DBS Interest Rates: FD 6.50%, Savings 5.00%

DBS FD rates

1 year6.25%Senior 6.75%3 years6.50%Senior 7.00%5 years6.25%Senior 6.75%

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What will my FD earn at DBS?

Deposit amount (₹)

Term

Customer

Estimated value after 1 year · before tax ₹5,31,990 6.25% p.a. · ₹31,990 interest · quarterly compounding

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Overview

DBS Bank India (DBS) is a foreign bank operating in India, headquartered in Mumbai, established in 2019. Its headline 1-year FD rate of 6.25% is 0.66% above the foreign bank average of 5.59%, ranking #739 of 1033 banks on RateScan.in.

Headquarters

Mumbai

Established

2019

Monitored since

19 Sept 2026

Ownership

Indian subsidiary (DBS Bank India Ltd, incorporated 2019) of DBS Bank Ltd, Singapore

Operates in

Andhra Pradesh, Chhattisgarh, Chandigarh, Delhi + 15 more states

Financial health

CRAR

15.81%

Capital adequacy

Net NPA

0.30%

Bad loans (net)

Credit rating CRISIL

AAA

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 30 Sept 2026, verified from official source. Scheduled foreign bank (RBI-licensed, operating in India): Indian operations' deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names DBS Bank India. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

541 branches in 123 districts

Most branches: Coimbatore 24, Bengaluru Urban 23, Chennai 23

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

DBS rates

Every rate, tenure by tenure, and what your money grows to.

Fixed Deposit6.50%Senior citizens 7.00% · 501 days to 540 daysSee rates →Savings Account5.00%See rates →NRE Fixed Deposit6.50%501 days to 540 daysSee rates →FCNR(B) Deposit3.75%1 year to less than 2 years · USDSee rates →

Compare DBS FD rates with banks near you →

DBS Fixed Deposit rate changes

Changes to DBS's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 19 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to DBS's fixed deposit (FD) rates has been recorded since tracking started on 19 Sept 2026.

Credit rating

What independent credit rating agencies say about DBS Bank India. Every rating links to the document it comes from, so you can check it yourself.

AAA

Headline rating

Issuer rating · CRISIL · Stable

Highest safety: lowest credit risk

Latest rating action: 28 Jan 2026

Agency	Instrument	Rating	Outlook	Published	Source
CRISIL	Issuer rating Corporate credit rating	AAA	Stable	Reaffirmed 28 Jan 2026	Agency rationale
CRISIL	Certificates of deposit (short-term) ₹8,000 cr	A1+	–	Reaffirmed 28 Jan 2026	Agency rationale

Note: CRISIL's rating reflects the support DBS Bank India receives from its Singapore parent. We found no rating for retail fixed deposits.

How to read these ratings

Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

Deposits with DBS Bank India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
DBS is a foreign bank operating in India, regulated by the RBI.
Senior citizens (60+) earn up to 0.50% p.a. more than general customers at DBS, depending on the tenure.

Informational only. Always confirm the current rate on the official DBS website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.

DBS Bank India interest rates · November 2026