Rates verified from official source

DCB Bank
deposit rates

Top FD rate
7.50%
24 months to less than 25 months
Senior citizen FD
8.00%
24 months to less than 25 months
1-year FD rank
#3
of 20 private banks · 6.90%

Overview

www.dcbbank.com

DCB Bank (DCB) is a private sector bank, headquartered in Mumbai, established in 1930. Its headline 1-year FD rate of 6.90% is +0.46% above the private sector average of 6.44%, ranking #3 of 20 private banks.

Headquarters
Mumbai
Established
1930
Branches
~450 approx.
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 CRISIL
AA-
FD / senior bond

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

1-year FD rate
6.90%
+0.46% above the private sector average of 6.44%
Peer rank
#3
of 20 private banks
Recent movement
unchanged

Rates as of 20 Sept 2026, verified from official source. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.

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Estimate returns at DCB (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 7 days to 45 days: 3.75% 46 days to 90 days: 4.50% 91 days to less than 6 months: 4.75% 6 months to less than 10 months: 6.00% 10 months to less than 12 months: 6.50% 12 months to less than 15 months: 6.90% 15 months to less than 16 months: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 16 months to less than 24 months: 6.90% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 24 months to less than 25 months: 7.50% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 25 months to less than 27 months: 6.90% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 27 months to less than 34 months: 7.00% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 34 months to Less than 35 months: 7.50% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 35 months to less than 37 months: 7.00% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 37 months to 38 months: 7.10% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) More than 38 months to less than 60 months: 7.00% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 60 months to 61 months: 7.50% · Post Office TD: 7.10% (above the govt-guaranteed benchmark) More than 61 months to 120 months: 7.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m10m12m450d480d720d750d810d1020d1050d1110d1140d1800d1830d General Post Office TD

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

3%4%5%6%7%8% 7 days to 45 days: 4.00% (General: 3.75%) 46 days to 90 days: 4.75% (General: 4.50%) 91 days to less than 6 months: 5.00% (General: 4.75%) 6 months to less than 10 months: 6.25% (General: 6.00%) 10 months to less than 12 months: 6.75% (General: 6.50%) 12 months to less than 15 months: 7.15% (General: 6.90%) 15 months to less than 16 months: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 16 months to less than 24 months: 7.15% (General: 6.90%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 24 months to less than 25 months: 8.00% (General: 7.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 25 months to less than 27 months: 7.15% (General: 6.90%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 27 months to less than 34 months: 7.25% (General: 7.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 34 months to Less than 35 months: 8.00% (General: 7.50%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 35 months to less than 37 months: 7.25% (General: 7.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 37 months to 38 months: 7.60% (General: 7.10%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) More than 38 months to less than 60 months: 7.25% (General: 7.00%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 60 months to 61 months: 8.00% (General: 7.50%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) More than 61 months to 120 months: 7.25% (General: 7.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m10m12m450d480d720d750d810d1020d1050d1110d1140d1800d1830d Senior General Post Office TD

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

No additional super-senior premium — showing Senior rates.

4%5%6%7%8% 7 days to 45 days: 4.00% (Senior: 4.00%) 46 days to 90 days: 4.75% (Senior: 4.75%) 91 days to less than 6 months: 5.00% (Senior: 5.00%) 6 months to less than 10 months: 6.25% (Senior: 6.25%) 10 months to less than 12 months: 6.75% (Senior: 6.75%) 12 months to less than 15 months: 7.15% (Senior: 7.15%) 15 months to less than 16 months: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 16 months to less than 24 months: 7.15% (Senior: 7.15%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 24 months to less than 25 months: 8.00% (Senior: 8.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 25 months to less than 27 months: 7.15% (Senior: 7.15%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 27 months to less than 34 months: 7.25% (Senior: 7.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 34 months to Less than 35 months: 8.00% (Senior: 8.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 35 months to less than 37 months: 7.25% (Senior: 7.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 37 months to 38 months: 7.60% (Senior: 7.60%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) More than 38 months to less than 60 months: 7.25% (Senior: 7.25%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 60 months to 61 months: 8.00% (Senior: 8.00%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) More than 61 months to 120 months: 7.25% (Senior: 7.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m10m12m450d480d720d750d810d1020d1050d1110d1140d1800d1830d Senior Senior Post Office TD

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

TenureGeneralSeniorTrendApplies to
7 days to 45 days
 3.75% 4.00% Below ₹3 crore (retail)
46 days to 90 days
 4.50% 4.75% Below ₹3 crore (retail)
91 days to less than 6 months
 4.75% 5.00% Below ₹3 crore (retail)
6 months to less than 10 months
 6.00% 6.25% Below ₹3 crore (retail)
10 months to less than 12 months
 6.50% 6.75% Below ₹3 crore (retail)
12 months to less than 15 months
 6.90% 7.15% Below ₹3 crore (retail)
15 months to less than 16 months
 7.10% 7.60% Below ₹3 crore (retail)
16 months to less than 24 months
 6.90% 7.15% Below ₹3 crore (retail)
24 months to less than 25 months
 7.50% 8.00% Below ₹3 crore (retail)
25 months to less than 27 months
 6.90% 7.15% Below ₹3 crore (retail)
27 months to less than 34 months
 7.00% 7.25% Below ₹3 crore (retail)
34 months to Less than 35 months
 7.50% 8.00% Below ₹3 crore (retail)
35 months to less than 37 months
 7.00% 7.25% Below ₹3 crore (retail)
37 months to 38 months
 7.10% 7.60% Below ₹3 crore (retail)
More than 38 months to less than 60 months
 7.00% 7.25% Below ₹3 crore (retail)
60 months to 61 months
 7.50% 8.00% Below ₹3 crore (retail)
More than 61 months to 120 months
 7.00% 7.25% Below ₹3 crore (retail)
Source ↗

Recurring Deposit rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
15 months to less than 16 months
 7.10% 7.60% Any amount
16 months to less than 24 months
 6.90% 7.15% Any amount
24 months to less than 25 months
 7.50% 8.00% Any amount
25 months to less than 27 months
 6.90% 7.15% Any amount
27 months to less than 34 months
 7.00% 7.25% Any amount
34 months to Less than 35 months
 7.50% 8.00% Any amount
35 months to less than 37 months
 7.00% 7.25% Any amount
37 months to 38 months
 7.10% 7.60% Any amount
More than 38 months to less than 60 months
 7.00% 7.25% Any amount
60 months to 61 months
 7.50% 8.00% Any amount
More than 61 months to 120 months
 7.00% 7.25% Any amount
Source ↗

Good to know

Deposits with DCB Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.

official Effective 20 Sept 2026 · View source

Informational only — always confirm the current rate on the official DCB 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.