Compare IDFC FIRST Bank Fixed Deposit and YES BANK Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Savers comparing higher mid-tenure bank FD rates who also value monthly/quarterly payout options and the bank's stated senior-citizen premature-closure concession.
Depositors comparing higher mid-tenure rates who can lock money for the relevant tenure and want the bank's published payout-frequency flexibility.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/idfc-first-bank-fixed-deposit-vs-yes-bank-fixed-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
1 attached source. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
1 attached source. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | IDFC FIRST Bank Fixed Deposit | YES BANK Fixed Deposit |
|---|---|---|
| Current rate evidence | Rates effective 25 July 2026 for deposits below ₹3 crore range from 3.25% to 7.25% p.a. for general customers and up to 7.50% p.a. for senior citizens; the 500-days-to-3-years band carries the reviewed peak rate. | Rates effective 2 June 2026 for deposits below ₹3 crore reach 7.25% p.a. for regular customers and 7.75% p.a. for eligible senior citizens in selected tenure bands. |
| Tenure / deposit band | Tenures run from 7 days to 10 years; the reviewed FAQ states a ₹10,000 minimum for branch-booked fixed deposits. | Minimum booking amount is ₹10,000; available tenure range is 7 days to 10 years. |
| Payout / deposit features | Reinvestment/cumulative, monthly and quarterly payout choices; overdraft can be available up to 90% of FD amount under current terms; DICGC coverage applies within statutory limits. | Monthly, quarterly or maturity interest payouts, digital booking through YES Online/iris/other supported bank channels, and additional senior-citizen rates under current conditions. |
| Liquidity / premature withdrawal | Premature withdrawal is allowed subject to the prescribed penalty; reviewed terms state no premature-closure penalty for eligible senior-citizen FDs below ₹3 crore. | Reinvestment has a minimum tenure of 6 months and 1 day; premature withdrawal and monthly-payout calculations follow current bank terms and may reduce realised yield. |
| Eligibility | Eligible customers under IDFC FIRST Bank deposit KYC rules; senior-citizen premium applies from age 60 under current terms. | Eligible depositors under YES BANK KYC rules; senior-citizen additional rates apply to eligible resident customers. |
| Rate / booking condition | The rate and premature-closure rule are determined by the deposit's booking date, amount, tenure and customer category. | The rate is locked according to amount, tenure and customer category at booking; larger deposits use separate rate tables. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | IDFC FIRST Bank Fixed Deposit | YES BANK Fixed Deposit |
|---|---|---|
| 1 year | 6.50% · senior 6.75% | 6.65% · senior 7.15% |
| 2 years | 7.25% · senior 7.50% | 7.00% · senior 7.50% |
| 3 years | 7.25% · senior 7.50% | 7.00% · senior 7.75% |
| 4 years | 6.75% · senior 7.00% | 7.00% · senior 7.75% |
| 5 years | 6.75% · senior 7.00% | 6.75% · senior 7.50% |
Schedule reference: July 25, 2026. IDFC FIRST retail fixed-deposit table below ₹3 crore.
Schedule reference: June 2, 2026. YES BANK retail fixed-deposit schedule below ₹3 crore.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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One side's source depth or freshness never fills a gap in the other record.
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Reviewed September 9, 2026 · 1 attached first-party source
Reviewed September 9, 2026 · 1 attached first-party source