DCB Bank FD interest rates 2025: What’s a better Diwali gift than guaranteed money growth?
Just before Dhanteras, DCB Bank, a 104-year-old private sector bank, has announced new interest rates on its fixed deposits and savings accounts — and the numbers are impressive.
If you’ve been looking for a safe, high-return investment option, this update could help you earn up to 7.75% interest without taking any market risk. Let’s see what’s changed and how much you can really make.
Fixed Deposits: What’s New?
Starting October 7, 2025, DCB Bank revised its FD rates for deposits below ₹3 crore. The rates now start at 3.75% and go up to 7.20% for regular customers.
But here’s the best part — senior citizens get an extra 0.25%–0.50%, and super-senior citizens (70 years and above) enjoy an additional 0.05%. That means a potential 7.75% annual return, which is among the best in the private banking space right now.
Highest Returns on 37-Month Tenure
If you prefer a medium-term deposit, the 37- to 38-month FD is the star performer.
- General customers: 7.20%
- Senior citizens (60–70 years): 7.70%
- Super seniors (70 +): 7.75%
This slab offers the most attractive returns in the current update. Other popular tenures include:
- 27 – 28 months: 7.10%
- 60 – 61 months: 7.10%
- 15 – 16 months: 7.00%
For nearly all deposit periods between 15 months and 10 years, interest rates stay around 7% or higher — giving investors several flexible options.
A Quick Look at the New FD Rates
| Tenure | General Citizens | Senior Citizens (60–70 yrs) | Super Seniors (70 + yrs) |
|---|---|---|---|
| 7 – 45 days | 3.75 % | 4.00 % | 4.00 % |
| 46 – 90 days | 4.50 % | 4.75 % | 4.75 % |
| 91 days – 6 months | 4.75 % | 5.00 % | 5.00 % |
| 6 – 10 months | 6.00 % | 6.25 % | 6.25 % |
| 10 – 12 months | 6.50 % | 6.75 % | 6.75 % |
| 12 – 15 months | 6.90 % | 7.15 % | 7.15 % |
| 15 – 16 months | 7.00 % | 7.50 % | 7.50 % |
| 27 – 28 months | 7.10 % | 7.60 % | 7.60 % |
| 37 – 38 months | 7.20 % | 7.70 % | 7.75 % |
| Above 60 months – 61 months | 7.10 % | 7.60 % | 7.60 % |
(Rates effective from 7 Oct 2025; applicable on deposits below ₹3 crore)
Savings Account Rates Also Revised
DCB Bank didn’t stop at FDs. It also revised savings account interest rates, giving customers better returns on idle balances.
Here’s the new breakdown:
- Up to ₹1 lakh: 1.50% p.a.
- ₹1 lakh – ₹5 lakh: 2.25% p.a.
- ₹5 lakh – ₹10 lakh: 3.75% p.a.
- ₹10 lakh – ₹25 lakh: 5.75% p.a.
- ₹25 lakh – ₹50 lakh: 7.00% p.a.
- ₹50 lakh – ₹10 crore: 7.10% p.a.
- ₹10 crore – ₹300 crore: 6.00% p.a.
- Above ₹300 crore: 5.50% p.a.
So if you maintain a higher balance, your everyday savings can now grow faster too.
Think About It This Way…
If you invest ₹5 lakh for 37 months at 7.75%, you’ll earn nearly ₹1 lakh in interest — without worrying about stock-market swings.
That’s what makes FDs still attractive for risk-averse investors. And when a reliable private bank like DCB offers above-market returns, it’s a golden opportunity, especially during a festive period when financial planning is top of mind.
How to Invest
You can book your FD through:
- The DCB Bank mobile app or website
- Any DCB Bank branch near you
- Net banking, if you already have an account
Before investing, always check the latest rate chart on the bank’s website, as rates can change anytime.
Frequently Asked Questions
1. What is the highest FD rate at DCB Bank in 2025?
The highest interest rate is 7.75% for super-senior citizens (age 70 and above) on a 37-month FD. Regular customers earn 7.20% for the same tenure.
2. What is the minimum deposit amount to open a DCB Bank FD?
You can start a fixed deposit with as little as ₹10,000, making it easy for both small and large investors.
3. Are DCB Bank FDs safe?
Yes. All DCB Bank deposits are covered under DICGC insurance for up to ₹5 lakh per depositor, ensuring your money is protected.