RBL Bank FD Interest Rates

A fixed deposit account is every Indian's most preferred way of investment. The interest rate on fixed deposit accounts varies from bank to bank. The minimum amount required to open a fixed deposit account is also different in each bank. You can check RBL Bank FD rates online.

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Features of Rbl Bank Fixed Deposit

Investment Amount  Minimum - Rs.1000 Maximum- No Maximum Limit
Tenure  Minimum - 7 daysMaximum- 20 Years
Interest Rate  Minimum - 5.00 %Maximum- 6.65%

Rbl Bank FD Rates in India
Tenure General Public FD Rates Senior Citizen FD Rates
7 days to 14 days 3.25% 3.75%
15 days to 45 days 3.75% 4.25%
46 days to 90 days 4.00% 4.50%
91 days to 180 days 4.50% 5.00%
181 days to 240 days 5.00% 5.50%
241 days to 364 days 5.25% 5.75%
12 months to less than 24 months 6.25% 6.75%
24 months to less than 36 months 6.50% 7.00%
36 months to less than 60 months 6.30% 6.80%
60 months to 60 months 1 day 6.30% 6.80%
60 months 2 days to less than 120 months 5.75% 6.25%
120 months to 240 months 5.75% 6.25%
Tax Saving FDs for 60 months 6.30% 6.80%
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Compare FD Interest Rates of Top Financial Institutions
BANKS GENERAL CITIZENS SENIOR CITIZEN
Axis Bank FD Rates 2.50% - 5.75% 2.50% - 6.50%
Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75%
Bank of Baroda FD Rates 2.80% - 5.25% 3.30% - 6.25%
Bank of India FD Rates 2.85% - 5.05% 3.35% - 5.55%
Canara Bank FD Rates 2.90% - 5.40% 2.90% - 5.90%
Central Bank of India FD Rates 2.75% - 5.00% 2.90% - 3.25%
DBS Bank FD Rates 2.50% - 5.50% 3.50% - 6.00%
HDFC Bank FD Rates 2.50% - 5.60% 3.00% - 6.35%
IDFC Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Indian Bank FD Rates 2.90% - 5.15% 3.40% - 5.65%
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
IndusInd Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Punjab National Bank FD Rates 2.90% - 5.25% 3.50% - 5.75%
SBI FD Rates 5.30% - 5.40% 5.80% - 6.20%
UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30%
Yes Bank FD Rates 3.25% - 6.25% 3.75% - 7.25%
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Like most Indian banks, the RBL FD interest rates are attractive. However, the interest rate that is offered by these banks including the RBL FD rates depends on certain conditions.

RBL Bank FD Rates - Special Features

  • The tenure of RBL Bank fixed deposits ranges from seven days to 20 years.

  • The bank offers investment options with good returns.

  • The option of interest pay-out is available quarterly, monthly, or you can choose to keep your amount invested till maturity.

  • The bank provides the convenience of booking through online or internet banking for the account holders of the bank.

  • The facility of nomination is available.

  • The facility of overdraft/loan is provided up to 90% of the amount available for fixed deposit.

  • Premature or partial withdrawal of FD is offered.

Get Market Linked Returns Get Market Linked Returns

About RBL Bank Fixed Deposit Interest Rate Calculator

RBL Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned 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 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 entered the following details, an investor will come to know:

  • The maturity value of the FD

  • The total interest earned during the complete tenure

Types of RBL Bank Fixed Deposits

The types of fixed deposits offered by RBL Bank are:

  1. Regular Fixed Deposits:

    • This is a fixed deposit scheme of RBL Bank which is offered to people who have a regular fixed income.

    • This scheme offers attractive RBL Bank FD rates and has easy investment options.

    • The facility of nomination is available.

    • You can book this scheme online through net banking if you have an RBL Bank account.

    • The facility of overdraft against the fixed deposits is also provided.

    • The facility of loan up to 90% of the deposited amount is offered.

    Eligibility:

    All Indian residents, Hindu Undivided Families, public and private companies, partnership firms, and trusts are eligible to opt for this scheme.

    Get Market Linked Returns Get Market Linked Returns
  2. Senior Citizen Fixed Deposits:

    • A fixed deposit scheme for senior citizens to facilitate maximum RBL Bank FD rates.

    • The facility of nomination is provided.

    • Easy investment process.

    • The bank offers the flexibility to select the frequency of interest payment.

    • Offers the convenience of booking FD through net banking, if the depositor is an RBL Bank account holder.

    Eligibility:

    Resident Indians who are more than 60 years old.

  3. RBL Bank Tax Saving Fixed Deposits:

    • A secure and flexible fixed deposit scheme that provides dual benefits of attractive returns and tax exemption under section 80C.

    • The facility of nomination is provided.

    • The interest that you earn from this scheme is subject to TDS.

    • You can earn attractive RBL Bank FD rates on your fixed deposit.

    • In the case of a joint fixed deposit, the benefit of tax u/s 80C is available only for the first account holder.

    • Flexibility to choose the frequency of interest payment.

    Eligibility:

    Hindu Undivided Family and resident Indians.

  4. Flexi Sure Fixed Deposits:

    • It is a fixed deposit scheme that is linked with your current or savings account with ensured liquidity. Whenever you have a shortage in your savings or current account, this FD can be broken partially for meeting the shortfall in your cash whereas the remaining part keeps earning interest.

    • Option to choose the tenure of the deposit.

    • Offers the convenience to link multiple deposits in your fixed deposit account.

    Eligibility:

    Public or private limited companies, Resident Indians, trusts, Hindu Undivided Families, and partnership companies.

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RBL Bank FD Calculator

The FD calculator offers an estimate of how much one will earn from his/her fixed deposit upon its maturity. You can use the calculator of RBL Bank online and fill in some of the details like fixed deposit type, tenure, amount of deposit, and date.

RBL Bank FD Premature Withdrawal

According to the terms and conditions of the RBL Bank, the penalty for premature withdrawal of the FD of RBL Bank is a lower rate of interest of 1% than the actual rate of the contract. Upon premature withdrawals of the deposit, the interest is calculated at the RBL Bank FD rates applicable for the tenure for which the FD has kept in the bank.

Factors Affecting RBL Bank FD Rates

In a given financial year, the state of the economy determines the return rates of various banks in the country. When economic growth is high in a particular year, the credit demand increases. In such a case, the banks make FD interest rates attractive. FD interest rates in RBL also depend on the economic conditions.

Inflation

Inflation is when the cost of goods increases. During inflation, there is a possibility of rupee devaluation.  This is most commonly caused due to a lower percentage of purchasing power. This leads to a loss of interest in the loans that are lent. To nullify this, banks increase the interest rate on fixed deposits.

Thus, the interest rates on fixed deposits across all banks including fixed deposit rates in RBL depend on various economic factors.

The RBL Bank offers competitive interest rates on fixed deposits. The customer can choose from the selection of tenures that include short-term and medium-term.  The fixed returns and the safety of the investment make RBL fixed deposits a beneficial choice of investment.

RBL Bank FD Interest Rates in India

It is advisable to reconfirm the FD Rates from the bank before making any decision based on the data provided below.

Tax Saver FD (Max Deposit - 1 LPA)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (p.a.)
General Senior Citizen
Ratnakar Tax Savings Term Deposit Scheme - 60 months Up to Rs. 1 lakh 6.30% 6.80%

Tax Implications

  • The amount invested in Fixed Deposit with a tenure of 5 years with RBL Bank is eligible for tax deduction under IT section 80C, whereas the interest earned on the investment is taxable.

  • The applicable tax will be deducted at the source, i.e. RBL Bank, in case the annual interest earned crosses Rs.10,000.

 *Tax benefit is subject to changes in tax laws

RBL Bank FD Rates - FAQs

  • Q1: What are the highest RBL Bank FD rates?

    Ans: The highest FD rate offered by RBL Bank is 6.50%.
  • Q2: What are the RBL Bank FD rates for senior citizens?

    Ans: The RBL Bank offers higher interest rates to its senior citizens fixed depositors. The rate of interest offered to senior citizens ranges from 3.75% to 7.00%.
  • Q3: Is there any limit on the minimum amount that I have to deposit for opening an FD account with RBL Bank?

    Ans: The minimum amount that you need to deposit for opening an FD account with RBL Bank is Rs.1, 000.
  • Q4: Is it possible to deposit some additional amounts in my FD account?

    Ans: No, you cannot deposit an additional amount after opening an FD account with the bank. However, if you wish to add more amount to your FD, then you can open a new fixed deposit account with the bank.
  • Q5: Who can open an FD account with RBL Bank?

    Ans: All resident individuals, NRIs, HUFs, Firms, and minors can open a fixed deposit account with the bank.
  • Q6: Provide the list of the documents needed for opening an FD account with the bank?

    Ans: The documents that are needed for opening an FD account with RBL bank are - two photographs and a PAN card.
  • Q7: Can I change the tenure of my existing fixed deposit with the RBL Bank?

    Ans: No, it is not possible to change the tenure of my fixed deposit once the FD account is opened. However, if you wish you can close your existing FD and open a new FD with changed tenure.
  • Q8: What are the implications of opening an FD account without a PAN Card?

    Ans: You will have to face the following issues if you have opened an FD account without a PAN card:
    • The income tax department will not credit any TDS.
    • The TDS deduction rate will be 20% which is 10% for those who have PAN card u/s 206AA.
    • You will not get a TDS certificate.
    • Form 15H/G and other certificates of tax exemption become invalid and penal TDS is applied.
  • Q9: What are the current RBL Bank FD rates for the general public?

    Ans: Current RBL Bank FD rates for the general public are - 3.25% to 6.50%.
  • Q10: Is it possible to open an FD account online with RBL bank?

    Ans: Yes, it is possible to open an FD account online with RBL Bank through its website. As soon as you apply for the same, a bank's representative will contact you and further process your request, which includes the submission of KYC documents and filling out the application process.
  • Q11: In how many years has the FD of RBL Bank gets doubled?

    Ans: The RBL Bank FD rates depend on the tenure for which you invest your money. For getting the period in which, your FD will be doubled, you should divide 72 by 6.50%. So, for RBL Bank, the number of years in which your FD gets doubled is 72/6.50 = 11.
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