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IDFC First hits mid-affluent depositors with 200-bps rate reduction
Financial Express Pune
|January 09, 2026
IDFC FIRST BANK'S latest revision of savings account interest rates has created a divide among customer segments, effectively rewarding some depositors while penalising others by reducing interest rates up to 200 basis points (bps).
From January 9, customers maintaining balances between ₹5 lakh and ₹10 lakh face a steep cut. This segment, which previously enjoyed 7% interest, will now earn just 5%, translating into a 200-bps reduction. However, depositors between ₹2 lakh and ₹5 lakh will see a m
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