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Updated: 27-06-2025 11:34:59 AM

The Industrial Development Bank of India (IDBI) offers personalised financial and banking solutions to corporate and retail customers. To encourage the customers to develop the habit of saving, IDBI has come up with an array of savings accounts.

IDBI Bank Savings Account Interest Rates 2025

IDBI Bank Savings Account Balance Rate of Interest (%, p.a.)
Up to Rs. 1 lakh 2.60
Above Rs.1 lakh to Rs. 5 lakh 2.65
Above Rs. 5 lakh to Rs. 5 crore 2.70
Above Rs. 5 crores to Rs. 100 crores 3.10
Above Rs. 100 crores to Rs.1000 crores 3.10
Above Rs. 1000 crores to Rs. 1500 crores MIBOR + 10 bps
Above Rs. 1500 crores to Rs. 2000 crores MIBOR  + 40 bps
Above Rs. 2000 crores to Rs. 5000 crores MIBOR  + 75 bps
Above Rs. 5000 crores MIBOR  + 65 bps

Note: The above-mentioned interest rates are updated as on 27 June 2025. with effect from 18 June 2025.

Types of IDBI Bank Savings Accounts
How to Open IDBI Bank Savings Account?

Types of IDBI Bank Savings Accounts

IDBI is one of the top banks in India offering a number of savings account options to choose from. You can evaluate your requirements and objective to pick the right IDBI Bank savings account.

Types of IDBI Bank Savings Accounts Primary Features
IDBI Super Savings Account
  • International Debit cum ATM Card
  • Free five ATM transactions at other Bank ATMs at Non Metro Locations
IDBI Bank Small Account (Relaxed KYC)
  • Zero Balance Savings Account
  • Free Debit cum ATM card
IDBI Bank Sabka Basic Savings Account (Complete KYC)
  • Zero Balance Savings Account
  • Free International Debit cum ATM card
IDBI Bank Jubilee Plus Senior Citizen Account
  • Zero Balance Savings Account
  • Auto Sweep Facility
IDBI Bank SuperShakti (Women’s) Account
  • ATM Withdrawal Limit – Rs. 40000 per day
  • Auto Sweep Facility
IDBI Bank Being Me Account (For Youth)
  • Exclusively Designed Being Me Debit cum ATM Card
  • ATM Withdrawal Limit – Rs. 25000
IDBI Bank Power Kids Account
  • Exclusive designed Kids ATM Card**
  • Free five ATM transactions at other Bank ATMs at Non Metro Locations
IDBI Bank Pension Savings Account (Central Govt. Employees)
  • Zero Balance Savings Account
  • International ATM cum Debit card
Capital Gain Account Scheme
  • Minimum Amount: Rs. 10,000
  • Maximum Amount: Rs. 100 crore
State & Central Government Salary Account
  • Zero Balance Savings Account
  • Auto Sweep Facility
Imperial Salary Account
  • Free Gold Debit Card
  • Internet Banking / Mobile Banking Available
Crown Salary Account
  • Free Gold Debit Card
  • Internet Banking / Mobile Banking Available
Star Salary Account
  • Zero Balance Savings Account
  • Free International Classic debit-cum-ATM card
Prime Salary Account
  • Zero Balance Savings Account
  • Free International Classic debit-cum-ATM card
Pride Salary Accounts
  • Zero Balance Savings Account
  • Free International Classic debit-cum-ATM card
Indian Army Salary Accounts
  • Free international Debit cum ATM card
  • Zero Balance Savings Account
Indian Navy Salary Accounts
  • Auto Sweep Facility
  • Zero Balance Savings Account

**Not available to Under Guardianship minor account.

1. IDBI Super Savings Account

IDBI Bank Super Savings Account Features
Minimum Balance Requirement (MAB)

Metro & Urban Branches – Rs. 5000

Semi-Urban Branches – Rs. 2500

Rural Branches – Rs. 500
Interest Rate 4.00% per annum
Debit Card International Debit cum ATM Card
Free ATM Transactions Free five ATM transactions at other Bank ATMs at Non Metro Locations
Pass-book facility Available Yes

2. IDBI Bank Small Account (Relaxed KYC)

IDBI Bank Small Account Features
Minimum Balance Requirement (MAB) Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free Debit cum ATM card
Phone Banking / Internet Banking Available Yes
SMS & Email Alerts Yes

3. IDBI Bank Sabka Basic Savings Account (Complete KYC)

IDBI Bank Sabka Basic Savings Account Features
Minimum Balance Requirement (MAB) Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free International Debit cum ATM card
Phone Banking / Internet Banking Available Yes
Cash Deposit Charges (Home & Non-Home Branch) Free (No charges applicable)

4. IDBI Bank Jubilee Plus Senior Citizen Account

IDBI Bank Senior Citizen Account Features
Minimum Balance Requirement (MAB) Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
ATM Withdrawal Limit Rs. 50,000 per day
Auto Sweep Facility Yes
No. of free transactions at Other Bank ATMs Free 10 transactions

5. IDBI Bank SuperShakti (Women’s) Account

IDBI Bank SuperShakti Women Account Features
Minimum Balance Requirement (MAB) Metro & Urban – Rs. 5000

Semi-Urban – Rs. 2500

Rural – Rs. 500
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
ATM Withdrawal Limit Rs. 40,000 per day
Auto Sweep Facility Yes
No. of free transactions at Other Bank ATMs Free 10 transactions

6. IDBI Bank Being Me Account (Savings Account for Youth)

IDBI Bank Being Me Account (For Youth) Features
Account Opening Amount Rs. 2500
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Exclusively Designed Being Me Debit cum ATM Card
ATM Withdrawal Limit Rs. 25000
No. of free transactions at Other Bank ATMs Free 5 transactions (Non-Metro Locations)

7. IDBI Bank Power Kids Account

IDBI Bank Power Kids Account Features
Minimum Balance Requirement (MAB) Rs. 500
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Exclusive designed Kids ATM Card**
ATM Withdrawal Limit Rs. 2000
No. of free transactions at Other Bank ATMs Free 5 transactions (Non-Metro Locations)

8. IDBI Bank Pension Savings Account (Central Govt. Employees)

IDBI Bank Pension Savings Account Features
Minimum Balance Requirement (MAB) Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card International ATM cum Debit card
Cheque Book Personalized multicity Cheque Book
No. of free transactions at Other Bank ATMs Free 5 transactions (Non-Metro Locations)

 

9. IDBI Capital Gain Account Scheme

IDBI Bank Capital Gain Account Features
Minimum Amount Rs. 10,000
Maximum Amount Rs. 100 crore
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Types of Deposit Deposit A: Savings Account

Deposit B: Term Deposit Account

(For deposit rates, please click here.)
Eligibility Criteria Resident Individuals, HUFs, Sole Proprietorship firms, Partnership Firms

10. IDBI State & Central Government Salary Account

IDBI State & Central Government Salary Account Features
Minimum Balance Requirement Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Personal Accident death Insurance Complimentary (Cover ranging from Rs 3 lakh – Rs 20 lakh)
NEFT / RTGS / IMPS Transactions Free (through branch channels)
Auto Sweep Facility Yes

11. IDBI Bank Imperial Salary Account

IDBI Bank Imperial Salary Account Features
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free Gold Debit Card
Insurance Cover Personal Accident (Rs. 3 lakh)

Purchase Protection (Up to Rs. 50,000 up to 90 days)
Electronic Fund Transfers facility RTGS, Card to Card transfer and Fund Transfer
Internet Banking / Mobile Banking Available Yes

12. IDBI Bank Crown Salary Account

IDBI Bank Crown Salary Account Features
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free Gold Debit Card
Insurance Cover Personal Accident (Rs. 3 lakh)

Purchase Protection (Up to Rs. 50,000 up to 90 days)
Electronic Fund Transfers facility RTGS, Card to Card transfer and Fund Transfer
Internet Banking / Mobile Banking Available Yes

13. IDBI Bank Star Salary Account

IDBI Bank Star Salary Account Features
Minimum Balance Requirement Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free International Classic debit-cum-ATM card
Insurance Cover Personal Accident (Rs. 3 lakh)

Purchase Protection (Rs. 50,000)
Internet Banking / Mobile Banking Available Yes

14. IDBI Bank Prime Salary Account

IDBI Bank Prime Salary Account Features
Minimum Balance Requirement Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free International Classic debit-cum-ATM card
Any Branch Banking Yes (Cash Withdrawals & Deposit at any branch)
Internet Banking / Mobile Banking Available Yes

15. IDBI Bank Pride Salary Account

IDBI Bank Pride Salary Account Features
Minimum Balance Requirement Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free International Classic debit-cum-ATM card
Any Branch Banking Yes (Cash Withdrawals & Deposit at any branch)
Internet Banking / Mobile Banking Available Yes

16. IDBI Bank Indian Army Salary Account

IDBI Bank Indian Army Salary Account Features
Minimum Balance Requirement Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free international Debit cum ATM card
Insurance cover Accidental Insurance and purchase protection at Bank’s cost
Internet Banking / Mobile Banking Available Yes

17. IDBI Bank Indian Navy Salary Account

IDBI Bank Indian Navy Salary Account Features
Minimum Balance Requirement Zero Balance Savings Account
Interest Rate 3.00% p.a. – On balance less than Rs. 50 lakh
3.25% p.a. – On balance equal to Rs. 50 lakh up to Rs 5 crores
3.35% p.a. – On balance above Rs 5 crores
Debit Card Free International Classic debit-cum-ATM card
Auto Sweep  Facility Yes
Internet Banking / Mobile Banking Available Yes

How to Open IDBI Bank Savings Account?

If you want to open IDBI Savings Account, you can call Phone Banking numbers (mentioned below) or visit your Nearest IDBI Branch. IDBI’s customer representative will contact you at the earliest.

IDBI Phone Banking Numbers
Toll-free Numbers

1800-200-1947

1800-22-1070
Call Centre numbers (Chargeable for customers)

022- 66937000 (For our customers)

0091-22-66937000 (For our customers staying abroad)
Hotlisting
1800-22-6999
Debit Card Blocking through SMS

If you remember your Card number

SMS BLOCK <Customer ID> <Card Number> to 5676777

Eg: SMS BLOCK 87656522 4586998765652220 to 5676777

In case you do not remember your Card number

SMS BLOCK <Customer ID> to 5676777

Eg: SMS BLOCK 87656522 to 5676777
Credit Card Queries

24 – Hour Customer Care Toll-free number: 1800 425 7600

Non-Toll free number: 022 – 4042 6013 (Call Charges Applicable)

Email: idbicards@idbi.co.in

Note: The information on this page may not be updated. Kindly refer to the bank website to check the latest information.

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