RBL Bank FD Rates
Ratnakar Bank Limited (RBL) offers competitive interest rates on its Fixed Deposit (FD) accounts. Currently, the RBL bank FD rates range from 3.50% to 8.00% for regular citizens, depending on the maturity period selected, which can range from 7 days to 10 years. Additionally, senior citizens are offered an additional interest rate of 0.50%.
Investment Plans
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Save upto ₹46,800 in tax under Sec 80C
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Inbuilt Life Cover
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Tax Free Returns Unlike FD+
Buy Online & Get upto 4% extra#
In-built life cover
Get Guaranteed returns up to 7.1%*
Fully Tax-Free* (unlike FD), Life Cover Included
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- FD Interest Rates
- RBL Bank FD Rates
RBL Bank FD Rates for Deposits Below Rs. 2 Crores
| Tenure | Regular FD Interest Rates (in % p.a.) | Senior Citizen Interest Rates (in % p.a.) | NRE Interest Rates (in % p.a.) | NRO Interest Rates (in % p.a.) |
| 7 – 14 days | 3.50% | 4.00% | NA | 3.50% |
| 15 – 45 days | 4.00% | 4.50% | NA | 4.00% |
| 46 – 90 days | 4.50% | 5.00% | NA | 4.50% |
| 91 – 180 days | 4.75% | 5.25% | NA | 4.75% |
| 181 – 240 days | 5.50% | 6.00% | NA | 5.50% |
| 241 – 364 days | 6.05% | 6.55% | NA | 6.05% |
| 365 – 452 days (12 to < 15 months) | 7.50% | 8.00% | 7.50% | 7.50% |
| 453 -545 days (15 to < 18 months) | 7.80% | 8.30% | 7.80% | 7.80% |
| 546 days – 24 months (18 – 24 months) | 8.00% | 8.50% | 8.00% | 8.00% |
| 24 to < 36 months | 7.50% | 8.00% | 7.50% | 7.50% |
| 36 months to < 60 months 1 day | 7.10% | 7.60% | 7.10% | 7.10% |
| 60 months 2 days – 240 months | 7.00% | 7.50% | 7.00% | 7.00% |
| Tax Savings FDs (60 months) | 7.10% | 7.60% | NA | 7.10% |
RBL Bank Tax Saver Deposit
| Tenure | Regular Citizens | Senior Citizens |
| 5 years | 7.10% | 7.60% |
RBL FCNR (B) Deposit Rates
| Period | US$ | GB£ | EU€ | AU$ | SG$ | JP¥ | CA$ | CH₣ |
| ≥ 1 year to < 2 years | 6.10% | 4.00% | 3.00% | 3.50% | 4.05% | 0.05% | 2.75% | 0.95% |
| ≥ 2 years to < 3 years | 5.50% | 4.20% | 2.20% | 3.50% | 3.75% | 0.05% | 2.50% | 0.95% |
| ≥ 3 years but < 4 years | 4.40% | 4.00% | 2.00% | 2.85% | 1.30% | 0.06% | 2.25% | 0.25% |
| ≥ 4 year but < 5 years | 4.45% | 3.00% | 2.00% | 2.75% | 1.35% | 0.06% | 2.00% | 0.05% |
| 5 years | 6.00% | 3.00% | 2.00% | 2.60% | 1.40% | 0.06% | 2.00% | 0.05% |
Types of RBL Bank FD Deposits
The types of fixed deposits offered by RBL Bank are:
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Regular Fixed Deposits
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Tax Savings Fixed Deposits
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Digital Fixed Deposit
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Flexi Sure Fixed Deposits
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Senior Citizen Fixed Deposits
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Super Senior Citizen Fixed Deposits
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ACE Fixed Deposit
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Smart Deposit
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Regular Fixed Deposits
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Ideal for those with limited income relying on interest to cover monthly expenses
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Choose FD interest payouts: monthly, quarterly, or at maturity
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Booking period: 7 days to 10 years
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Nomination facility provided
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Option for premature or partial withdrawal from the term deposit
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Overdraft facility available against the term deposit
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Easy online booking through Internet Banking and Mobile Banking
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The penalty of 1% for FD premature withdrawal, interest calculated at the prevailing rate
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RBL Bank Tax Saving Fixed Deposits
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Maximize tax savings with guaranteed returns
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Combines competitive RBL bank rates, flexible tenure, and Section 80C tax exemption
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Tax exemption on amounts in multiples of Rs. 100 up to a maximum of Rs. 1.5 lakhs
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Tenure of 5 years
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Nomination facility available
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No premature or partial withdrawal allowed
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Joint deposits: Tax benefit under Section 80C applicable to the first depositor only.
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Penalty for early withdrawal: Interest calculated at the prevailing rate with less than 1% penalty.
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Simple interest for deposits less than 181 days
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Digital Fixed Deposits
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Open a Digital FD for a high market interest rate
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No need for an accompanying savings bank account
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Earn up to 8.00% interest annually without opening a bank account
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Entirely managed online through RBL Bank’s website or RBL MoBank App
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Start with just Rs. 10,000
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Daily Hospital Cash Cover is available
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Open regular, senior citizen, super senior citizen, and tax-saver FDs
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Safe, simple, and fast process.
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Flexi Sure Fixed Deposits
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Connects seamlessly with your Savings or Current account
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Strikes a balance between liquidity and attractive fixed deposit interest rates
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Flexi Sure FDs offer higher interest than regular Savings Accounts
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Shortfall in linked accounts covered by breaking a portion of the linked deposit
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Broken deposit balance continues to earn interest
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Connect your account to multiple deposits for added flexibility
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Penalty for early withdrawal is less than 1% of the prevailing rate
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Simple interest for term deposits less than 181 days
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Senior Citizen Fixed Deposits
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Hassle-free savings for a secure retirement
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Provides extra 0.50% annual interest for ages 60 to under 80
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Interest payout options: monthly, quarterly, or at maturity
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Easy booking through branch or Relationship Manager contact
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Flexible tenure: 7 days to 10 years
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Overdraft (OD) facility for liquidity up to 90% of principal
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Nomination facility available
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No penalty for partial or premature withdrawal for senior citizens
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Simple interest for deposits less than 181 days
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Super Senior Citizen Fixed Deposits
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Tailored for individuals aged 80 and above.
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Preferential interest rate: 0.75% per year
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Benefits include a steady income stream post-retirement
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Online application through RBL MoBank, Internet Banking, or RBL Cares – Chatbot
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Flexible interest payout options: monthly, quarterly, or at maturity
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Easy booking via branch or Relationship Manager contact
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Tenure flexibility: 7 days to 10 years
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Overdraft (OD) facility available for liquidity up to 90% of the principal
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Nomination facility provided.
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No penalty for partial or premature withdrawal for Super Senior Citizens
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Simple interest for deposits less than 181 days
Compare FD Interest Rates of Top Financial InstitutionsBANKS GENERAL CITIZENS SENIOR CITIZEN SBI FD Rates 3.00% - 7.10% 3.50% - 7.60% HDFC Bank FD Rates 3.00% - 7.25% 3.50% - 7.75% ICICI Bank FD Rates 3.00% - 7.10% 3.50% - 7.60% Axis Bank FD Rates 3.50% - 7.20% 3.50% - 7.95% PNB FD Rates 3.50% - 7.25% 4.00% - 7.75% Yes Bank FD Rates 3.25% - 7.00% 3.75% - 7.75% Kotak Mahindra FD Rates 2.75% - 6.20% 3.25% - 6.70% Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75% Union Bank of India FD Rates 3.00% - 5.50% 3.75% - 5.75% Indusind Bank FD Rates 2.75% - 6.00% 3.25% - 6.50% Canara Bank FD Rates 2.93% - 6.40% 2.93% - 6.40% Bank of Baroda FD Rates 3.00% - 5.10% 3.50% - 5.60% IDFC Bank FD Rates 3.50% - 6.00% 4.00% - 6.50% Indian Bank FD Rates 2.90% - 5.15% 3.40% - 5.65% DBS Bank FD Rates 2.50% - 5.50% 2.50% - 5.50% UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30% Bank of India FD Rates 2.85% - 5.35% 3.00% - 6.50% IDBI Bank FD Rates 2.90% - 5.30% 3.40% - 5.90% Central Bank of India FD Rates 2.75% - 5.15% 3.25% - 5.65% Show More -
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ACE Fixed Deposit:
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Non-withdrawable scheme for higher returns
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Better investment option than regular FD
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Available tenure between 1 year to 10 years
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Deposits allowed from Rs. 1 crore to less than Rs. 2 crore
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No premature withdrawal option
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Open to residents, non-resident Indians, and non-individual entities.
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Exclusively available at RBL Bank branches.
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Smart Deposit:
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Open with just Rs. 1,000, add monthly SI for a similar amount
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Maximum deposits of up to Rs. 5 lakhs
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Top-up option available
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Tenure available from 6 months to 5 years
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Interest rate same as Regular RBL FD Rates
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Interest rate remains constant for the entire tenure
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Nomination facility provided
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Quarterly compounding of interest
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No partial premature withdrawal allowed
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Premature withdrawal incurs a 1% penalty, except for senior citizens
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Check This Also: FD Calculator
Eligibility Criteria for RBL Fixed Deposit Interest Rates
The eligibility criteria for RBL FD Rates are as follows:
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General Public
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Senior Citizens (aged 60 years to 80 years)
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Super Senior Citizens (aged above 80 years)
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Non-Resident Indians (NRIs) (NRE/ NRO Accounts)
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Non-Resident Foreign Citizens (NFCs) (FCNR Account)
Documents Required for RBL Bank FD Rates
The documents required for RBL FD Rates are listed in the table below:
| Particulars | Documents Required |
| Identity Proof (any one) |
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| Address Proof (any one) |
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| Additional Requirements for NRIs and NFCs |
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FAQ's
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What are the current FD rates in RBL Bank?
The current RBL bank FD rates range between 3.50% to 8.00% for regular citizens and 4.00% to 8.50% for senior citizens. -
What is the interest rate for RBL tax saver FD?
The interest rate for RBL Tax Saver FD is 7.10% p.a. for general citizens and 7.60% p.a. for senior citizens. -
Which bank is best for a fixed deposit for 1 year?
Some of the banks that offer the highest FD interest rates for 1-year tenures are:-
State Bank of India
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Punjab National Bank
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Axis Bank
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ICICI Bank
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Unity Small Finance Bank
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Fincare Small Finance Bank
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Suryoday Small Finance Bank
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Who can open an FD account with RBL Bank?
All resident individuals, NRIs, HUFs, Firms, and minors can open a fixed deposit account with the bank. -
Provide the list of the documents needed for opening an FD account with the bank?
The documents that are needed for opening an FD account with RBL bank are - two photographs and a PAN card. -
Can I change the tenure of my existing fixed deposit with the RBL Bank?
No, it is not possible to change the tenure of my fixed deposit once the FD account is opened. However, if you wish you can close your existing FD and open a new FD with changed tenure. -
What are the implications of opening an FD account without a PAN Card?
You will have to face the following issues if you have opened an FD account without a PAN card:- The income tax department will not credit any TDS.
- The TDS deduction rate will be 20% which is 10% for those who have PAN card u/s 206AA.
- You will not get a TDS certificate.
- Form 15H/G and other certificates of tax exemption become invalid and penal TDS is applied.
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What are the current RBL Bank FD rates for the general public?
Current RBL Bank FD rates for the general public are - 3.25% to 6.50%. -
Is it possible to open an FD account online with RBL bank?
Yes, it is possible to open an FD account online with RBL Bank through its website. As soon as you apply for the same, a bank's representative will contact you and further process your request, which includes the submission of KYC documents and filling out the application process. -
In how many years has the FD of RBL Bank gets doubled?
The RBL Bank FD rates depend on the tenure for which you invest your money. For getting the period in which, your FD will be doubled, you should divide 72 by 6.50%. So, for RBL Bank, the number of years in which your FD gets doubled is 72/6.50 = 11.
*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable
tax slabs post 31st march 2023
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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