Fixed Deposit: An FD has always been considered the safest investment option for a common man. In a very pleasing development, IDBI Bank has revised its FD interest rates effective September 19, 2025. As a continued benefit, its Utsav Fixed Deposit scheme has also been extended till March 2026. This is advantageous to ordinary investors, senior citizens, and super seniors alike. Revised FD interest rates As per the bank’s website, the new limits apply to retail term deposits for the bank's FDs less than ₹3 crores. For General customers, the interest rate is now between 3.00% – 6.55%. For senior citizens, the interest rates are between 3.50% – 7.05%. For a term of 1 to 3 years, a General customer will earn the maximum interest rate of 6.55% and senior citizens will earn 7.05% for the same term.FD Rates7-30 days: General Customers 3%, Senior Customers 3.50%91 days-6 months: General Customers 5.50%, Seniors 6%1-2 years: General Customers 6.55%, Seniors 7.05%3-5 years: General Customers 6.35%, Seniors 6.85%5-10 years: General Customers 5.95%, Seniors 6.45%.IDBI Utsav FD schemeInterest FD's maturities of 444 days, 555 days, and 700 days, for period of 30 months, and until March 31, 2026, for maturities of 444 days and 555 days, for periods of 30 months onwards. General customers are eligible for these rates: 6.50% and 7.50%, and Seniors for 7% and 7.15%.The bank is also introducing for investors aged 80 years and above, the Chiranjeevi FD. Super Seniors can benefit from earning an interest of 7.30% on deposits for a period of 555 days.Penalty for Premature BreakingThe Institution has said that if any investor seeks to withdraw a Fixed Deposit before its maturity period, such an investor shall be charged a penalty of 1%. Any interest would be calculated at the rate obtaining on the day the deemed Fixed Deposit was opened for the number of days that it was operational. On the whole, IDBI Bank's new FD rate would enable an investor to earn a safe investment at a higher return. Wish would be a tremendous gift for the investment community those days just before the holidays, particularly for the aged and super aged.''``