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The bank also offers various fixed deposit products for NRIs, such as NRO, NRE, and FCNR fixed deposits. DCB Bank accepts FCNR fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro (EUR), Australian Dollar (AUD), and Canadian Dollar (CAD).
| DCB Bank FD Interest Rates (p.a.) Highlights | |
| Highest slab rate | 7.15% (Above 60 months to 61 months) |
| For 1 year | 6.90% |
| For 2 years | 6.90% |
| For 3 years | 7.00% |
| For 4 years | 7.00% |
| For 5 years | 7.00% |
| Tax-Saving FD | 7.00% |
The interest rates are updated as of 22 December 2025
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
DCB Bank Fixed Deposit Interest Rates
Fixed Deposit Interest Rates on Domestic/NRO deposits of less than Rs 3 crore w.e.f. 11 December 2025
| Tenure | Interest Rates (% p.a.) | ||
| Regular Citizens | Senior Citizens | Senior Citizens Plus | |
| 7 days to 45 days | 3.75 | 4.00 | 4.00 |
| 46 days to 90 days | 4.50 | 4.75 | 4.75 |
| 91 days to less than 6 months | 4.75 | 5.00 | 5.00 |
| 6 months to less than 10 months | 6.00 | 6.25 | 6.25 |
| 10 months to less than 12 months | 6.50 | 6.75 | 6.75 |
| 12 months to less than 15 months | 6.90 | 7.15 | 7.15 |
| 15 months to less than 16 months | 7.00 | 7.50 | 7.50 |
| 16 months to less than 27 months | 6.90 | 7.15 | 7.15 |
| 27 months to less than 28 months | 7.00 | 7.25 | 7.25 |
| 28 months to less than 37 months | 7.00 | 7.25 | 7.25 |
| 37 months to 38 months | 7.10 | 7.60 | 7.65 |
| Above 38 months to 60 months | 7.00 | 7.25 | 7.25 |
| Above 60 months to 61 months | 7.15 | 7.65 | 7.70 |
| Above 61 months to 120 months | 7.00 | 7.25 | 7.25 |
DCB Bank Tax Saver Deposit
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years | 7.00 | 7.25 |
NRE Fixed Deposit Interest Rates of deposits less than Rs 3 crores w.e.f. 11 December 2025
| Tenure | Interest Rates (% p.a.) |
| 12 months to less than 15 months | 6.90 |
| 15 months to less than 16 months | 7.00 |
| 16 months to less than 27 months | 6.90 |
| 27 months to less than 28 months | 7.00 |
| 28 months to less than 37 months | 7.00 |
| 37 months to 38 months | 7.10 |
| Above 38 months to 60 months | 7.00 |
| Above 60 months to 61 months | 7.20 |
| Above 60 months to 120 months | 7.00 |
FCNR (B) Fixed Deposit Interest Rates w.e.f. 19 September 2025
| Currency | Interest Rates (% p.a.) | ||||
| 1 year to less than 2 years | 2 years to less than 3 years | 3 years to less than 4 years | 4 years to less than 5 years | 5 years | |
| USD (less than 3,50,000) | 5.30 | 5.00 | 3.50 | 3.50 | 3.50 |
| USD (Above 3,50,000) | 5.10 | 5.00 | 3.50 | 3.50 | 3.50 |
| GBP | 5.00 | 2.75 | 2.75 | 2.75 | 2.75 |
| EUR | 3.00 | 0.75 | 0.75 | 0.75 | 0.75 |
| AUD | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 |
| CAD | 3.00 | 3.00 | 3.00 | 3.00 | 2.80 |
Types of DCB Bank FD Schemes
Regular Fixed Deposits (Reinvestment of Interest Component)
- This scheme allows reinvestment of the interest component into the deposit amount
- Additional 0.50% p.a. interest rates are offered to senior citizens FD depositors
- Minimum deposit amount: Rs 10,000
- Tenure:7 days – 10 years
- Monthly/Half-yearly/Quarterly/Yearly basis pay-out options are available
- Depositors can avail of loans/overdrafts of up to 80% against fixed deposits
- Automatic renewal facility is available
DCB Tax Saver Fixed Deposit
- Investments made in the tax saver FDs of up to Rs 1.5 lakhs in a financial year can be claimed for tax deduction under section 80C of the Income Tax Act
- Deposit amount: Minimum: Rs 10,000; Maximum: Rs 1.5 lakhs in a financial year
- Tenure: 5 years
- Quarterly interest/quarterly compounding pay-out option is available
- Loan against deposits is not allowed
- FD cannot be used as collateral for availing loan
- Senior citizens are offered an additional 0.50% over and above the domestic FD rates
- Auto-renewal facility is not available
DCB Suraksha Fixed Deposit
- This fixed deposit scheme also offers free life insurance benefits along with a fixed deposit
- Minimum deposit amount: Rs 10,000
- Tenure: 3 years
- The life insurance cover offered to the primary account holder will be equal to the amount of all DCB Suraksha Fixed Deposits held, subject to a maximum of Rs 10 lakhs
- Insurance cover is valid from the age of 18 years till the account holder attains the age of 55 years
- No medical test is required
- The insurance policy starts from the date of the policy issuance, however, the cover would start after 45 days of the initial waiting period, except for any unfortunate event due to accidental occurrence.
- Non-Resident Indians (NRIs), who have an India passport, can open DCB Suraksha Fixed Deposit. This deposit type is not offered to Overseas Citizens of India (OCIs) or Persons of Indian Origin (PIOs) or Foreign Nationals.
- For NRIs, the minimum deposit amount is 1,000 for FCNR(B) deposits under DCB Suraksha Fixed Deposit in any of these currencies – USD, AUD, EURO, CAD and GBP.
DCB ZIPPI Online Fixed Deposit
- This scheme allows depositors to open a fixed deposit online
- Deposit amount: Minimum- Rs 10,000; Maximum- Rs 50 lakhs
- Once KYC is completed through video KYC, depositors can open additional deposits for a period between 14 days to 10 years
- Tenure: 30 days – 5 years
- The principal amount and the interest earned will be transferred to the depositor’s existing bank account opened with other banks. DCB Savings Account is not required
DCB Health Plus Fixed Deposit
- This scheme provides free medical benefits and emergency services under ICICI Lombard Group Take Care Insurance Plan
- Minimum deposit amount: Rs 10,000
- Age eligibility: 18 years to 70 years
- Depositors can open a maximum of 4 DCB Health Plus Fixed Deposits
- The benefits under this scheme are available on the basis of the individual and not the cumulative amount of the FD
- These health benefits are applicable on a yearly basis. If a depositor does not use some health benefits throughout the year, they will expire at the completion of the year. A fresh set of similar benefits will be available to the depositors for the next year
- The certificate of insurance will be issued within 15 working days of the FD opening via email
- Premature withdrawal is allowed. However, free health benefits coverage will cease to exist
- Depositors can avail of a loan/overdraft on the deposit amount
- Nomination facility is available
- The auto-renewal facility is available, provided at the time of renewal the bank still has a tie-up with the insurance provider
- IL Take Care app offered by ICICI Lombard General Insurance Company Ltd allows depositors access to health benefits as per their eligibility. Any service not booked through the IL Take Care app will be excluded from the policy’s benefits
NRE Term Deposits
- Tenure: 1 year – 10 years
- No interest will be paid if the FD is closed before the completion of 1 year
- Deposits are compounded quarterly and paid half-yearly
- A simple interest pay-out option is also available
- The principal amount and interest earned are freely repatriable
- An overdraft facility is available against the deposits
- Premature withdrawal is allowed
- Overdraft of up to 85% is allowed against the FD amount
- In the case of an overdraft facility, an additional 2% interest rate will be charged over and above the FD interest rate
NRO Term Deposit
- Tenure: 7 days – 10 years
- The deposits are paid half-yearly but compounded quarterly
- A simple interest pay-out option is also possible
- The funds in NRE deposits are repatriable
- Overdraft of up to 85% is allowed against the FD amount
NRO Tax Saver Fixed Deposit
- Deposit amount: Minimum: 10,000; Maximum: Rs 1.5 lakhs in a financial year
- Tenure: 5 years – 10 years
- Lock-in period: 5 years
- Quarterly or monthly interest pay-out options are available
- No partial or premature withdrawal is allowed
- Sweep-in not allowed
- Overdraft or pledge is not permitted
FCNR (B) Deposits
- This FD scheme can be opened in the following currencies: US Dollars (USD), British Pound Sterling (GBP), Euro, Australian Dollar (AUD), and Canadian Dollar (CAD)
- Tenure: 1 year – 5 years
- No interest will be paid if the FD is closed before the completion of 1 year
- Interest rates are compounded half-yearly
- The principal amount and interest earned are freely repatriable
- Overdraft of up to 70% is allowed against the FD amount
- In case of an overdraft facility, an additional 2% interest rate will be charged over the FD interest rate
Premature Withdrawal of Fixed Deposits – Penalty Charges
Interest will be paid after deducting the penal rate from the applicable interest rate. The applicable interest rate would be the interest rate applicable for the period of deposit for which the FD remained with the bank. No premature withdrawal is allowed in Tax Saving FD.
Penalty for Premature Closure of Resident/NRO Fixed Deposits
| Deposit amount | 7 – 13 days | 14 – 29 days | 30 days & above |
| Less than Rs 2 crore | No interest is paid | 0.50% is deducted from the applicable interest rate | 0.50% is deducted from the applicable interest rate |
| Rs 2 crore and above | No interest is paid | No Interest is paid | 2% is deducted from the applicable interest rate |
Penalty for Premature Closure of NRE Fixed Deposits
| Deposit amount | Less than 1 year | 1 year or more |
| Less than Rs 2 crore | No interest is paid | 0.50% is deducted from the applicable interest rate |
| Rs 2 crore and above | No interest is paid | 2% is deducted from the applicable interest rate |
Penalty for Premature Closure of FCNR (B) Deposits
- Premature withdrawals of deposits (opened/renewed prior to 1st October 2021) of duration more than 1 year and up to 5 years, will be subject to a penalty rate of 1%
- Premature withdrawals of deposits (opened/on or after 1st October 2021) of duration more than 1 year and up to 5 years, will be subject to a penalty rate of 0.5%
DCB Bank Loan Against FD
DCB Bank provides its customers with the facility of Loan against fixed deposit at up to 80% at attractive interest rates. This helps customers get secured loans without having to liquidate their FD and lose interest.
FD Calculator
Investors can check the maturity amount of the scheme by using the FD Interest Rate Calculator at Paisabazaar. Also, DCB Bank FD Interest rates differ for different tenures. Investors can open a fixed deposit by comparing different interest rates and calculating their total earnings. In the case of reinvestment schemes, investors can check the interest and the maturity amount by using the compound interest calculator.
FAQs
Q. What is the highest FD rate in DCB Bank?
A. The highest fixed deposit rate for DCB Bank is 7.15% for general citizens and 7.65% p.a. for senior citizens for a tenure of above 60 months to 61 months.
Q. Is TDS applicable on DCB Bank Tax-Saver FD?
A. Tax is deducted at source, from the interest on Tax-Saver Fixed Deposit, as applicable, as per the Income Tax Act, 1961.
Q. Can an account holder prematurely close his/her fixed deposit account?
A. Yes, an account holder can prematurely close his/her fixed deposit account and will be charged penal interest as mentioned above.
Q. What is the minimum deposit amount for DCB Bank Fixed Deposit?
A. The minimum deposit amount for DCB bank fixed deposit is Rs. 10,000.
Q. What documents are required to open a senior citizen’s regular fixed deposit?
A. The following documents can be accepted as valid proof of age for this purpose:
- PAN Card
- Passport
- Pension Card
- Government Identity Card
- School Leaving Certificate
- Birth Certificate