DCB Bank Savings Account Interest Rate & Minimum Balance 2025

The DCB Bank savings account interest rates go up to 6.00% p.a., making it one of the most competitive options in India. DCB Bank offers multiple account types with flexible minimum balance requirements—whether you're managing personal savings or seeking digital-first features. These accounts come with benefits like cashback, free ATM transactions, and digital banking access. 

Keep reading to explore the DCB Bank interest rates on saving account types, features, and how to choose the best one for your needs.

What is a DCB Bank Savings Account?

The DCB Bank savings account is a secure and convenient money-saving method. It enables an individual account holder’s savings to grow at competitive interest rates. The funds can also be accessed through online banking, mobile banking, and ATMs. 

The account also offers other distinguishing features such as bill payment, debit card issuance, free fund transfer, etc. The bank has made it mandatory to maintain the minimum balance. However, this balance varies depending on your chosen account and branch. DCB Bank’s savings account is ideal for those looking to manage daily expenses while earning interest on savings. 

Types of Savings Account in DCB Bank

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

How Much Minimum Balance is Required to Maintain in DCB Bank?

Here is a detailed overview of the minimum balance to be maintained in a DCB savings account:

Features and Benefits of DCB Bank Savings Account

Some of the distinguishing features and benefits of availing of a DCB Bank savings account are as follows:

• Provides access to all DCB Bank and Visa ATMs in India, which comes free of cost (subject to maintenance of an Average Quarterly Balance of ₹10,000)
• Avail banking services at any branch
• Carry out internet money transfer service
• Send money securely and conveniently with NEFT or RTGS completely free
• Banking at all branches across all DCB bank locations
• The fees every year are comparatively low
• For use of a local or international debit card, payment of a one-time annual charge of ₹99 is mandatory
• Free ATM transactions
• Carry out up to five free ATM transactions at any DCB Bank branch and Visa ATMs
• Provides facilities for joint applicants
• Any individual aged 18 years and above can be added as a Joint Applicant
• High transaction limit applicable on daily transactions
• Avail a daily ATM withdrawal limit of ₹25,000 with a spending limit of ₹40,000

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.
• Navigate to the 'Savings Account' section under 'Personal' banking.
• Explore the various savings account options available and select the one that best suits your needs.
• Click on 'Apply Now' or a similar prompt associated with your 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.

DCB Bank Savings Account Interest Rate 2025

The table below displays the DCB Bank savings account interest rates for 2025:

DCB Bank Savings Account Interest Rate for Senior Citizens

As of April 2025, DCB Bank does not offer differentiated interest rates on savings accounts for senior citizens. The savings account interest rates are uniform across all customer segments, regardless of age.

However, senior citizens can benefit from higher interest rates on Fixed Deposits (FDs). DCB Bank provides an additional interest rate, typically ranging from 0.25% to 0.75% per annum over the standard FD rates, for individuals aged 60 years and above. This additional interest ensures better returns and financial stability for senior citizens. 

DCB Bank Savings Account Maximum Balance

There is usually no maximum balance limit for all different types of DCB Bank savings accounts. This however excludes the DCB Basic Savings Bank Deposit Account (BSBDA), where the balance to maintain should not be more than ₹50,000. 

Penalty for Not Maintaining Minimum Balance in DCB Bank Savings Account

The charges for not maintaining minimum balance are given below:

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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