RBL Bank FD Interest Rates 2025
RBL Bank offers FD interest rates ranging from 3.50% to 7.95% per annum, based on the deposit amount and tenure.You can choose from a flexible deposit period starting from 7 days up to 10 years, depending on your financial goals. Senior citizens enjoy an additional interest rate of 0.50%, and 0.75% for super-senior citizens.
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FD Interest Rates
- RBL Bank FD Rates
What is an RBL Bank Fixed Deposit?
The minimum deposit amount for RBL Bank FD is ₹1,000. RBL Bank offers key FD options, including Raksha Kavach FDs, Flexi Sure FDs, Money Max Deposits with auto-sweep, Tax Saving FD schemes, and Senior Citizen FDs offering higher interest rates. Read on to learn more about RBL Bank FDs, including current rates, key benefits, and tax implications.
Key Benefits of RBL Bank Fixed Deposits
Here are some of the key benefits of booking an RBL Bank fixed deposit.
- Multiple FD Options from RBL Bank: Choose from a wide range of FD types such as Regular FD, Raksha Kavach FD, Flexi Sure FD, Money Max Deposit, Tax Saving FD, and Senior Citizen FD, all designed to meet varied saving needs.
- Withdrawal Facility: RBL Bank allows premature withdrawal of fixed deposits, subject to a penalty of 1% on the applicable interest rate. However, premature withdrawal is not permitted for Tax Saving Fixed Deposits and Non-Callable Fixed Deposits.
- Against RBL Bank FD: Instead of breaking your FD, you can take a loan against it, typically up to 90% of the deposit value, maintaining your interest earnings while addressing urgent financial needs. Interest rates are usually around 2% lower than personal loans.
- Digital Access and Easy Booking: RBL Bank offers the convenience of opening and managing fixed deposits through its digital platforms, including Internet banking and mobile banking, enabling easy and paperless account setup from anywhere.
- Auto-Renewal and Nomination Facilities: Customers can opt for auto-renewal of their fixed deposits upon maturity, ensuring uninterrupted investment growth. The bank also offers nomination facilities, allowing for the smooth transfer of funds to a designated nominee in unforeseen circumstances.
- Sweep-In and Sweep-Out Facility: RBL Bank's Money Max Deposit scheme provides an auto-sweep facility linking savings accounts or current accounts with fixed deposits. Surplus funds above a set threshold are automatically transferred to a fixed deposit, earning higher interest. In case of a shortfall in the linked account, funds are swept back from the fixed deposit to maintain liquidity.
RBL Bank FD Interest Rates
Below are the latest fixed deposit interest rates offered by RBL Bank across different deposit amounts and tenures.
RBL Bank FD Interest Rates (Below ₹3 Crores)
| Period of Deposit | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 7 days to 14 days | 3.50 | 4.00 |
| 15 days to 45 days | 4.00 | 4.50 |
| 46 days to 90 days | 4.50 | 5.00 |
| 91 days to 180 days | 4.75 | 5.25 |
| 181 days to 240 days | 5.50 | 6.00 |
| 241 days to 364 days | 6.05 | 6.55 |
| 365 days to 452 days | 7.50 | 8.00 |
| 453 days to 499 days | 7.50 | 8.00 |
| 500 days | 7.75 | 8.25 |
| 501 days to 545 days | 7.50 | 8.00 |
| 36 months 1 day to 60 | 7.10 | 7.60 |
| 60 months 2 days to 120 months | 7.00 | 7.50 |
| Tax Savings Fixed Deposits (60 months) | 7.10 | 7.60 |
RBL Bank FD Interest Rates (Less than 3 Crores Non-Callable)
| Period of Deposit | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
| 365 days to 452 days (12 months to less than 15 months) | 7.70% | 8.20% |
| 453 days to 499 days (15 months to 16 months 14 days) | 7.70% | 8.20% |
| 500 days | 7.95% (Highest) | 8.45% (Highest) |
| 501 days to 545 days (16 months 16 days to 36 months) | 7.70% | 8.20% |
| 36 months 1 day to 60 months 1 day | 7.30% | 7.80% |
| 60 months 2 days to 120 months | 7.20% | 7.70% |
RBL Bank FD Interest Rates: Bulk deposit (Callable)
| Tenor | Rate (% p.a.)
₹3 Cr to ₹5.60 Cr |
Rate (% p.a.)
₹5.60 Cr to ₹5.75 Cr |
| 7 days to 10 days | 5.25 | 5.25 |
| 11 days to 14 days | 5.25 | 5.25 |
| 15 days to 22 days | 5.25 | 5.25 |
| 23 days to 30 days | 5.25 | 5.25 |
| 31 days to 45 days | 5.90 | 5.25 |
| 46 days to 60 days | 6.20 | 5.50 |
| 61 days to 75 days | 6.70 | 5.50 |
| 76 days to 90 days | 6.90 | 5.50 |
| 91 days to 120 days | 7.05 | 5.50 |
| 121 days to 150 days | 7.15 | 5.50 |
| 151 days to 180 days | 7.15 | 5.50 |
| 181 days to 210 days | 7.15 | 5.50 |
| 211 days to 240 days | 7.15 | 5.50 |
| 241 days to 270 days | 7.15 | 5.50 |
| 271 days to 364 days | 7.25 | 5.50 |
| 365 to 452 days | 7.45 | 5.50 |
| 453 to 499 days | 7.40 | 5.50 |
| 500 days | 7.40 | 5.50 |
| 501 to 545 days | 7.35 | 5.50 |
| 546 days to 24 months | 7.35 | 5.50 |
| 24 months 1 day to 36 months | 7.35 | 5.50 |
| 36 months 1 day to 60 months 1 day | 7.10 | 5.50 |
| 60 months 2 days to less than 120 months | 6.80 | 5.50 |
RBL Bank FD Interest Rates: Bulk deposit (Non-Callable)
| Tenor | Rate (% p.a.)
₹3 Cr to ₹3.50 Cr |
Rate (% p.a.)
₹3.50 Cr to ₹4 Cr |
| 7 days to 10 days | 5.25 | 5.25 |
| 11 days to 14 days | 5.25 | 5.25 |
| 15 days to 22 days | 5.25 | 5.25 |
| 23 days to 30 days | 5.25 | 5.25 |
| 31 days to 45 days | 6.00 | 6.00 |
| 46 days to 60 days | 6.30 | 6.30 |
| 61 days to 75 days | 6.80 | 6.80 |
| 76 days to 90 days | 7.00 | 7.00 |
| 91 days to 120 days | 7.15 | 7.15 |
| 121 days to 150 days | 7.25 | 7.25 |
| 151 days to 180 days | 7.25 | 7.25 |
| 181 days to 210 days | 7.25 | 7.25 |
| 211 days to 240 days | 7.25 | 7.25 |
| 241 days to 270 days | 7.25 | 7.25 |
| 271 days to 364 days | 7.35 | 7.35 |
| 365 to 452 days | 7.50 | 7.50 |
| 453 to 499 days | 7.50 | 7.50 |
| 500 days | 7.50 | 7.50 |
| 501 to 545 days | 7.45 | 7.45 |
| 546 days to 24 months | 7.45 | 7.45 |
| 24 months 1 day to 36 months | 7.45 | 7.45 |
| 36 months 1 day to 60 months 1 day | 7.20 | 7.20 |
| 60 months 2 days to < 120 months | 6.90 | 6.90 |
Compare FD Interest Rates of Top Financial Institutions
| BANKS | GENERAL CITIZENS | SENIOR CITIZEN |
| SBI FD Rates | 3.00% - 7.10% | 3.50% - 7.60% |
| HDFC Bank FD Rates | 3.00% - 7.25% | 3.50% - 7.75% |
| ICICI Bank FD Rates | 3.00% - 7.10% | 3.50% - 7.60% |
| Axis Bank FD Rates | 3.50% - 7.20% | 3.50% - 7.95% |
| PNB FD Rates | 3.50% - 7.25% | 4.00% - 7.75% |
| Yes Bank FD Rates | 3.25% - 7.00% | 3.75% - 7.75% |
| Kotak Mahindra FD Rates | 2.75% - 6.20% | 3.25% - 6.70% |
| Bandhan Bank FD Rates | 3.00% - 5.00% | 3.75% - 5.75% |
| Union Bank of India FD Rates | 3.00% - 5.50% | 3.75% - 5.75% |
| Indusind Bank FD Rates | 2.75% - 6.00% | 3.25% - 6.50% |
| Canara Bank FD Rates | 2.93% - 6.40% | 2.93% - 6.40% |
| Bank of Baroda FD Rates | 3.00% - 5.10% | 3.50% - 5.60% |
| IDFC Bank FD Rates | 3.50% - 6.00% | 4.00% - 6.50% |
| Indian Bank FD Rates | 2.90% - 5.15% | 3.40% - 5.65% |
| DBS Bank FD Rates | 2.50% - 5.50% | 2.50% - 5.50% |
| UCO Bank FD Rates | 2.55% - 5.05% | 3.80% - 6.30% |
| Bank of India FD Rates | 2.85% - 5.35% | 3.00% - 6.50% |
| IDBI Bank FD Rates | 2.90% - 5.30% | 3.40% - 5.90% |
| Central Bank of India FD Rates | 2.75% - 5.15% | 3.25% - 5.65% |
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How to Open an RBL Bank FD Account?
RBL Bank provides a great option for customers to open a fixed deposit (FD) account either through Internet banking or a physical branch visit. The step-by-step procedures are explained below for both methods:
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Online Method
This method is easy, paperless, and is meant for existing RBL Bank customers.
Steps to Open an FD via Internet Banking:
- Log in to NetBanking: Go to the RBL Bank Internet Banking site.
- Go to Deposit Section: Once logged in, choose the ‘Deposits’ or ‘Fixed Deposit’ option from the dashboard.
- Click on 'Open Fixed Deposit': Select the option for opening a new fixed deposit account.
- Enter Deposit Details: You can use the FD calculator to compare and see the changes between different types of FDs
- Enter the deposit amount (minimum Rs. 5000).
- Give tenure (between 7 days and 10 years).
- Give the mode of interest payout (cumulative, monthly, or quarterly).
- Verify KYC Details: Enter your Aadhaar-linked mobile Number, provide Aadhaar & PAN details, complete Full KYC in minutes
- Provide Bank Details: Check all details and click on the 'Confirm' button to complete the procedure.
- Acknowledgement: A digital FD receipt will be generated instantly. You can download or save it for reference later.
A digital FD receipt will be generated instantly. You can download or save it for reference later.
Steps to open an FD via the RBL MoBank App:
- Log in to the MoBank App using credentials or biometric authentication.
- Tap on ‘Deposits’, then tap on ‘Fixed Deposits’.
- Enter similar details mentioned above for deposit, tenure, and nominee.
- Confirm the transactions and obtain the digital receipt inside the app or via email.
Note: Online FD booking service is available 24X7, even on weekends and holidays, for existing savings account holders.
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Offline Method
This method is suitable for new customers or those who prefer face-to-face help and support.
Steps to Open an FD at the Branch:
- Visit the Nearest RBL Bank Branch: Use the branch locator on the official RBL Bank website to find the nearest branch location.
- Ask for the FD Application Form: Pick up the Fixed Deposit Account Opening Form from the help desk or bank representative.
- Fill in the Required Details: Fill in the form given with your:
- Personal and contact details
- Deposit amount and tenure
- Interest payout preference (monthly/quarterly/at maturity)
- Nominee Details
- Submit your KYC Documents: Submit self-attested copies of the following:
- PAN Card
- Aadhaar Card or any other address proof valid at present
- Deposit FD Amount: The FD amount can be deposited in the following ways:
- Cash
- Cheque
- Transfer from an RBL Bank account (if any)
- Receipt & Acknowledgement of FD: After depositing the FD amount, the bank will give the official FD Receipt with all details, including the deposit ID, the rate of interest, and the maturity date.
Documents Required for RBL Bank FD
To open a Fixed Deposit account with RBL Bank, the following documents are required:
1. Identity Proof (any one of the following):
- PAN Card (mandatory for deposits of ₹50,000 and above or for Tax Saver FDs)
- Aadhaar Card
- Passport
- Voter ID Card
- Driving Licence
- Government-issued ID Card
- Photo Ration Card
2. Address Proof (any one of the following):
- Aadhaar Card
- Passport
- Utility Bills (electricity or telephone, not older than 3 months)
- Bank Statement with Cheque
- Certificate Issued by Post Office
3. Photographs:
- Two recent passport-sized photographs.
4. Additional Documents:
- Form 60 or 61 (if PAN Card is not available)
- Filled RBL Bank FD Application Form
Note: For Tax Saver FDs, submission of PAN Card is mandatory.
Check This Also: FD Calculator
Taxation on RBL FD Interest
Interest earned on Fixed Deposits with RBL Bank is fully taxable under the heading “Income from Other Sources” as per the applicable provisions of the Income Tax Act. If the total interest earned in a financial year exceeds ₹50,000 for regular individuals and ₹1,00,000 for senior citizens, RBL Bank deducts Tax Deducted at Source (TDS) at the rate of 10%, provided the PAN is submitted.
In case PAN is not furnished, TDS is deducted at a higher rate of 20%. To avoid TDS deduction, eligible individuals can submit Form 15G/15H (for non-senior and senior citizens, respectively), declaring that their total income falls below the taxable threshold.
Key Takeaways
RBL Bank Fixed Deposits come with flexible tenures ranging from 7 days to 10 years and require a minimum investment of ₹1,000. You can choose monthly, quarterly, or cumulative interest payouts and even avail a loan against your FD without premature withdrawal. Senior citizens receive higher interest rates on eligible tenures. However, early withdrawals may attract penalties, and the returns may not always keep up with inflation. To make an informed choice, you can compare FD Interest Rates in India across various banks and schemes.
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