Author
LoansJagat Team
Read Time
6 Min
17 Dec 2025
RBL Bank FD Interest Rates: Tenure‑Wise Returns & Benefits
Key Takeaways
- RBL Bank FD offers interest rates up to 7.70% for senior citizens.
- Flexible tenures range from 7 days to 10 years.
- A safe investment option with a premature withdrawal and overdraft facility.
RBL Bank offers competitive Fixed Deposit (FD) interest rates for different tenures, helping customers grow their savings securely. Senior citizens receive slightly higher rates as an added benefit.
For example, Priya invests ₹5 lakh in a 3-year RBL Bank FD. With the prevailing rate of 7% per annum, she earns a fixed interest every year, giving her financial stability without any market risk.
This blog will guide you through RBL Bank FD features, rates, benefits, and tips for choosing the right deposit.
RBL Bank FD Interest Rates 2025
Fixed deposits remain a reliable option for secure savings, and RBL Bank FD offers competitive rates across different tenures. The bank provides higher returns for senior citizens and attractive options for both domestic and NRO customers.
Click here to know more.
RBL Bank FD provides flexible tenures and competitive returns, making it a strong choice for both regular and senior citizen investors. With the highest interest rate going up to 7.70%, RBL Bank FD remains a dependable option for safe and steady financial growth in 2025.
Bonus Tip: Choose a longer tenure RBL Bank FD if you want higher returns, but split your investment into multiple FDs. This way, you can enjoy liquidity and still earn better interest.
Types of RBL Bank FD Schemes
Fixed deposits serve different needs, and RBL Bank FD offers a variety of schemes to suit various goals and customer profiles.
- Raksha Kavach Fixed Deposits
This scheme provides attractive interest along with overdraft flexibility. You can access funds if needed without breaking the FD.
- Digital Fixed Deposits
You can open this RBL Bank FD fully online, even without a savings account. It is quick, convenient, and offers competitive interest.
- ACE Fixed Deposits
This non-withdrawable FD requires you to stay invested for the full term, but it rewards you with higher returns.
- Smart Recurring Deposits
Though not a traditional FD, this plan allows you to deposit small amounts regularly and earn FD-like returns.
- Money Max Deposits
This FD links with your savings or current account, helping you earn more interest while keeping liquidity intact.
- Flexi Sure Fixed Deposits
This option combines the benefits of an FD and a savings account, giving you both flexibility and higher returns.
- Regular Fixed Deposits
A classic FD plan where you invest for a chosen tenure and earn guaranteed interest. It is ideal for those seeking stable and safe growth.
- Tax Saving Fixed Deposits
With a lock-in of five years, this FD helps you save tax under Section 80C while also ensuring assured returns.
- Senior Citizen Fixed Deposits (Wealth Secure)
Specially designed for senior citizens, this RBL Bank FD offers additional interest, making it suitable for retirement planning.
- Super Senior Citizen Fixed Deposits (Akshay Nidhi)
Aimed at individuals aged 80 and above, this FD provides enhanced interest rates and simple procedures for ease of use.
RBL Bank FD schemes are designed to meet different financial needs whether you want tax benefits, higher returns, or flexible access to funds. By choosing the right scheme, you can make your savings work effectively while enjoying the safety of guaranteed returns.
Features and Benefits of RBL Bank FD
RBL Bank FD gives customers a safe and flexible way to save while earning steady returns. It suits both short-term and long-term goals.
- Simple investment scheme with attractive returns.
- Convenient booking through Internet and Mobile Banking.
- Option to receive interest monthly, quarterly, or at maturity.
- Wide deposit range from 7 days to 10 years.
- Nomination facility available for added security.
- Premature or partial withdrawal allowed.
- Overdraft facility available against FD.
- Easy online booking for quick access.
RBL Bank FD combines safety, flexibility, and steady growth. With multiple features and easy digital access, it is a reliable choice for building your savings.
Comparison of RBL Bank Rates with Other Banks
Fixed deposits remain a safe way to save and grow money. Different banks and finance companies in India offer varied FD interest rates, so it is important to compare before investing. The following table shows how RBL Bank FD rates stand against other major banks:
From this comparison, RBL FD offers attractive returns, especially for senior citizens, making it a safe and rewarding investment option.
Eligibility Criteria and Required Documents for RBL Bank FD Interest Rates
Opening an RBL Bank FD is straightforward if you meet the basic requirements. RBL Bank has made the process accessible to a wide range of customers with minimal restrictions.
Eligibility Criteria:
You must be at least 18 years old to open an RBL Bank FD. The bank welcomes both Indian residents and Non-Resident Indians (NRIs). There's no minimum income requirement, making it easy for anyone to start investing.
Required Documents:
You'll need to provide identity proof such as a PAN card, Aadhaar card, passport, or driving licence. For address verification, submit utility bills, bank statements, or a rental agreement. If you're a salaried individual, bring salary slips, Form 16, or income tax returns as income proof.
With these simple documents, you can quickly open your RBL Bank FD and start earning competitive interest rates on your savings.
Tax Implications on RBL Bank FD
Understanding the tax treatment of your RBL Bank FD helps you plan your investments better. The bank follows standard tax regulations that apply to all fixed deposit schemes in India.
The interest you earn on your RBL Bank FD is fully taxable. The bank adds this interest income to your total taxable income and taxes it according to your income tax slab. RBL Bank deducts Tax Deducted at Source (TDS) on the interest if your earnings exceed INR 40,000 in a financial year. Senior citizens enjoy a higher exemption limit of INR 50,000 before TDS applies.
When investing in an RBL Bank FD, factor in these tax implications to calculate your actual post-tax returns accurately.
RBL Bank FD Premature Withdrawal and Closure Rules
RBL Bank offers flexibility if you need to access your funds before maturity, though certain conditions apply. Understanding these rules helps you make informed decisions about your RBL Bank FD.
RBL Bank allows you to close your Fixed Deposit account before the maturity date, but charges a penalty of 1% on the interest earned. Senior citizens receive an exemption from this penalty charge. However, if you've invested in tax-saving Fixed Deposits with RBL Bank FD, you cannot withdraw your funds prematurely. It's important to remember that premature closure may result in a lower interest rate or penalty, which reduces your overall returns on the investment.
Before opening an RBL Bank FD, consider your liquidity needs carefully to avoid premature withdrawal charges and maximise your earnings.
How to Invest in RBL Bank FD?
Investing in an RBL Bank FD is a simple and secure way to grow your savings. You can easily open a fixed deposit online by following a few quick steps.
Step 1: Visit the official RBL Bank FD page on the bank’s website.
Step 2: Provide the required documents such as ID proof, address proof, and photographs.
Step 3: Click on the “Open FD Now” option to start the application.
Step 4: Follow the on-screen instructions and enter details like deposit amount, tenure, and interest payout preference.
Step 5: Review the information carefully and complete the payment.
Step 6: Receive confirmation and keep the FD receipt for future reference.
Opening an RBL Bank FD is quick and convenient, especially through online banking. With just a few steps, you can secure your money and enjoy guaranteed returns.
Conclusion
RBL Bank FD interest rates offer a balance of safety and attractive returns, with higher benefits for senior citizens. With flexible tenures, convenient booking options, and the highest rate going up to 7.70%, RBL Bank FD stands out as a dependable choice for both short-term and long-term savings in 2025.
FAQ’s
1. What is the highest interest rate on RBL Bank FD in 2025?
The highest interest rate is 7.70% for senior citizens and 7.20% for others.
2. What is the minimum deposit amount for RBL Bank FD?
You can start an RBL Bank FD with a minimum deposit of ₹1,000.
3. What is the maximum tenure available?
The maximum tenure for RBL Bank FD is 10 years.
4. Can I withdraw my FD before maturity?
Yes, RBL Bank allows premature or partial withdrawal, subject to terms and conditions.
5. Do senior citizens get extra benefits on RBL Bank FD?
Yes, senior citizens get an additional interest rate of up to 0.50% over regular rates.
Other Related Pages | |||
About the Author
LoansJagat Team
‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
Quick Apply Loan
Subscribe Now
Related Blog Post
