Dakshin Bihar Gramin Bank FD Rates

Dakshin Bihar Gramin Bank has 1078 branches in the major 20 districts of Bihar. The Bank is sponsored by the Punjab National Bank (PNB). Dakshin Bihar Gramin Bank has turned into the largest RRB bank in Bihar with 200 business correspondence offering services.
The bank offers fixed deposits with better interest rates at major RRBs, which the rural citizens can avail themselves of with ease. The Bank offers fixed deposits to all its customers.

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Dakshin Bihar Gramin Bank FD Interest Rates 2021

As of the date of July 2021, the below mentioned are the FD Rates at Dakshin Bihar Gramin Bank:

Maturity period Interest rates(p.a)
30 days 3.75%
45 days 3.75%
60 days 4.75%
90 days 4.75%
120 days 4.75%
6 months 5.25%
12 months 5.25%
2 years  5.80%
3 years 5.80%
4 years 5.80%
5 years 5.80%
10 years 5.80%

*Interest rates are subject to changes. Tax may be levied as per the current IT Act.

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Features of Dakshin Bihar Gramin Bank Fixed Deposits

Once the future goal of the customer is planned, it becomes easier to choose the tenure and the required interest rates for the fixed deposit plan. A lump sum is paid in the initial stage in a fixed deposit, and later the customer can receive the interest rates till the tenure ends. 

Besides, customers can also use various features of fixed deposit schemes like:

  • Dakshin Bihar Gramin Bank FD rates are available for rural citizens with all the general features and facilities. 
  • A fixed deposit investment at the Dakshin Bihar Gramin Bank targets to provide strong financial support to the rural customers of the Bank. 
  • Even a minimum amount can open the fixed deposit investment with tenure of 7 days to a large sum leading to 10 years. 
  • A loan and overdraft facility is available for all customers with fixed deposits. They can avail this benefit anytime in need of funds. 
  • The FD account can be opened through online mediums, or the customers can visit the nearest Bihar Gramin bank branch, depending on their convenience.
  • One can renew the deposit after the maturity period is over. However, instructions on the renewal must be informed before the maturity date.
  • Customers can also apply for tax saving schemes for an amount up to Rs. 1,50,000. 
  • There are no limitations in terms of the maximum amount to be deposited. Customers can pay out monthly, quarterly, and yearly. 

Any query regarding these features and facilities during Fixed deposit tenure can be cleared by consulting the banking staff or officials.

About Dakshin Bihar Gramin Bank Fixed Deposit Interest Rate Calculator

Dakshin Bihar Gramin Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:

  • The amount that is invested

  • The Rate of Interest offered

  • The tenure of the Fixed Deposit Account

  • The compounding period, that is, yearly, half-yearly, quarterly, or monthly

  • The FD Amount

Once entered the following details, an investor will come to know:

  • The maturity value of the FD

  • The total interest earned during the complete tenure

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The bank provides interest rates on its fixed deposits which have the following features: 

  • The interest rates are generally higher depending on the amount deposited.
  • Separate high interest rates for senior citizens are ensured along with special benefits. 
  • These rates are different for fixed deposit tenures that range from 7 days to 10 years.
  • There are different interest rates for various FD products like FD Multiple Benefit Scheme, Tax saver scheme, and Special FD Scheme.

Summing it Up

Dakshin Bihar Gramin Bank offers all the necessary financial assistance to its rural customers. It is also looking to expand its presence further with now also reaching certain semi-urban areas of the state. The bank is already providing aid to the MSME and agriculture sectors. Moreover, it offers digital facilities for easy banking.

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