IDBI Chiranjeevi–Super Senior Citizen FD Rates 2026

IDBI Bank has launched the ‘IDBI Chiranjeevi-Super Senior Citizen FD’, a special fixed deposit scheme tailored for individuals aged 80 and above. This unique FD scheme offers an additional 15 basis points over the senior citizen fixed deposit rates and an extra 65 basis points compared to the standard fixed deposit rates. Scroll below to get a detailed overview of this exclusive FD scheme.

What Are the Interest Rates Under IDBI Chiranjeevi-Super Senior Citizen FD?

The below table shows the interest rates under the IDBI Chiranjeevi deposit plan:

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What is IDBI Bank Super Senior Citizen FD?

The IDBI Bank Super Senior Citizen FD, known as the Chiranjeevi scheme, is a fixed deposit designed exclusively for resident Indians aged 80 years and above. Launched in 2025, it offers preferential interest rates, special tenures, and higher tax benefits to support the financial needs of advanced-age depositors.

How to Open IDBI Bank Super Senior Citizen FD?

Opening an IDBI Bank Super Senior Citizen FD can be completed through online or offline channels based on customer status.

For existing IDBI customers (online):

• Log in to IDBI NetBanking or the IDBI GO Mobile+ app
• Select the Fixed Deposit or Chiranjeevi Super Citizen FD option
• Choose the applicable special tenure and deposit amount
• Confirm payout preference and submit

For new customers (offline):

• Visit the nearest IDBI Bank branch
• Fill the fixed deposit application form
• Submit required KYC and age-proof documents
• Deposit the minimum amount through cheque or transfer

Terms and Conditions of IDBI Chiranjeevi-Super Senior Citizen FD

The following are the terms and conditions of this super senior citizen fixed deposit scheme:

• Eligibility: This scheme is exclusively for resident super senior citizens aged 80 years and above.
• Premature Withdrawal: You are allowed to withdraw your deposit prematurely under this scheme.
• Exclusions: The special rates for retired staff super senior citizens and general super senior citizens do not apply to NRO (Non-Resident Ordinary) and NRE (Non-Resident External) term deposits.
• Validity: The FD rates under this scheme are valid only for the specific duration of the respective Utsav FD buckets.
• Other Terms: All other existing features and conditions of standard term deposits remain unchanged and are applicable to this scheme.

The IDBI Chiranjeevi-Super Senior Citizen FD is a thoughtfully designed scheme that offers higher interest rates to cater to the financial needs of individuals aged 80 and above. With attractive returns and flexible features like premature withdrawal, this FD is an excellent option for super senior citizens seeking secure investments.

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