Dhanlaxmi Bank FD Interest Rates

What is Dhanlaxmi Bank Fixed Deposit?

Dhanlaxmi Bank Fixed Deposits offer secure growth with tenures from 7 days to 10 years and a low entry point of just ₹100. Key benefits include quarterly compounding and high liquidity through loans against deposits. Popular schemes like Dhanam Tax Advantage and the 370-day special slab provide targeted returns for both tax planning and short-term gains.

These deposits are insured up to ₹5 lakh by DICGC, ensuring your principal is safe while you earn competitive market rates. Specialised options such as NRE Term Deposits offer tax-free interest to NRIs. With automatic renewal and flexible interest payout options, it remains a versatile choice for conservative investors. Before investing in an FD, you should be aware of the current FD rates.

Dhanlaxmi Bank Fixed Deposit Features

Below are the best features of Dhanlaxami Bank fixed deposit: 

1. Guaranteed Reinvestment: 

   Upon maturity, your RD proceeds are automatically converted into a 60-month Fixed Deposit, ensuring your savings continue to grow without any manual intervention.

2. Monthly Income Stream: 

   You receive monthly interest payouts at a discounted rate, providing a steady cash flow until the deposit is closed.

3. Flexible Liquidity (Loan Facility): 

   You can avail a loan of up to 90% of your deposit balance. The interest rate is typically only 1% higher than your deposit rate, making it a low-cost credit option.

4. Tax Efficiency: 

   As per NRE guidelines, there is currently no Income Tax, Gift Tax, or Wealth Tax on these deposits. Additionally, TDS is not applicable to the recurring deposit portion.

5. Survivorship Security: 

   In a joint account, the monthly interest continues to be paid to the survivor upon the depositor's death, ensuring financial continuity for the family.

6. No Penalty on Discontinuation: 

   If you choose to end the scheme exactly at the RD maturity (before the FD cycle starts), no penalty is charged.

Dhanlaxmi Bank Fixed Deposit Interest Rates 2026

Interest Rates below 3 core

Dhanlaxmi Bank FD Interest Rates w.e.f March 17, 2026

Interest Rates Above 3 Crore 

Dhanlaxmi Bank FD Interest Rates w.e.f March 17, 2026

Dhanlaxmi Bank Fixed Deposit Interest Rate Calculator

Dhanlaxmi Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps quickly calculate the maturity amount and the interest 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 Policybazaar 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 the following details are entered, an investor will come to know:

• The maturity value of the FD
• The total interest earned during the complete tenure

Conclusion

Dhanlaxmi Bank focuses on providing enhanced facilities to its customers to offer better financial aid. The bank provides all kinds of banking facilities, both online and offline. Beyond competitive returns, these deposits offer unique liquidity through a Dhanlaxmi Bank credit card against FD. To further optimise your savings, you can also leverage the Dhanlaxmi Bank Sweep-in FD facility, which automatically transfers surplus funds from your savings account to an FD.