Rates verified from official source

Dhanlaxmi Bank interest rates · November 2026

Top FD rate
7.25%
1111 days · 1111-day Special
Senior citizen FD
7.75%
1111 days · 1111-day Special
Top RD rate
6.60%
Above 5 years upto & inclusive of 10 years
Savings rate
6.50%
Balance above ₹5 crore to ₹100 crore
Top NRE FD rate
6.60%
Above 5 years upto & inclusive of 10 years
Top FCNR(B) rate
5.20%
USD · 1 year & above but less than 2 years

Dhanlaxmi FD rates

1 year6.25%Senior 6.75%3 years6.50%Senior 7.00%5 years6.60%Senior 7.10%
All tenures, calculator and comparison →

What will my FD earn at Dhanlaxmi?

Estimated value after 1 year · before tax ₹5,31,990 6.25% p.a. · ₹31,990 interest · quarterly compounding
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Plan your recurring deposit at Dhanlaxmi

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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

Dhanlaxmi Bank (Dhanlaxmi) is a private sector bank, headquartered in Thrissur, established in 1927. Its headline 1-year FD rate of 6.25% is 0.23% below the private sector average of 6.48%, ranking #739 of 1033 banks on RateScan.in.

Headquarters
Thrissur
Established
1927
Branches
~250 approx.
Monitored since
20 Sept 2026
Ownership
Private sector bank (publicly listed)
Operates in
Andhra Pradesh, Delhi, Goa, Gujarat + 12 more states

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

Financial health
CRAR
15.42%
Capital adequacy
Net NPA
1.26%
Bad loans (net)
Credit rating ICRA
BBB-
Rating details ↓

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

Rates as of 1 Jul 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 Dhanlaxmi 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 ₹120.47 lakh

    RBI's reason: “for non-compliance with certain directions issued by RBI on 'Loans and Advances – Statutory and Other Restrictions', ' Reserve Bank of lndia (Know Your Customer (KYC)) Directions, 2016 ' and ' Reserve Bank of lndia (Interest Rate on Deposits) Directions, 2016 '”

    What RBI found

    “Non-compliance with the aforesaid directions by the bank, to the extent it (1) sanctioned loans to certain borrowers against pledge of gold ornaments and jewellery for non-agricultural purposes exceeding 75 per cent of the value of gold ornaments and jewellery, (ii) offered interest rate applicable to normal term deposits on certain senior citizen term deposits instead of higher rate of interest applicable to such deposits, (iii) did not obtain PAN or Form 60 for certain term deposit accounts (exceeding fifty thousand rupees), and (iv) allotted multiple Customer Identification Code to certain individual customers instead of a Unique Customer Identification Code (UCIC) to each customer.”

    RBI says: “This action is based on the deficiencies in regulatory 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 2023-2024/1670

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

289 branches in 78 districts

Most branches: Thrissur 35, Ernakulam 22, Palakkad 21

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.

Dhanlaxmi Fixed Deposit rate changes

Changes to Dhanlaxmi'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 Dhanlaxmi's fixed deposit (FD) rates has been recorded since tracking started on 20 Sept 2026.

Credit rating

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

BBB-
Headline rating
Basel III Tier II bonds · ICRA · Stable
Moderate safety: moderate credit risk
Latest rating action: 19 Aug 2026
AgencyInstrument RatingOutlook PublishedSource
ICRA Basel III Tier II bonds BBB- Stable Reaffirmed
19 Aug 2026
 Exchange filing

Note: Earlier versions of this page showed BBB+ (CRISIL). The rating we matched to a published filing is ICRA's BBB- (Stable) on Basel III Tier II bonds.

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 Dhanlaxmi 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.
  • Dhanlaxmi is a private sector bank regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Dhanlaxmi, depending on the tenure.
  • Dhanlaxmi's FD table includes 3 special schemes; check eligibility and end dates.
official Effective 1 Jul 2026 · Ingested 25 Oct 2026 · Verified 13 Nov 2026 · View source

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