RBL Bank Fixed Deposit (FD) Interest Rates 2025
RBL Bank offers Fixed Deposit (FD) schemes designed to deliver safe and reliable returns across various tenures. The interest rates range from 3.50% to 8.00% p.a., With a minimum deposit of ₹5,000 and a tenure ranging from 7 days to 10 years. Keep reading to know more RBL Bank FD and its latest interest rates in 2025.
Highlights for 2025 Fixed Deposit Scheme of RBL Bank
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.00- 8.50% p.a. |
Public Interest Rates | 3.50-8.00% p.a. |
Highest Interest Rates for Public | 8.00% p.a. |
Highest Interest Rates for Senior Citizens | 8.50% p.a. |
Premature Withdrawal | 1% Penalty |
Minimum Deposit Amount | Rs 5,000 |
Interest Rates of FD for RBL Bank for the Year 2025
The interest rates provided in the table below apply to deposits up to Rs.3 crore applicable from 29th July 2024 (Premature Withdrawal Allowed):
Tenure | General Public (% p.a.) | Senior Citizens (% p.a.) |
7 to 14 days | 3.50% | 4.00% |
15 to 45 days | 4.00% | 4.50% |
46 to 3 months (90 days) | 4.50% | 5.00% |
3 to 6 months (91-180 days) | 4.75% | 5.25% |
6 to 8 months (181-240 days) | 5.50% | 6.00% |
8 to 12 months (241-364 days) | 6.05% | 6.55% |
1 to 1.25 years (365-452 days) | 7.50% | 8.00% |
1.25 to 1.26 years (453-459 days) | 7.50% | 8.00% |
1.26 to 2 years (460-724 days) | 7.80% | 8.30% |
2 to 2.08 years (725-759 days) | 7.50% | 8.00% |
2.08 to 5 years (760-1826 days) | 7.10% | 7.60% |
5 to 10 years (1827-3650 days) | 7.10% | 7.60% |
*Interest rates are subject to change from time to time.
Different Types of RBL Bank FD Schemes
- Digital Fixed Deposit:
A Digital Fixed Deposit is a fixed deposit which can be opened and managed entirely online through the RBL Bank’s website or RBL MoBank App. You can deposit a lump sum of money for a fixed period at a fixed interest rate. This scheme gives you a guaranteed return on your deposits.
- ACE Fixed Deposit:
ACE Fixed Deposit is a domestic term deposit in which the depositor gets a differential interest rate over the normal fixed deposit rate for deposits of Rs.1 crore and above. However, the depositor must surrender the premature withdrawal option. The tenure of this account can be minimum of 12 months to a maximum of 120 months.
- Regular Fixed Deposit:
The scheme allows you to earn attractive returns when you deposit a lump sum for a minimum period of seven days. The maximum tenure allowed under the scheme is 10 years. The scheme offers partial/premature withdrawal on your deposit.
- Senior Citizen Fixed Deposit:
This scheme is dedicated to senior citizens, i.e., individuals aged 60 and above but below 80. You can get an additional 0.5% interest rate over and above the interest rate applicable to the regular scheme. Most other features of the scheme remain the same as those of the Regular FD scheme.
- Super Senior Citizen Fixed Deposits:
This scheme is dedicated to super senior citizens, i.e., individuals aged 80 and above. You can get an additional 0.75% interest rate over and above the interest rate applicable to the regular scheme. Most other features of the scheme remain the same as those of the Regular FD scheme.
- Flexi Sure Fixed Deposit:
A savings/current account will be linked to the FD account opened under this scheme. You can enjoy good returns along with a high liquidity factor under the scheme. Any shortfall in the linked savings account will be balanced by breaking the exact amount from the FD account. The remaining FD account balance will continue to earn interest at the agreed-upon rate. Note that multiple FD accounts can be linked to a single savings account.
Term-wise RBL Bank FD Rates
Deposit Tenure | General Citizens | Senior Citizens |
Short-Term Deposits | ||
7 days to 1 year | 3.50% – 6.05% | 4.00% – 6.55% |
Medium-Term Deposits | ||
1 year to 5 years | 7.10% – 8.00% | 7.60% – 8.50% |
Long-Term Deposits | ||
5 years to 10 years | 7.00% – 7.10% | 7.50% – 7.60% |
How to Invest in RBL Bank FD?
An RBL Bank Fixed Deposit can be opened through both online and offline methods. Here’s how you can do it:
Online Method
Step 1: Visit the official website of RBL Bank website.
Step 2: Under the Menu, click on ‘Personal Banking’.
Step 3: Under the ‘Fixed Deposits’ section, click on the ‘Read More’ option.
Step 4: Choose the type of Fixed Deposit you want to open.
Step 5: Click on ‘Apply Now’.
Step 6: Enter your details, including name, state, city, mobile number, and email ID.
Step 7: Agree to the terms and conditions and click on ‘Call Now’ or ‘Call Later’.
Step 8: An RBL Bank executive will contact you for further processing.
Offline Method
Step 1: Visit the nearest RBL Bank branch.
Step 2: Fill out the RBL Bank FD application form and submit the required documents along with the deposit amount.
Step 3: After processing, your FD account will be successfully opened, and you’ll receive the FD receipt.
Special Features and Benefits of RBL Bank FD
- Get attractive interest rates on the lump-sum deposit you make.
- The minimum deposit tenure is seven days, and the maximum is 10 years.
- Choose the interest compounding frequency from the available options of monthly, quarterly, and upon maturity.
- Nomination facility is available.
- Get an overdraft facility against the deposit instead of prematurely withdrawing it subject to certain conditions.
- Book the deposit offline at the branch or online via net banking and mobile banking.
- Get an additional 0.5% interest on Senior Citizen Fixed Deposit scheme and 0.75% interest on Super Senior Citizen Fixed Deposit scheme.
Basic Eligibility Criteria for RBL Bank FD
- Resident individuals
- Senior citizens
- Non-resident Indians
Documents Required
- Proof of Identity
- Passport
- PAN card
- Voter ID
- Driver’s license
- Aadhaar card
- Proof of Address
- Passport
- Aadhaar card
- Bank statement with a cheque
- Proof of Date of Birth
- Service discharge certificate
- PAN card
- Aadhaar card
- Voter ID
Tax Benefits on RBL Bank Fixed Deposit
RBL Bank offers an FD scheme, Tax Savings Fixed Deposit, that provides income tax exemption under Section 80C of the Income Tax Act, 1961 and good returns on investment. Make a minimum deposit of Rs.100 up to Rs.1.5 lakh in the multiples of Rs.100. The scheme comes with a fixed deposit tenure of five years. Note that partial/premature withdrawals are not allowed.
Further, the tax will be deducted at source by the bank if the interest earned over the deposit accounts exceeds Rs.40,000 per financial year. You can submit Form 15G/15H to the bank requesting not to deduct tax at source only if your total annual income is well within the basic exemption limit.
RBL vs Other Banks' FD Rates
Bank Name | Regular Customers (% p.a.) | Senior Citizens (% p.a.) |
HDFC Bank | 3.00% – 7.35% | 3.50% – 7.85% |
Punjab National Bank | 4.55% – 7.30% | 5.05% – 7.80% |
Axis Bank | 3.00% – 7.25% | 3.50% – 7.75% |
City Union Bank | 5.00% – 7.50% | 5.00% – 8.00% |
Canara Bank | 4.00% – 7.25% | 4.00% – 7.75% |
Bank of Baroda | 4.25% – 7.25% | 4.75% – 7.75% |
ICICI Bank | 3.00% – 7.25% | 3.50% – 7.80% |
HSBC Bank | 2.85-7.50% p.a. | 3.35- 8.00% p.a. |
Citibank | 2.10% – 7.77% | 2.60% – 8.27% |
State Bank of India | 3.50% – 7.10% | 4.00% – 7.60% |
Indian Overseas Bank | 4.00% – 7.30% | 4.50% – 7.80% |
IDBI Bank | 3.00% – 7.00% | 3.50% – 7.50% |
Indian Bank | 2.80% – 7.25% | 3.30% – 7.75% |
IDFC First Bank | 3.00% – 7.75% | 3.50% – 8.25% |
Post Office FD | 6.90% – 7.50% | 6.90% – 7.50% |
Kotak Bank | 2.75% – 7.40% | 3.25% – 7.90% |
FD Interest Rate Calculator
Get the help of our FD calculator page to predict the returns you may receive upon placing your surplus savings in a fixed deposit account.
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