DBS FD Interest Rates

What is a DBS Fixed Deposit?

A DBS Fixed Deposit is a secure investment option that allows investors to grow their savings while protecting their capital. You can start a fixed deposit online with a minimum deposit of just ₹5,000 and enjoy flexible investment terms.

DBS FD interest rate range up to 6.85% p.a. for regular citizens and up to 7.35% p.a. for senior citizens, with a special tenure of 376 to 400 days. DBS Tax Saver FD helps reduce your taxable income by up to ₹1.5 Lakh, with easy, customised cash flow options for monthly or quarterly interest payouts. The entire account opening process is completely paperless and digital via internet banking or the mobile app.

DBS Fixed Deposit: Key Highlights

DBS Bank Fixed Deposit Rates

The latest DBS Bank Fixed Deposit Rates for general and senior citizens, effective from May 06, 2026:

Single Rupee term deposits (Less than 3 crores)

*DBS Bank FD Interest Rates w.e.f. May 6, 2026

Types of DBS Bank FD

1. Regular Fixed Deposit

   A Regular Fixed Deposit with DBS Bank is a straightforward and secure investment: you deposit a lump sum for a fixed period at a predetermined interest rate. This option is ideal for individuals who want guaranteed returns and don't require access to their funds before the maturity date.

   Benefits:

   • Guaranteed Returns: Your investment earns a fixed interest rate
   • Higher Interest Rates: FDs offer higher interest rates than a regular savings account
   • Flexible Tenure: 7 days up to 5 years and above
   • Regular Income Option: monthly or quarterly
   • Loan Facility: Offers a loan or overdraft against your FD

2. Flexi Deposit

   The Flexi Deposit (also known as a DBS Sweep-in FD) combines the high-earning potential of a fixed deposit with the liquidity of a savings account. It links your FD to your savings or current account, automatically transferring surplus funds to the FD to earn higher interest.

   • Liquidity and High Returns: Get the flexibility to access your funds for emergencies
   • Partial Withdrawals: You can withdraw funds in small increments
   • Auto-Sweep Facility: Available
   • No Penalty on Some Withdrawals: No penalty for premature withdrawals

Features of DBS Bank Fixed Deposit

Some of the main highlights of Fixed Deposits offered by the DBS Bank are as follows:

• Investment Duration: Offers various investment options with tenures ranging from as short as 7 days to 10 years or more.
• Minimum Deposit: The minimum amount required to open a DBS Fixed Deposit is ₹5,000.
• Interest Rates: The interest rates currently offered range from 2.75% to 6.85% p.a. for regular citizens, and up to 7.35% p.a. for senior citizens, depending on the tenure.
• Interest Payout: You can receive interest payments monthly or quarterly.
• Overdraft Facility: The bank offers an overdraft facility against the fixed deposit.
• Account Opening: FDs can be conveniently opened online through the bank's net banking or mobile banking platforms.

How to Open a DBS Bank Fixed Deposit

A DBS Bank Fixed Deposit is a smart and secure way to grow your savings with competitive FD interest rates. You can make a one-time deposit for a fixed tenure and earn guaranteed returns.

Online FD Account Opening

If you are an existing customer of DBS Bank with a savings account, you can open an FD instantly through the bank's digital channels.

• Log in to Digital Banking: Log in to the digibank app or the Internet Banking portal.
• Go to 'Fixed Deposit': Navigate to the "Deposits" section from the menu and select "Fixed Deposit" or "Open New Deposit."
• Select FD Details: Enter the deposit amount and tenure.
• Choose FD Type: Select your preferred interest payout option
• Maturity Instructions: Specify your instructions for what should happen
• Review & Confirm: Carefully review all the details, agree to the terms and conditions
• FD Receipt: Your Fixed Deposit will be booked instantly, and a digital receipt will be generated

Offline FD Account Opening

For those who prefer a traditional, in-person approach, you can visit a DBS Bank branch to open a Fixed Deposit.

• Visit the Branch: Go to your nearest DBS Bank branch
• Fill out the FD Form: A bank representative will assist you in completing the Fixed Deposit application form.
• Submit Documents: If you are a new customer, you must submit your KYC documents. Existing customers will have a more streamlined process.
• Deposit Funds: Make the payment
• Tenure & Interest Options: Choose your preferred tenure and your interest payout frequency.
• Get the FD Receipt: The bank will process your request and issue a physical Fixed Deposit Receipt

Eligibility for DBS Bank Fixed Deposit

The following people are eligible to invest in the FD of DBS Bank:

• Any individual
• HUF (Hindu Undivided Family)
• Minor
• Partnership Firm
• LLP (Limited Liability Partnership)
• NRIs (Non-Resident Indians)
• Trusts

Conclusion

DBS Bank offers competitive fixed deposit interest rates to its customers. Customers can choose from a range of deposit tenures and compounding options to maximise their returns on investment for terms of 5 years and above. With the DBS FD Calculator, customers can easily estimate the maturity amount of their fixed deposits, helping them plan and manage their finances by completing the FD KYC process. Overall, DBS Bank FD interest rates provide a reliable and attractive investment option for customers looking to grow their savings.