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DCB Bank Flexi Fixed Deposit
DCB Bank Flexi Fixed Deposit offers competitive interest on your deposits while preserving the liquidity of a linked savings or current account. With DCB Bank Flexi Fixed Deposit, you potentially get the dual advantage of better returns and easy access to funds when needed.
Guaranteed Return
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
6.9%* (Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%* (After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns upto 6.9%*
Fully Tax-Free, Life Cover Included
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FD Interest Rates
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DCB Bank FD Interest Rates 2025
- DCB Bank Flexi Fixed Deposit
Explore Guaranteed Return Plans
In volatile markets, guaranteed-return plans offer peace of mind: your principal remains secure and returns are assured. For risk-averse investors, these plans remain attractive because they provide predictable income and capital safety.
What is a DCB Bank Flexi Fixed Deposit?
DCB Bank Flexi Fixed Deposit refers to a sweep-linked deposit facility where surplus funds in your savings or current account are automatically “swept in” to a fixed deposit when they exceed a set threshold. When your savings account balance falls below the threshold, due to withdrawals or payments, funds are “swept out” from the FD back to your account, maintaining liquidity. This Flexi Fixed Deposit combines the assured returns of a fixed deposit with the flexibility of a savings account, giving you access and earning power simultaneously.
Information About FDs & Other Options
When choosing an investment, it's essential to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while products like guaranteed return plans and mutual funds can provide growth opportunities with different degrees of risk.
Information About
Guaranteed Return Plans
Returns Before Tax
6.9%* (TAX-FREE)
Returns After Tax
6.9%*
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
*For annual premium upto ₹5 Lacs
DCB Bank Flexi Deposit FD Interest Rates (for deposits below ₹3 Crore)
Flexi Fixed Deposit interest rates follow the DCB Bank FD interest rates. Here are the current rates:
| Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 45 days | 3.75 | 4.00 |
| 46 days to 90 days | 4.50 | 4.75 |
| 91 days to less than 6 months | 4.75 | 5.00 |
| 6 months to less than 10 months | 6.00 | 6.25 |
| 10 months to less than 12 months | 6.50 | 6.75 |
| 12 months to less than 15 months | 6.90 | 7.15 |
| 15 months to less than 16 months | 7.00 | 7.50 |
| 16 months to less than 27 months | 6.90 | 7.15 |
| 27 months to less than 28 months | 7.10 | 7.60 |
| 28 months to less than 37 months | 7.00 | 7.25 |
| 37 months to 38 months | 7.20 | 7.70 |
| More than 38 months to 60 months | 7.00 | 7.25 |
| More than 60 months to 61 months | 7.10 | 7.60 |
| More than 61 months to 120 months | 7.00 | 7.25 |
*Interest rates w.e.f. October 07, 2025
Key Features of DCB Bank Flexi Fixed Deposit
The key features of DCB Bank Flexi Fixed Deposit are:
- Competitive Interest Earnings: With FDs from as low as 3.75% to up to 7.20% for certain tenures, DCB Bank offers interest rates among the higher end for retail fixed deposits.
- Liquidity with Flexibility: If the sweep-in facility is activated, you get the benefit of fixed-deposit returns without losing access to funds, useful for those who maintain a substantial savings balance but need occasional liquidity.
- Wide Tenure & Deposit Range: DCB Bank FDs cover tenures from short-term to long-term enabling flexibility for different financial goals.
- Easy Management: Deposit booking is simple (online or branch), and if sweep-in option is available, surplus funds get auto-managed, reducing manual effort.
- Option for Periodic Interest Payouts: Like standard FDs, cumulative or periodic interest payout options help manage cash flow needs.
- Security of Funds: Being a reputed private sector bank in India, deposits are covered under deposit-insurance norms (subject to regulatory limits), and the fixed-deposit scheme is well established.
How to Open DCB Bank Flexi Fixed Deposit?
The following process to open a DCB Bank Flexi Fixed Deposit is:
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Online Process
Step 1: Visit DCB Bank’s official website; go to the “Fixed Deposit” section.
Step 2: Log in (or register) using your credentials (if you have a savings/current account).
Step 3: Choose “Open FD”. Provide deposit amount, select tenure, choose interest payout option.
Step 4: Submit KYC documents. Attach your savings/current account (for sweep-in). In application or account form, request “Reverse Sweep/Auto Sweep” facility, some account-opening forms show this option.
Step 5: Review and confirm. On successful processing, an e-TDR (Fixed Deposit Receipt) will be issued.
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Offline Process
Step 1: Visit the nearest DCB Bank branch with PAN + identity / address proof.
Step 2: Fill FD application form. Indicate deposit amount and tenure.
Step 3: If you hold a savings/current account, request linking of FD with account’s surplus balance for sweep-in / linked deposit facility.
Step 4: Deposit funds for the FD.
Step 5: Receive Fixed Deposit Receipt (TDR), and ensure sweep-in link is activated.
Difference Between DCB Bank Flexi Fixed Deposit and Regular Fixed Deposit at DCB Bank
| Feature | DCB Bank Regular FD | DCB Bank Flexi Fixed Deposit |
| Liquidity | Funds locked till maturity; early withdrawal may reduce interest. | Savings-linked; surplus parked in FD; swept out when needed; liquidity + flexibility. |
| Interest Rate | As per FD-rate table (e.g. up to 8.00%–8.50% for select tenures). | The same FD-rate applies while funds remain in FD; higher than savings accounts. |
| Deposit Amount | Lump-sum deposit at time of booking. | Surplus funds in savings accounts get auto-swept into FD (if surplus exceeds threshold). |
| Tenure | Fixed at booking time (days to years). | Funds may move in/out based on account activity; informal “dynamic tenure”. |
| Management | One-time deposit; maturity or closure. | Requires linked savings account and conditional sweep-in/out logic, but less manual intervention. |
| Suitability | Good for fixed-term investments, stable returns. | Good for users with fluctuating balances who want liquidity + higher returns. |
| Risk | Predictable fixed return (if held to maturity). | Return depends on how long money stays in the FD portion, if frequently withdrawn, effective yield may vary. |
Conclusion
DCB Bank Flexi Fixed Deposit is used to optimise surplus funds, offering liquidity plus FD returns. For salaried professionals, business owners, or individuals with sporadic expenses but steady surplus, this deposit option can provide both peace of mind and higher returns. Before investing, it’s advisable to verify with DCB Bank whether the sweep-in FD feature is available for your account type, and ensure you understand the terms and conditions.
FAQs
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Can I open a DCB Bank Flexi Fixed Deposit even if I don’t have a savings account?
No, sweep-in/Flexi Fixed Deposit requires a linked savings or current account for automatic fund transfer; otherwise, you can open a regular FD. -
Do I get higher interest on DCB Bank Flexi Fixed Deposit than a savings account?
Yes, FD interest rates (which for DCB Bank range up to 8.00% – 8.50% for select tenures) are significantly higher than typical savings account rates. -
Is there a minimum deposit amount for DCB Bank FD under the ₹3 crore category?
DCB Bank’s standard Fixed Deposit scheme accepts deposits under ₹3 crore, and many third-party sources list ₹10,000 as the minimum for single-deposit FD. -
What happens if my savings account balance falls below threshold but I have funds parked in FD?
If sweep-in / linked-FD facility is active, funds may be “swept out” from FD back to the savings account to maintain liquidity when needed; the FD portion remains till principal or maturity conditions. -
Are FD interest earnings from DCB Bank taxable?
Yes, interest earned from any FD (including a flexi / sweep-in deposit) is subject to tax under the Income Tax Act; TDS may apply if interest income crosses the threshold.
*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
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
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