Indians (NRIs).

  • NRE Savings Account: Tax-exempt in India, repatriable funds
  • NRO Savings Account: Manage India-earned income
  • Seafarer Savings Account: For seafarers on international marine vessels or oil rigs
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Nation FIRST Salary Account

For public sector employees in central/state government roles.

  • No minimum balance requirement
  • Personal accidental insurance cover of ₹60 lakh
  • Air accident cover of up to ₹1 Crore
Know More
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Auto Sweep Account

Combines savings with fixed deposit benefits.

  • Idle funds automatically transferred to a Fixed Deposit
  • No penalty for premature FD withdrawal
  • Automatic reverse transfer, if account balance falls below ₹25K AMB
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Interest will be calculated on progressive balances in each Interest Rate Slab, as applicable

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Frequently Asked Questions (FAQs)

What is the highest interest rate offered by IDFC FIRST Bank?

The highest rate is 7% p.a. for balances between ₹5 lakh and < ₹25 crore. For the latest interest rates, please click here. 

Are there any fees for savings account services?

No, IDFC FIRST Bank offers zero-fee banking on common services like ATM withdrawals, NEFT, and RTGS. To see the full list of services under zero-fee banking, click here. 

Can I open a savings account online?

Yes, use the IDFC FIRST Bank website or app with Aadhaar and PAN for a quick Video KYC process. Click here to open a Savings Account online in 3 steps.

Who is eligible for a minor savings account?

Children below 18 with a guardian (or self-operated for ages 10-18) can open this account. To know more about minor Savings Accounts, click here.

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