If you are worried about losing your savings, consider putting it in a fixed deposit. DCB Bank offers you a variety of fixed deposit options including a tax saving account. You get flexible tenures to choose from which range from 7 days to 10 years with attractive interest rates that will help you maximize your savings.
DCB Bank FD rates offer interest rates starting from 3.75% – 8.05% p.a. for normal investors and 4.25% – 8.55% p.a. for senior citizen investors. DCB also offers DCB tax saving FDs where you can claim tax benefits of up to ₹1.5 lakhs in one financial year. Providing investors the opportunity to grow their savings. Given below are the DCB FD rates in detail.
DCB Bank offers specialised FD schemes like the DCB Health Plus FD, which combines attractive interest rates with health benefits.
DCB FD Rates For Regular Citizens
The DCB bank FD interest rates are offered with callable and non-callable FD accounts. Here are the rates and tables below:
DCB Bank FD Rates for Deposits Less Than ₹3 Crores
| Tenure | Interest Rate (%) p.a. | Effective Annualised Yield |
|---|---|---|
| 7 – 45 days | 3.75% | 3.75% |
| 46 – 90 days | 4.00% | 4.00% |
| 91 days to | 4.75% | 4.75% |
| 6 months to | 6.20% | 6.30% |
| 10 months to | 7.25% | 7.38% |
| 12 months | 7.10% | 7.29% |
| >12 months to 12 months 10 days | 7.75% | 7.98% |
| 12 months 11 days to 17 months | 7.15% | 7.41% |
| 17 months 1 day to 18 months 5 days | 7.10% | 7.42% |
| 18 months 6 days to | 7.40% | 7.75% |
| 19 months to 20 months | 8.05% | 8.47% |
| 20 months 1 day to | 7.40% | 7.82% |
| 700 days to 26 months | 7.50% | 8.01% |
| >26 months to | 7.55% | 8.39% |
| 37 months to 38 months | 7.75% | 8.63% |
| >38 months to | 7.40% | 8.86% |
| 61 months | 7.65% | 9.21% |
| >61 months to 120 months | 7.25% | 10.51% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
Non-callable DCB Bank FD Interest Rates For Deposits Above ₹1 Cr to less than ₹3 Crores
| Tenure | Interest Rate (%) p.a. |
|---|---|
| 12 months | 7.40% |
| >12 months to 12 months 10 days | 8.10% |
| 12 months 11 days to 18 months 5 days | 7.40% |
| 18 months 6 days to | 7.75% |
| 19 months to 20 months | 8.15% |
| 20 months 1 day to | 7.75% |
| 700 days to 26 months | 7.80% |
| >26 months to | 7.85% |
| 37 months to 38 months | 8.10% |
| >38 months to 60 months | 7.65% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
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DCB Bank FD Interest Rates for Bulk Deposits
DCB Bank offers bulk deposit FDs up to ₹100 Crores above. Given below are the callable and non-callable FD rates and tenures for bulk deposits:
DCB FD Rates for Deposits of ₹3 to ₹5 Crores
Check DCB Bank deposit rates for deposits between ₹3 to ₹5 Crores, with callable & non-callable deposit options.
| Tenure | Callable Rates | Non-Callable Rates |
|---|---|---|
| 7 days to 14 days | 3.00% | – |
| 15 days to 30 days | 3.25% | – |
| 31 days to 45 days | 3.50% | – |
| 46 days to 60 days | 3.75% | – |
| 61 to 89 days | 4.10% | – |
| 90 days | 6.50% | – |
| 91 days to 119 days | 6.75% | 6.85% |
| 120 days | 7.75% | 6.85% |
| 121 days to less than 6 months | 6.80% | 6.95% |
| 6 months to less than 7 months | 6.80% | 6.95% |
| 7 months to less than 9 months | 6.90% | 7.05% |
| 9 months to less than 12 months | 7.00% | 7.15% |
| 12 months | 7.10% | 7.15% |
| More than 12 months to less than 15 months | 7.10% | 7.15% |
| 15 months to less than 18 months | 7.10% | 7.15% |
| 18 months to less than 24 months | 7.10% | 7.15% |
| 24 months | 7.10% | 7.15% |
| More than 24 months to 36 months | 7.10% | 7.15% |
| More than 36 months to 60 Months | 6.50% | 6.85% |
| More than 60 months to 120 Months | 6.50% | – |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB FD Rates for Deposits of ₹5 to ₹10 Crores
Check DCB Bank’s fixed deposit rates for deposits between ₹5 & ₹10 crores, with callable & non-callable deposit options.
| Tenure | Callable Rates | Non-Callable Rates |
|---|---|---|
| 7 days to 14 days | 3.00% | – |
| 15 days to 30 days | 3.25% | – |
| 31 days to 60 days | 3.50% | – |
| 61 days to 90 days | 7.15% | – |
| 91 days | 7.60% | 7.70% |
| 92 days to 120 days | 7.50% | 7.60% |
| 121 days to less than 6 months | 7.65% | 7.75% |
| 6 months to less than 7 months | 7.70% | 7.85% |
| 7 months to less than 9 months | 7.70% | 7.85% |
| 9 months to less than 12 months | 7.70% | 7.85% |
| 12 months | 7.85% | 8.10% |
| More than 12 months to less than 15 months | 7.85% | 8.10% |
| 15 months to 18 months | 7.50% | 7.70% |
| >18 months to less than 24 months | 7.50% | 7.70% |
| 24 months | 7.50% | 7.70% |
| More than 24 months to < 36 months | 7.50% | 7.70% |
| 36 months | 7.50% | 7.70% |
| More than 36 to 60 months | 7.40% | 7.60% |
| More than 60 months to 120 months | 7.40% | – |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
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DCB FD Rates for Deposits of ₹10 to ₹100 Crores
Check DCB Bank’s FD rates for deposits between₹10 & ₹100 crores, with callable & non-callable deposit options.
| Tenure | Callable Rates | Non-Callable Rates |
|---|---|---|
| 7 days to 14 days | 3.00% | – |
| 15 days to 30 days | 3.25% | – |
| 31 days to 45 days | 3.50% | – |
| 46 days to 60 days | 6.90% | – |
| 61 days to 90 days | 7.15% | – |
| 91 days | 7.60% | 7.70% |
| 92 days to 120 days | 7.50% | 7.60% |
| 121 days to less than 6 months | 7.65% | 7.75% |
| 6 months to less than 7 months | 7.70% | 7.85% |
| 7 months to less than 9 months | 7.70% | 7.85% |
| 9 months to less than 12 months | 7.70% | 7.85% |
| 12 months | 7.85% | 8.10% |
| More than 12 months to less than 15 months | 7.85% | 8.10% |
| 15 months to 18 months | 7.50% | 7.70% |
| More than 18 months to less than 24 months | 7.50% | 7.70% |
| 24 months | 7.50% | 7.70% |
| More than 24 months to less than 36 months | 7.50% | 7.70% |
| 36 months | 7.50% | 7.70% |
| More than 36 months to 60 months | 7.40% | 7.60% |
| More than 60 months to 120 Months | 7.40% | – |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB FD Rates For Deposits of Above ₹100 Crore
Check DCB Bank’s fixed deposit rates for deposits between above ₹100 crores, with callable & non-callable deposit options.
| Tenure | Callable Rates | Non-Callable Rates |
|---|---|---|
| 7 days to 14 days | 3.00% | – |
| 15 days to 30 days | 3.25% | – |
| 31 days to 45 days | 3.50% | – |
| 46 days to 60 days | 6.50% | – |
| 61 days to 89 days | 6.90% | – |
| 90 days | 6.90% | – |
| 91 days to 119 days | 7.40% | 7.50% |
| 120 days | 7.40% | 7.50% |
| 121 days to less than 6 months | 7.40% | 7.50% |
| 6 months to less than 7 months | 7.50% | 7.65% |
| 7 months to less than 9 months | 7.50% | 7.65% |
| 9 months to less than 12 months | 7.50% | 7.65% |
| 12 months | 6.50% | 6.65% |
| More than 12 months to less than15 months | 6.50% | 6.65% |
| 15 Months to 18 months | 6.50% | 6.65% |
| More than 18 months to less than 24 months | 6.50% | 6.65% |
| 24 month | 6.50% | 6.65% |
| More than 24 months to 36 months | 7.75% | 7.90% |
| More than 36 months to 60 months | 7.75% | 7.90% |
| More than 60 months to 120 Months | 7.50% | – |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
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DCB FD Interest Rates For Senior Citizens
Senior citizens can enjoy fixed deposit accounts with additional interest rates of 0.60% on top of the normal rates. Here are the tenures and applicable rates for DCB Bank senior citizen FDs:
| Tenure | Interest Rate (%) p.a. | Effective Annualised Yield |
|---|---|---|
| 7 – 45 days | 4.25% | 4.25% |
| 46 – 90 days | 4.50% | 4.50% |
| 91 days to | 5.25% | 5.25% |
| 6 months to | 6.70% | 6.81% |
| 10 months to | 7.75% | 7.90% |
| 12 months | 7.60% | 7.82% |
| >12 months to 12 months 10 days | 8.25% | 8.51% |
| 12 months 11 days to 17 months | 7.65% | 7.95% |
| 17 months 1 day to 18 months 5 days | 7.60% | 7.97% |
| 18 months 6 days to | 7.90% | 8.30% |
| 19 months to 20 months | 8.55% | 9.02% |
| 20 months 1 day to | 7.90% | 8.38% |
| 700 days to 26 months | 8.00% | 8.58% |
| >26 months to | 8.05% | 9.00% |
| 37 months to 38 months | 8.25% | 9.25% |
| >38 months to | 7.90% | 9.57% |
| 61 months | 8.15% | 9.94% |
| >61 months to 120 months | 7.75% | 11.55% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB FD Interest Rates For NRI
DCB Bank offers various types of FDs for NRIs including NRE, NRO and FCNR(B) accounts. Their tenures and interest rates are given below.
DCB Bank NRE Fixed Deposits Interest Rates
DCB bank offers its NRI investors both callable and non-callable deposits to help them maximise their savings, here are the interest rates and tenure of the account.
DCB Bank NRE FD Interest Rates for Deposits of Less Than ₹3 Crore:
| Tenure | Interest Rate (%) p.a. | Effective Annualised Yield |
|---|---|---|
| 12 months | 7.10% | 7.29% |
| More than 12 months to 12 months 10 days | 7.75% | 7.98% |
| 12 months 11 days to 17 months | 7.15% | 7.41% |
| 17 months 1 day to 18 months 5 days | 7.10% | 7.42% |
| 18 months 6 days to less than 19 months | 7.40% | 7.75% |
| 19 months 20 months | 8.05% | 8.47% |
| 20 months 1 day to less than 700 days | 7.40% | 7.82% |
| 700 days to 26 months | 7.50% | 8.01% |
| More than 26 months to less than 37 months | 7.55% | 8.39% |
| 37 months to 38 months | 7.75% | 8.63% |
| More than 38 months to less than 61 months | 7.40% | 8.86% |
| 61 months | 7.65% | 9.21% |
| More than 61 months to 120 months | 7.25% | 10.51% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB Bank NRE FD Interest Rates for Non-Callable Deposits above ₹1 Crore to Less Than ₹3 Crore:
| Tenure | Interest Rate (%) p.a. |
|---|---|
| 12 months | 7.40% |
| >12 months to 12 months 10 days | 8.10% |
| 12 months 11 days to 18 months 5 days | 7.40% |
| 18 months 6 days to less than 19 months | 7.75% |
| 19 months 20 months | 8.15% |
| 20 months 1 day to less than 700 days | 7.75% |
| 700 days to 26 months | 7.80% |
| More than 26 months to less than 37 months | 7.85% |
| 37 months to 38 months | 8.10% |
| More than 38 months to 60 | 7.65% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB Bank NRO Fixed Deposits Interest Rates
DCB Bank offers callable and Non-Callable NRO accounts for NRIs, here are the interest rates and applicable tenure below:
NRO FD (Non Resident Ordinary Fixed Deposit) Interest Rates
| Tenure | Interest Rate(%) p.a. | Effective Annualised Yield(%)p.a. |
|---|---|---|
| 7 days to 45 days | 3.75% | 3.75% |
| 46 days to 90 days | 4.00% | 4.00% |
| 91 days to | 4.75% | 4.75% |
| 6 months to | 6.20% | 6.30% |
| 10 months to < 12 months | 7.25% | 7.38% |
| 12 months | 7.10% | 7.29% |
| >12 months to 12 months 10 days | 7.75% | 7.98% |
| 12 months 11 days to 17 months | 7.15% | 7.41% |
| 17 months 1 day to 18 months 5 days | 7.10% | 7.42% |
| 18 months 6 days to < 19 months | 7.40% | 7.75% |
| 19 months to 20 months | 8.05% | 8.47% |
| 20 months 1 day to | 7.40% | 7.82% |
| 700 days to 26 months | 7.50% | 8.01% |
| >26 months to | 7.55% | 8.39% |
| 37 months to 38 months | 7.75% | 8.63% |
| >38 months to < 61 months | 7.40% | 8.86% |
| 61 months | 7.65% | 9.21% |
| >61 months to 120 months | 7.25% | 10.51% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB Bank Non-Callable NRO Interest Rates on Deposits above ₹1 Crore to Less Than ₹3 Crore:
| Tenure | Interest Rates (%) p.a. |
|---|---|
| 12 months | 7.40% |
| >12 months to 12 months 10 days | 8.10% |
| 12 months 11 days to 18 months 5 days | 7.40% |
| 18 months 6 days to | 7.75% |
| 19 months to 20 months | 8.15% |
| 20 months 1 day to | 7.75% |
| 700 days to 26 months | 7.80% |
| >26 months to | 7.85% |
| 37 months to 38 months | 8.10% |
| >38 months to 60 months | 7.65% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
FCNR(B) Fixed Deposits Account
DCB Bank offers NRIs an opportunity to invest in their FCNR accounts. Here are the interest rates and tenures:
| Currency | 1 year and above to < 2 years | 2 years and above to < 3 years | 3 years to < 4 years | 4 years to < 5 years | 5 years |
|---|---|---|---|---|---|
| USD | 6.20% | 5.35% | 3.50% | 3.50% | 3.50% |
| GBP | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| EUR | 4.00% | 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% |
Depositors are advised to confirm the interest rates with their local branches before placing deposits in the above-mentioned slabs. The interest rates are subject to change periodically.
DCB Bank FD Calculator
The FD calculator is a valuable tool that can help you understand the maturity amount you can get from the fixed deposit tenure you choose. It is a user-friendly tool that is available on the DCB website. Using the calculator is important as you can plan your savings according to your financial goals.
All you need to do is enter your deposit amount, tenure and the interest rate offered for the tenure. It will then calculate your maturity amount and show you how much interest you have accrued.
Investment
Amount
Yearly Investment Growth
It is a good idea to check and compare FD rates from different banks to make a suitable choice as per your needs. You can check bank-wise FD rates in the table below:
You can also check out other NBFC Fixed Deposit options below:
Check more on FD rates from the links provided below:
Eligibility Criteria For DCB Bank FD
The following are eligible to open an FD with DCB Bank:
- Resident individuals (single and joint)
- Non-Resident Indians (NRIs)
- Partnership firms
- HUFs
- Public and Private companies
Documents Required For DCB FD
Several documents will be required to open an FD with DCB Bank, these are:
Resident Indians
- Recent passport-size photograph
- A self-attested PAN card copy
- Self-attested copy of Voter ID Card, Aadhaar Card, Passport, Driving License & NREGA Card
Non-resident Indians
- Self-attested copies of the first and last four pages of the passport.
- Valid documents like work permits, employment visas, and residence permits.
- Address proofs for both Indian and overseas residences.
Public or Private Companies
- A copy of the Memorandum
- A copy of Articles of Association or By-laws.
- A resolution of investment.
- Specimen signatures of authorised persons.
- Address proofs, photographs, and PAN Cards of signing authorities.
Public or Private Companies
- A copy of the Memorandum
- A copy of Articles of Association or By-laws.
- A resolution of investment.
- Specimen signatures of authorised persons.
- Address proofs, photographs, and PAN Cards of signing authorities.
Partnership Firm
- Declaration of partnership.
- Names and addresses of partners.
- PAN Card copy of the firm.
- PAN Card copy of the firm.
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DCB Bank FD Types
DCB Bank offers an array of different fixed deposits that you can choose from. This gives you the opportunity to invest in any FD type or tenure that will give you the benefits you are looking for. There are four types of DCB fixed deposits offered by DCB Bank, these are given in the table below in detail:
| Feature | DCB Tax Saver FD | DCB Suraksha FD | DCB Zippi Online FD |
|---|---|---|---|
| Tax Saving | Yes (u/s 80C) | No | No |
| Max. Tax Benefit | Up to ₹1.5 lakh | N/A | N/A |
| Minimum Investment | ₹10,000 | N/A | N/A |
| Maximum Investment | ₹1.5 lakh per year | not specified | N/A |
| Tenure | 5 years (fixed) | 36 months (fixed) | Flexible (as per product offering) |
| Interest Payout | Quarterly compounding or quarterly payout | N/A | N/A |
| Premature Encashment | Not allowed | N/A | Policy specific |
| Life Insurance | No | Up to ₹10 lakh (ages 18-55) | No |
| Medical Test (Life Insurance) | No | Not required | N/A |
| Minimum Documents | N/A | Minimum required | Aadhaar & PAN |
| Online Investment | Yes | No | Yes |
| Loan Against FD | No | N/A | Policy specific pen_spark |
Furthermore, DCB Bank also offers DCB Health Plus Fixed Deposit which resident Indians between 18 and 70 years old can opt for with a minimum investment of ₹10,000. The FD has a fixed tenure of 700 days, where you’ll earn interest on your savings while gaining access to free medical benefits and emergency services provided by ICICI Lombard. You can even have four DCB Health Plus FD accounts and enjoy the flexibility of partial or premature withdrawals. It’s a unique option if you are looking to grow your savings while prioritising your health and well-being.
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DCB Bank FD Features & Benefits
DCB Bank fixed deposits offers many features and benefits that you can enjoy, these are:
- Attractive Interest Rates: Maximise your savings with competitive interest rates on your fixed deposits ranging from 3.75% to 8.00%.
- Flexible Interest Payment Options: You can choose from multiple interest payment options that suit your needs whether monthly, quarterly, half-yearly, or yearly.
- Extra Interest for Senior Citizens: Senior citizens can earn up to 0.60% p.a. extra interest.
- Wide Range of Tenures: You can choose from a wide range of tenure options ranging from 7 days to 10 years.
- Low Minimum Deposit Amount: Anyone can start investing with a minimum deposit of just ₹10,000.
- Quarterly Compounding: Your savings will benefit more from quarterly compounding.
- Loan/Overdraft Against FDs: In case of emergency fund requirement you can avail loans or overdrafts with a maximum drawing power of up to 80% against the fixed deposit value.
- Automatic Renewal: You can easily re-invest your money at the end of the maturity date with the automatic renewal option.
Steps to Invest in DCB Bank FD
A DCB Bank fixed deposit can be opened by two methods. By visiting the Bank branch or through the website or application. Here are the steps on how you can open a DCB Bank FD account:
Through The DCB Bank Branch:
- Step 1: Visit the nearest DCB Bank branch.
- Step 2: Let the bank representative know that you wish to open an FD account.
- Step 3: Fill the application form with all your details, desired investment amount, tenure, and preferred interest payout frequency.
- Step 4: Submit all the required documents like an Aadhaar card, PAN card, and address proof.
- Step 5: You can then make the initial deposit amount using cash, cheque, or electronic transfer.
- Step 6: Once the account opening is successful, you’ll receive an FD receipt as confirmation of your investment.
FD Account Opening Online Through DCB Zippi or Website:
- Step 1: Download the DCB Zippi app or visit the online banking section on the DCB Bank website.
- Step 2: If you are a new user, you will need to register for online banking services. Existing customers can log in using your credentials.
- Step 3: Go to the “Investments” or “Fixed Deposits” section within the app/website.
- Step 4: Choose the FD type you wish to invest in, and you will have to leave your phone number. After which a bank representative will call you for more details.
- Step 5: Express your wish to open an account and they will guide you through the opening process.
DCB Bank FD Premature Withdrawal
DCB Bank allows for premature withdrawal of their FDs, however, there are several factors to look out for as well as penalty charges involved, these are:
- General Penalty: If you close your FD early, you’ll earn interest at the rate applicable when you deposited it, but for the time the money remains with the bank. This interest will be subject to TDS (tax deducted at source).
- Tax Saver FD Penalty: Early closure of tax saver FDs will have additional conditions as specified by tax regulations.
- Non-Callable Deposits: These FDs cannot be withdrawn early under any circumstances.
- Additional Penalty: A penalty fee of 0.5% may be deducted from your interest depending on the deposit amount and type (regular or foreign currency).
- Minimum Interest Period: You may earn no interest at all if you close your FD before a certain period:
- Less than 14 days for deposits under ₹3 crore.
- Less than 30 days for deposits of ₹3 crore and above.
- Less than 1 year for NRE (Non-Resident External) FDs.
- Foreign Currency Penalty: A flat 0.5% penalty applies to foreign currency FDs closed before 1 year.
- Interest Rate Changes: DCB Bank has the right to revise interest rates without prior notice.
- Senior Citizen Benefit: There’s no additional benefit on interest rates for senior citizens on certain FD types (Bulk and Non-Callable Retail).
- Large Deposits: For deposits of ₹3 crore or more, bank approval is required for interest rate quotes and booking.
- NR (Non-Resident) Minimum Tenure: NR deposits require a minimum tenure of 12 months.
- NRE and FCNR Accounts: No interest will be given for deposits closed before the account completes one year.
- NRO Accounts: DCB Bank pays no interest on FD accounts closed before 14 days for deposits under ₹3 crore and 30 days for ₹3 crore and above.
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