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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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Now your Fixed Deposits can help fix the planet
Invest in a sustainable future with IDFC FIRST Bank’s Green Fixed Deposit
Additional 0.5% p.a. for Senior Citizens
7.25% p.a. for 725 days tenure
GeoTagged tree with every First FD over ₹ 1 lakh
Introducing Green Fixed Deposit
Reliable returns with an environmental impact
While saving your money in a fixed deposit helps you earn returns , investing in a Green Fixed Deposits can help you earn guaranteed returns and save the planet!
Funds from your green deposits will only be used to finance green projects, while still giving you all the flexibility and security of a regular fixed deposits.
What's more, you can track the projects and your impact in our Annual Report to check your contribution to our nation's green finance ecosystem.
Grow your wealth and your impact
With a Green Fixed Deposit you can:
Earn Competitive Returns
Enjoy financial growth with competitive fixed deposits interest rates that align with your commitment to the environment.
Save The Environment
Contribute to positive change by supporting eco-friendly initiatives with your deposits, fostering a sustainable future.
Get Complete Transparency
Gain peace of mind knowing your money is invested in carefully-vetted green projects, with transparent reporting on the environmental impact of your deposits.
Enjoy Complete Safety
Your deposits are secured under the ‘Deposit Insurance and Credit Guarantee Corporation Act, 1961’ (DICGC).
How green will your money be?
Explore the green initiatives that will be funded by your Deposits
Renewable
Energy
Energy
Efficiency
Clean
Transportation
Climate
Change
Adaptation
Water &
Waste
Management
Pollution
Prevention &
Control
Green
Buildings
Natural
Resource
Management
Sustainable
Land Use
Biodiversity
Conservation
More Details
Check Details
- Investment Amount ₹5,000 to less than ₹3 cr Fixed Deposit
- Offered via Branch & Mobile Banking App for Existing customers & Branches only for New to Bank customers
- Tenure 725 days only
- Eligibility Resident Indian Individuals only
- Taxability of returns Taxable, as regular fixed deposits
- Overdraft Overdraft Facility available
- Premature Withdrawals As per bank policy (no penalty for Senior Citizens)
- Interest rates Same as regular fixed deposits*
Our Impact
We're doing our bit to help fix the planet. Now, you can too.
3.5+
Lakh
WASH loans
Disbursed
2.10+
Lakh
Two-wheeler
EVs financed
ISO 14001
& 45001
Certified offices
(incl. HQ)
A testament to our commitment to sustainability
Golden Peacock Award in ESG Sep 2023 (National)
Outstanding Commitment to ESG Performance in India Sep 2023
ESG rising Star & Sustainability Impact Award 2023
Breaking Ground in WASH Financing Dec 2021
Best Sustainable Bank Strategy Oct 2022
Green FD of ₹1,00,000 for 725 days at 7.25% rate of interest paid out on maturity
Interest Rate
7.25% p.a.![]()
Maturity Value
₹1,15,319
FAQs
What are Green Fixed Deposits ?
Green Fixed Deposits are interest-bearing deposits, received by a Regulated Entity such as a Bank for a fixed period, the proceeds of which are earmarked towards financing green projects and activities.
How are Green Fixed Deposits different from regular Deposits?
The primary difference between Green Fixed Deposits and a Regular Deposits is the utilization funds by the Bank. In a Regular Deposits, the proceeds are typically deployed towards a range of activities and projects and activities, while a Green Fixed Deposits specifically finances environmentally friendly projects and activities.
These activities include financing renewable energy initiatives, water and sanitation projects, electric vehicles and more. It is a great choice for conscious and conscientious investors, who prefer their investments to work for the betterment of the environment, while earning an attractive interest on the Deposits.
What are the benefits of investing in Green Fixed Deposits?
By opting for Green Fixed Deposits, you will be playing a part in ushering in a greener and sustainable future. The entire amount of your investment will be directed towards green activities and projects, while you will receive standard interest rates.
Who is eligible to invest in Green Fixed Deposits?
Currently Green Fixed Deposits are being offered to Resident Individuals only and are offered through our Mobile Banking app and our extensive branch banking network.
What is the minimum and maximum principal amount I can invest in a Green Fixed Deposit?
Currently, Green Fixed Deposits are being offered with a minimum principal amount of Rs. 5000 to < Rs. 3 Cr. only.
What is the minimum and maximum tenure of Green Fixed Deposits?
Presently, the Bank is offering Green Fixed Deposits for a tenure of 725 days only.
Will Senior Citizens get preferential rates on Green Fixed Deposits, just like in regular deposits?
Yes, Senior Citizen Deposits will earn 0.5% p.a. additional Rate of Interest (ROI) on Green Fixed Deposits and are in line with the Bank’s Policy of ROI for Fixed Deposits for Senior Citizens.
Are the returns on Green Fixed Deposits taxable?
Yes, the returns earned from Green Fixed Deposits are subject to income tax as per the prevailing tax laws in India.
Can I opt for a monthly/ quarterly payout of interest on a Green Fixed Deposit?
Yes, you can opt for an interest payout option from monthly, quarterly or at maturity for Green Fixed Deposits at the Bank.
Can I withdraw my money before the Green Fixed Deposits matures?
Yes, you can withdraw your money before maturity. The penalty charged on premature closure/withdrawal and/or partial closure/withdrawal of Green Fixed Deposits is 1% on the applicable rate of interest, except for Senior Citizens as per Bank’s policy.
Are Green Fixed Deposits safe? Are they covered by Deposit Insurance and Credit Guarantee Corporation (DICGC)?
Just like regular Fixed Deposits, Green Fixed Deposits offered by IDFC FIRST Bank are safe. Further, they are covered by DICGC in accordance with the Deposit Insurance and Credit Guarantee Corporation Act, 1961 and the regulations framed thereunder, as amended from time to time.
How will I know where Green Fixed Deposits funds have been utilized?
The annual fund utilization will be published in the Bank’s Annual Report.
Can the Green Fixed deposits be denominated in foreign currency?
No. The current Framework on Green Deposits from RBI permits these Deposits to be denominated in Indian Rupees only.
Can I get Overdraft facility against Green Fixed Deposits?
Yes, OD facility can be availed on Green Fixed Deposits.
Will investing in Green FixedDeposits offer differential interest rates?
As per the extant guidelines as below, Regulated Entities are not permitted to offer any differential rate of interest on Green Deposits.
For more information please click here - Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2016 dated March 03, 2016