Rates verified from official source

DCB Bank interest rates · November 2026

Top FD rate
7.75%
17 months to 20 months
Senior citizen FD
8.25%
17 months to 20 months
Top RD rate
7.75%
17 months to 20 months
Savings rate
6.85%
Balance above ₹25 lakh to ₹50 lakh
Top NRE FD rate
7.75%
17 months to 20 months
Top FCNR(B) rate
5.20%
AUD · 2 years and above but less than 3 years

DCB FD rates

1 year6.90%Senior 7.15%3 years7.00%Senior 7.25%5 years7.50%Senior 8.00%
All tenures, calculator and comparison →

What will my FD earn at DCB?

Estimated value after 1 year · before tax ₹5,35,403 6.90% p.a. · ₹35,403 interest · quarterly compounding
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Plan your recurring deposit at DCB

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

DCB Bank (DCB) is a private sector bank, headquartered in Mumbai, established in 1930. Its headline 1-year FD rate of 6.90% is 0.45% above the private sector average of 6.45%, ranking #424 of 1033 banks on RateScan.in.

Headquarters
Mumbai
Established
1930
Branches
~450 approx.
Monitored since
20 Sept 2026
Ownership
Private sector bank (publicly listed)
Operates in
Andhra Pradesh, Bihar, Chhattisgarh, Delhi + 17 more states

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
15.61%
Capital adequacy
Net NPA
0.94%
Bad loans (net)
Credit rating CARE, CRISIL
AA-
Rating details ↓

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

Rates as of 6 Mar 2026, verified from official source. Scheduled private sector bank: deposits insured by DICGC up to ₹5,00,000.

RBI record

Every RBI press release since 1 Jan 2024 that names DCB Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

  1. RBI fined the bank ₹29.60 lakh

    RBI's reason: “for non-compliance with certain directions issued by RBI on loans extended against pledge of gold ornaments and jewellery for non-agricultural end uses”

    What RBI found

    “The bank failed to maintain the prescribed loan-to-value (LTV) ratio in certain non-agricultural gold loan accounts during the tenure of such loans.”

    RBI says: “The action is based on deficiencies in statutory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”

    RBI press release 2025-2026/2115

  2. RBI fined the bank ₹63,60,000

    RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Interest Rate on Advances’”

    What RBI found

    “The bank (i) failed to reset the interest rates at the prescribed periodicity in certain MCLR linked floating rate advances and (ii) failed to benchmark the interest rate of certain floating rate retail loans and floating rate loans to MSMEs to an external benchmark lending rate.”

    RBI says: “The action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transactions or agreement entered into by the bank with its customers.”

    RBI press release 2023-2024/2070

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

479 branches in 252 districts

Most branches: Mumbai 27, Delhi 22, Thane 12

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.

DCB Fixed Deposit rate changes

Changes to DCB's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 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 DCB's fixed deposit (FD) rates has been recorded since tracking started on 20 Sept 2026.

Credit rating

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

AA-
Headline rating
Basel III Tier II bonds · CARE, CRISIL · Stable
High safety: very low credit risk
Latest rating action: 7 Jul 2026
AgencyInstrument RatingOutlook PublishedSource
CARE Basel III Tier II bonds ₹400 cr AA- Stable Reaffirmed
7 Jul 2026
 Exchange filing
CRISIL Basel III Tier II bonds ₹700 cr AA- Stable Reaffirmed
21 Jan 2026
 Exchange filing
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 DCB Bank 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.
  • DCB is a private sector bank regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at DCB, depending on the tenure.
official Effective 6 Mar 2026 · Ingested 25 Oct 2026 · Verified 13 Nov 2026 · View source

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