DCB Bank FD Interest Rates 2025

Explore Guaranteed Return Plans

Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.

What is a DCB Bank Fixed Deposit?

DCB Bank Fixed Deposit is a savings product where a fixed amount is invested for a specific period at a fixed interest rate. The minimum deposit amount is ₹10,000, and tenures range from 7 days to 10 years. These FD interest rates provide fixed returns over the selected tenure. It offers the option to receive interest payouts monthly, quarterly, half-yearly, annually, or at maturity.

Information About FDs & Other Options

When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.

Key Highlights

DCB Bank FD Interest Rates: Latest Updates 

In the week ending 10 May 2025, seven, including DCB Bank, adjusted their fixed deposit (FD) interest rates and came up with the new interest rates for their depositors. 

DCB Bank FD Interest Rates 

Below is a tabular representation of the applicable DCB Bank FD interest rates for different tenures and deposit slabs:

Deposit Interest Rate Single Deposit of less than ₹ 3 Crore

Note: Canara Bank Interest Rate w.e.f. July 18th 2025

Deposit Interest rate for ₹ 3 Crore to less than ₹ 5 Crore

Note: Canara Bank Interest Rate w.e.f. December 11, 2025

Types of DCB Bank Schemes 

1. DCB Fixed Deposit:

   This is the standard fixed deposit scheme offered by DCB Bank for resident Indians, providing a secure and flexible way to save money. It's a traditional FD where you can choose a lump sum deposit for a fixed tenure.

   • Flexible Tenure: 7 days to 10 years
   • Minimum Deposit: ₹10,000
   • Flexible Interest Payouts: monthly, quarterly, or at maturity
   • Loan Facility: up to 80% of the deposit amount
   • Senior Citizen Benefit: Senior citizens (aged 60 and above) are offered an additional interest rate

2. DCB Tax Saver Fixed Deposit:

   This fixed deposit is specifically designed to help you save on taxes while earning attractive returns. It comes with a mandatory 5-year lock-in period.

   • Tax Advantage: up to ₹1.5 lakhs under Section 80C of the Income Tax Act, 1961
   • Minimum/Maximum Deposit: ₹10,000 up to ₹1.5 lakhs 
   • Interest Payouts: Choose between a quarterly compounding option 
   • Fixed Tenure: lock-in period of 5 years
   • No Premature Withdrawal: Premature closure is not allowed

3. DCB Suraksha Fixed Deposit: 

   It is a unique scheme that bundles a fixed deposit with a complimentary life insurance cover, providing both savings and protection. It's an excellent option for those who want to earn a decent return on their savings while ensuring their loved ones have a financial safety net.

   • Tenure - 36 months 
   • Minimum Deposit Amount - Rs 10,000
   • Maximum Deposit Amount - Rs 10 Lakh
   • Age Requirement - From 18 years to 54 years 
   • Premature withdrawal - Yes, allowed 

4. DCB Resident Foreign Currency Deposit: 

   This is a fixed deposit for NRIs who have returned to India and want to maintain their funds in foreign currency, protecting them from exchange rate fluctuations.

   • Minimum Tenure: 1 year
   • Maximum Tenure : 3 years 
   • Half-yearly Compounding: Interest is compounded half-yearly, helping your deposit grow.
   • Eligibility: This is available for NRIs 

Key Features of DCB Bank Fixed Deposits

DCB Bank Fixed Deposits come with several useful features that make them suitable for different types of investors. Below are the key features, along with specific details:

• Fixed Returns: When you invest in a DCB Bank FD, you earn a fixed interest rate that remains unchanged throughout the tenure, ensuring consistent and predictable returns.
• Flexible Tenure Options: You can choose an investment period ranging from as short as 7 days to as long as 10 years, depending on your financial objectives and liquidity needs.
• Higher Interest Rates for Senior Citizens: Senior citizens are eligible for an additional interest rate of 0.50% on standard fixed deposits. (This benefit does not apply to Bulk Fixed Deposits and Non-Callable Retail FDs.)
• Deposit Options: DCB Bank offers various FD types, including cumulative and non-cumulative options, as well as Tax Saver Fixed Deposits with a lock-in period of 5 years.
• Premature Withdrawal Facility: DCB Bank allows premature closure of FDs in case of urgent financial needs. However, a penal interest rate is applied: 0.5% for deposits less than ₹3 crore, and 2.0% for deposits of ₹3 crore and above. The applicable rate will be the one in effect for the tenure the FD remained with the bank, minus the penalty.
• Loan and Overdraft Facility: You can avail of a loan or overdraft of up to 80% of your FD amount from DCB Bank. Interest rates are lower than those of traditional personal loans.

Eligibility Criteria For DCB Bank FD

Here are the eligibility criteria for people wanting to apply for the DCB Bank FD. Check the criteria before applying - 

• Resident individuals (single and joint)
• Partnership firms
• HUFs
• Public and Private companies

Key Takeaways

You can start a DCB Bank Fixed Deposit with a minimum amount of ₹10,000 and choose a tenure ranging from 7 days to 10 years. The interest rate remains fixed throughout the term, so you know your exact earnings in advance. Senior citizens receive an additional 0.50% interest on standard FDs. You can also choose how you want to receive the interest monthly, quarterly, annually, or at maturity. If required, you can take a loan against your FD instead of breaking it. You can also consider other best investment options that come with financial protection.