Flexi Fixed Deposit RBL Bank

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What is an RBL Bank Flexi Fixed Deposit?

An RBL Bank Flexi Fixed Deposit includes options such as the Money Max Deposit and the Flexi Sure FD. Both Flexi Fixed Deposit accounts are designed to offer higher returns and liquidity. Money Max is an auto-sweep facility in multiples of ₹1,000 that links your savings or current account to a fixed deposit. It moves surplus funds into a 181-day FD when your balance exceeds ₹50,000. A sweep-out is triggered to maintain sufficient funds if the balance drops below this limit. 

RBL Bank Flexi Deposit Interest Rates

The interest rates on Flexi Fixed Deposits are aligned with RBL Bank FD rates. Below is the Flexi Fixed Deposit interest rates table offered by RBL Bank:

*RBL Bank FD interest rates w.e.f. July 22, 2025

To explore comparative options, check the FD interest rates in India.

Key Features of RBL Bank Flexi Fixed Deposit

The RBL Bank Flexi Fixed Deposit offers a range of features that make it a reliable and efficient savings solution. Below are some of the key benefits that distinguish it:

• Higher Returns: Earn a higher interest rate on your surplus funds than a regular savings account. Returns are comparable to standard fixed deposit rates and can go up to 7.00% for general customers and 7.50% for senior citizens.
• Enhanced Liquidity: Flexi Sure FD allows partial withdrawals, where only the required amount is withdrawn while the remaining deposit continues to earn interest.
• Flexible Investment Duration: The Bank offers a range of tenure options for Flexi Fixed Deposits. You can choose a shorter or longer period based on your preferences, making it suitable for short-term and long-term planning.
• Simple and Convenient Process: Opening a Flexi Fixed Deposit can be done online via internet banking or the RBL MyBank app. You can also visit the nearest branch to open an account with minimal documentation.

How to Open an RBL Bank Flexi Fixed Deposit?

You can open an RBL Bank Flexi Fixed Deposit online or offline. Current RBL Bank customers can directly book their Flexi Deposit, while new customers must first open a savings account and then link it to their Flexi Fixed Deposit. The steps to open the deposit are as follows:

1. Online FD Booking

   You can book an RBL Bank FD online. Just log in, fill out the form, and book the FD amount from your savings account.

   • NetBanking or Mobile App: Log in to RBL Bank NetBanking with your credentials or open the RBL MoBank app.
   • Go to ‘Fixed Deposit’: Navigate to the 'Deposits' section and select the 'Flexi Sure Fixed Deposit' option.
   • Select FD Amount: Select your account and enter the amount, starting from ₹1,000.
   • Select FD Type: Choose the deposit option that links your savings or current account.
   • Maturity Instructions: Select options like auto-renewal, interest payout frequency, or payout at maturity.
   • Review & Confirm: Check all details, accept the terms & conditions, and submit.
   • FD Receipt: An e-receipt for your Fixed Deposit will be generated instantly.

2. Offline FD Booking

   If you find the offline process more convenient, just visit your nearest RBL Bank branch to book an FD.

   • Visit RBL Bank Branch: Visit a branch with your PAN/Aadhaar and a cheque or cash.
   • FD Form: Fill out the Term Deposit form at the RBL Bank branch.
   • Submit Documents: Submit the required KYC proofs if you are a new customer.
   • Fund Transfer/Deposit: Deposit the FD amount (minimum ₹1,000) digitally, through a cheque, or cash.
   • Tenure & Interest Options: Choose the tenure (12 months to 60 months) and interest payout frequency.
   • Get the FD Receipt: RBL Bank will issue a Term Deposit Receipt (TDR) as confirmation.

Difference Between Flexi Fixed Deposits and Regular Fixed Deposits 

Here’s a quick comparison of the key features between RBL Bank Regular Fixed Deposits and Flexi Deposit RBL Bank:

Key Takeaways

RBL Bank Flexi Fixed Deposit offers better returns than regular FDs without locking in your savings. It is designed for salaried professionals, business owners, and anyone with surplus funds. It also comes with flexible tenure and automatic fund management. Money Max Deposit auto-sweeps surplus above ₹50,000 into a fixed deposit, while Flexi Sure FD allows manual deposits and partial withdrawals. It also helps avoid RBL Bank FD premature withdrawal by giving access to funds without closing the full deposit.