DCB Bank Savings Account Interest Rate & Minimum Balance 2025

DCB Bank interest rates on savings account are competitive and attractive, offering returns of up to 7.20% p.a. DCB Bank also provides multiple savings account types with flexible minimum balance requirements, free ATM transactions, and digital banking access. 

Key Highlights:

• DCB Bank saving account interest rate: From 1.50% to 7.20% p.a., depending on the account balance
• DCB Bank saving account minimum balance: From zero to ₹5 lakh, depending on the account type
• Penalty for non-maintenance of the minimum balance: ₹350 to ₹500, depending on the account type

What is a DCB Bank Savings Account?

The DCB Bank savings account offers a secure way to grow savings at competitive interest rates, with easy access via online, mobile, and ATM banking. It includes features like bill payment, debit card, and fund transfers. A minimum balance is required, varying by account type and branch, making it suitable for managing daily expenses while earning interest.

DCB Bank Savings Account Interest Rate 2025

The table below displays the DCB Bank interest rates on saving account for 2025, effective from 15 August 2025:

Types of Savings Account in DCB Bank

DCB Bank offers individual customers a wide variety of savings accounts:

• DCB Happy Savings Account - A high-yield savings account designed to offer cashback on UPI transactions.
• DCB Elite Savings Account - A premium account designed for a select group of individuals with personalised account number facility.
• DCB Niyo Savings Account - A global account with Platinum Debit Card powered by Visa and zero foreign exchange conversion fee on international transactions.
• DCB SmartCash Savings Account - Account designed to offer cashback rewards on your spending made using the DCB Debit Card.
• DCB Privilege Savings Account - Account offering exclusive benefits to meet the diverse financial needs of privileged customers.
• DCB Classic Savings Account - Account with low balance maintenance requirement, offering with essential banking features.
• DCB Basic Savings Bank Deposit Account -  Account with no minimum balance requirement, providing essential banking facilities.

How to Open a DCB Bank Savings Account Online?

To open a DCB Bank savings account online and avail of the applicable interest rates, follow these steps:

• Visit the official DCB Bank website.
• Click on 'Savings Account' section under 'Accounts' section.
• Explore the various savings account options available and select the one that best suits your needs.
• Click on 'Apply Now' option for the chosen account type.
• Fill in the required details, including your name, email ID, phone number, and other pertinent information.
• Submit the form; a bank representative will contact you to guide you through the remaining account opening process.

Eligibility To Open a DCB Bank Savings Account

All Indian resident individuals are eligible to open a DCB Bank savings account.

Documents Required to Open a DCB Bank Savings Account

• Recent passport-size photographs
• Identity proof, such as Aadhaar card, PAN card or passport.
• Age and address proof, such as drivers license, voter ID or utility bills.
• Any other KYC documentation, as required.

Penalty for Not Maintaining Minimum Balance in DCB Bank Savings Account

The charges for not maintaining the minimum savings account balance are given below:

Conclusion

DCB Bank savings accounts offer good interest rates, easy access to money, and useful features like online banking and free ATM use. With different account types for all needs and flexible balance rules, it's a smart and simple way to manage and grow your savings.

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