RBL Bank FD Interest Rates 2026

RBL Bank FD Interest Rates

RBL Bank offers various FD schemes that include Raksha Kavach FDs, Flexi Sure FDs, Money Max Deposits with auto-sweep, RBL Tax Saving FD schemes, and higher Senior Citizen FD rates. The latest RBL FD interest rates are below for the general and senior citizens across different deposit amounts and tenures:

RBL Bank FD Interest Rates (Below ₹3 Crores)

*RBL Bank FD interest rates w.e.f. September 24, 2025

RBL Bank FD Interest Rates (Above ₹3 Crore)

*RBL Bank FD interest rates w.e.f. September 24, 2025. The above rates apply to general citizens for deposit amounts from ₹3 Cr to ₹ 3.50 Cr

RBL Bank Fixed Deposit Latest Update

According to the report, RBL Bank is one of the private sector banks that is offering the highest fixed deposit interest rates of 7.70% to senior citizens.

RBL Bank Fixed Deposit: Key Highlights

RBL Bank FD Interest Rates Schemes

1. RBL Tax Savings Fixed Deposit

   Enjoy RBL Tax Savings FD with tax concession under Section 80C of up to 1.5 lakh per annum with this 5-year fixed deposit scheme.

   • Tenure: 5 years
   • Premature Withdrawal - Not Allowed
   • Nomination Facility - Available

2. RBL Digital Fixed Deposit

   There is no need to have a savings account to open an FD online. It is a simple, easy, fast, and completely digital process.

   • Tenure: 7 days to 10 years
   • Interest Payout options: Re-investment and monthly & quarterly are available
   • Nomination Facility: Yes, available
   • Zero Penalty: You can make a premature withdrawal without any penalty

3. RBL Senior Citizen Fixed Deposits (Wealth Secure) Scheme

   For the senior citizens living in the area who are 60 years and older. Get better interest rates and tenures that are flexible and guarantee stable and safe returns.

   • Tenure: 7 days – 20 years; Maximum tenure is 10 years
   • Overdraft Facility - Up to 90% of the principal value
   • Premature/ Pre-withdrawal Facility - Yes, allowed without any penalty
   • Payout options - Monthly and quarterly

4. RBL Super Senior Citizen FD (Akshay Nidhi)

   Super senior citizens who are residents and above 80 years of age will attract an extra 0.75% p.a. interest on all FD tenures. An exclusive product to increase returns and financial stability in your retirement years.

   • Tenure - 7 Days to 10 years
   • Overdraft Facility - Up to 90% of the principal value
   • Pay-out Options - Monthly and Quarterly options available
   • Nomination Facility - Available

5. RBL Flexi Sure Fixed Deposits

   This plan allows the depositors to connect their FDs with their savings or current account. When there is a deficit in the fund in the linked savings or current account, then the linked deposit amount can be partly broken, and the rest of the deposit amount will still earn the FD interest rate.

   • Early Withdrawal: Penalty applicable is less than 1%.
   • Interest computation: Simple interest for deposits less than 181 days
   • TDS: Deducted by the bank

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.
• Premature 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.
• Loan 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.
• 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.

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:

Through the MOBank App or Internet banking

• Log In - Open RBL NetBanking site or log in to MOBank App.
• Go to Deposits - Enter the Deposits or Fixed Deposits.
• Open a New FD - Click on the Open Fixed Deposit and enter the amount and details.
• Complete KYC Verification - Enter mobile number linked with Aadhaar, Aadhaar, and PAN, and do full KYC.
• Confirmation and Submission - Verify all the information and approve the transaction.
• Get a Receipt - An online FD receipt will be produced immediately.

Note: Online FD booking service is available 24X7, even on weekends and holidays, for existing savings account holders.

Offline Method

• Visit the Nearest RBL Branch: Find the nearest RBL Branch.
• 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 with the required information.
• Submit your KYC Documents: Submit self-attested copies of PAN and Aadhaar.
• Deposit FD Amount: The FD amount can be deposited through cash, cheque, or online transfer.
• FD Receipt: After depositing the FD amount, the bank will give the official FD Receipt with all details.

Who Can Open an RBL Bank Fixed Deposit Account?

The following individuals and entities are eligible to open a Fixed Deposit with RBL Bank:

• Resident individuals
• Hindu Undivided Families (HUFs)
• Trusts
• Partnerships
• Private and Public Limited Companies

Conclusion

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 incur penalties, and returns may not keep pace with inflation. To make an informed choice, you can compare FD Interest Rates in India across various banks and schemes.