RBL Bank offers FD interest rates ranging from 3.50% to 7.20% per annum for the general citizens and 4.00% to 7.70% per annum for senior citizens, 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.
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.
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.
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.
7 days to 10 years
₹1,000
No Limit
Quarterly
According to the report, RBL Bank is one of the private sector banks that are offering the highest fixed deposit interest rates of 7.70% to senior citizens.
The Fixed deposit interest rates are very flexible and can change from time to time. Below are the latest fixed deposit interest rates offered by RBL Bank for the general and senior citizens across different deposit amounts and tenures.
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.50% | 4.00% |
| 15 Days to 2 Months | 4.00% | 4.50% |
| 2 Months to 3 Months | 4.50% | 5.00% |
| 3 Months to 6 Months | 4.75% | 5.25% |
| 6 Months to 8 Months | 5.50% | 6.00% |
| 8 Months to 12 Months | 6.05% | 6.55% |
| 1 Year to 1.4 Years | 7.00% | 7.50% |
| 1.4 Years to 1.5 Years | 7.00% | 7.50% |
| 1.5 Years to 2 Years | 7.00% | 7.50% |
| 2 Years to 3 Years | 7.20% | 7.70% |
| 5 Years | 6.70% | 7.20% |
| 3 Years to 5 Years | 7.00% | 7.50% |
| 5 Years to 10 Years | 6.70% | 7.20% |
| 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 |
FD interest rates w.e.f. July 2025 (for general public, domestic FDs > ₹3 Cr).
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3.5% | 7% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDFC Bank | 3% | 6.6% |
| IDBI Bank | 3% | 6.75% |
| Indian Overseas Bank | 3.5% | 6.75% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 7% |
| Punjab and Sind Bank | 3% | 6.8% |
| UCO Bank | 2.9% | 6.6% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 6.79% | 7.58% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 3% | 7.4% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.85% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Unity Small Finance Bank | 4% | 7.75% |
| Suryoday Small Finance Bank | 4% | 8.2% |
| DCB Bank | 3.75% | 7.4% |
| Equitas Small Finance Bank | 3.5% | 7.6% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 8.5% |
| Saraswat Bank | 3.25% | 7% |
*FD interest rates w.e.f. August 2025 (for general public, domestic FDs < ₹3 Cr).
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:
Note: Online FD booking service is available 24X7, even on weekends and holidays, for existing savings account holders.
The following individuals and entities are eligible to open a Fixed Deposit with RBL Bank:
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.
˜Top 5 plans based on annualized premium, for bookings made through https://www.policybazaar.com in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ 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
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