Key Takeaways

Yes Bank RD interest rates range from 6% to 7% per annum for general citizens. The Yes Bank RD interest rates for senior citizens range from 6.50% to 7.75% per annum.
Indusind Bank RD interest rates range from 6.25% to 7.40% per annum. RBL Bank RD interest rates can go up to 6.50% per annum.
Yes Bank RD allows disciplined saving from ₹1,000 monthly and has flexible tenures up to 10 years.

Bonus Tip: Yes Bank RD deposits are insured up to ₹5,00,000 per depositor by the Deposit Insurance and Credit Guarantee Corporation. It covers both principal and interest.

Parul, the quirky boutique owner from Delhi’s Lajpat Nagar, always juggled lehengas and ledgers. With the wedding season booming, she still had one eye on retirement savings. To start saving up, she googled Yes Bank RD interest rates 2025. Given the discipline and guaranteed returns, the recurring deposit (RD) became her favourite savings.

Imagine planting a cash “tree" in your backyard garden. Every month you water it (deposit a certain sum of money), and over time it grows interest (fruit). That’s how RD works: tiny drops make a lake.

Parul said, “I deposited ₹2,000 monthly at a ~6% rate. Over time, my RD grew into a decent, budding nest egg. The Yes Bank RD interest rate boosted my savings.”

Yes Bank RD interest rates 2025 by Tenure

Parul compared rates faster than she tried new lipsticks. Here’s the official snapshot of Yes Bank RD interest rates 2025 for resident Indians:

Period	Interest Rate (per annum)	Senior Citizen Rates (per annum)
6 Months	6.00%	6.50%
9 Months	6.25%	6.75%
12 Months	6.65%	7.15%
15 Months	6.75%	7.25%
18 Months	6.75%	7.25%
21 Months	7.00%	7.50%
24 Months	7.00%	7.50%
27 Months	7.00%	7.50%
30 Months	7.00%	7.50%
33 Months	7.00%	7.50%
36 Months to < 60 Months	7.00%	7.75%
60 Months	6.75%	7.50%
60 Months 1 day and above	6.75%	7.50%

If Parul decides to retire early, she gets extra interest perks as a senior citizen (above 60). Yes Bank RD offers competitive slabs at longer tenures.

Key Highlights of Yes Bank RD Interest Rates (Features and Benefits)

Parul calls them “RD superpowers.” Here’s what makes Yes Bank RD interest rates enticing:

Feature	Why It Matters
Minimum deposit as low as ₹1,000	Budget-friendly for people from all professions
Flexible tenure from 6 months to 10 years	Saves for short and long-term goals both
Extra interest for senior citizens	Helps retirement planning
Quarterly compounding	Helps interest grow faster
Flexible monthly installments	No monthly commitment of installments in Flexigain RD

Yes Bank RD is not boring fixed deposit stuff, it’s structured like Parul’s fashion collections: disciplined, incremental, and future‑ready.

Types of Yes Bank Recurring Deposit Accounts

Parul joked, “Do RDs come in cotton and silk too?”

Account Type	Good for
Regular RD	Every day, disciplined saving
Senior Citizen RD	Retiree with extra interest
Flexigain RD	Flexible monthly deposit amounts

Parul picks Senior Citizen RD when she turns 60, to enjoy extra benefits.

RD Tenure and Minimum Deposit Rules

Parul checked how much she must start with:

Tenure Range	Minimum Monthly Instalment
6 months - 10 years	₹1,000

For a boutique owner like Parul, ₹1,000 monthly RD is doable and disciplined.

Conclusion

Parul’s journey to retirement plans shows that Yes Bank RD interest rates 2025 are fun once you understand them. She compared Indusind Bank RD interest rates and RBL Bank RD interest rates before deciding on Yes Bank’s RD.

Yes Bank RD offered competitive slabs for long tenures and senior perks. Whether you save for a boutique expansion or a ghar ki chhutti plan, RD is a disciplined, fixed return partner in crime. Keep investing, use the Yes Bank RD calculator, and let your savings grow!

FAQs Related to Yes Bank RD Interest Rates

Will premature closure reduce my RD interest?
Yes, banks often reduce interest if you close an RD before maturity. Yes Bank applies a penalty on premature RD withdrawals.

Can I open an RD online with Yes Bank?
Yes Bank allows RD opening online via net banking or a branch, if the savings account is active.

Are RD returns guaranteed vs stock SIP?
RD returns are fixed and safer, unlike markets (which fluctuate). So even if fashion trends crash, your RD corpus won’t.

Does the senior citizen's extra interest actually apply?
Yes, senior citizens get up to ~0.75% extra on many tenures for Yes Bank RD.

What is the Yes Bank RD interest rates calculator?
It’s a tool where you enter the monthly deposit and tenure to estimate the maturity value with interest. You can use the Yes Bank RD calculator online for planning.

Are recurring deposits a good tool for disciplined savings?
Many Reddit users note that RDs help build strong savings habits and deliver reliable, predictable returns for regular savers without needing a big lump sum upfront.

Is a Recurring Deposit a sensible choice for a 2-year investment?
Many Reddit users say that for a 2-year time frame, RDs provide predictable, fixed returns and are a solid low-risk option compared to short-term SIPs or market-linked instruments.

Can I break my Yes Bank RD and still get interest?
Yes, you can close (“break”) a Yes Bank RD before maturity, and you’ll receive interest for the period your deposit stayed, though slightly reduced due to penalty charges.

Is it safe to keep deposits like RD or savings in Yes Bank, given past troubles?
Yes, deposits in Yes Bank are covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5,00,000 per depositor, meaning your RD and other deposits are protected even in adverse scenarios.