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 #16 of 20 private banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 2 Sept 2026, verified from official source. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Dhanlaxmi (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
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.
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.
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.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 Days to 14 Days |
4.00% | 4.00% | Below ₹3 crore (retail) | |
15 Days to 45 Days |
4.00% | 4.00% | Below ₹3 crore (retail) | |
46 Days to 60 Days |
4.50% | 4.50% | Below ₹3 crore (retail) | |
61 Days to 90 Days |
4.50% | 4.50% | Below ₹3 crore (retail) | |
91 Days to 179 Days |
5.00% | 5.00% | Below ₹3 crore (retail) | |
180 Days to 291 Days |
5.50% | 5.50% | Below ₹3 crore (retail) | |
292 Days (Use 9 months and 18 days while opening FD in online mode) 292-day Special |
6.50% | 6.50% | Below ₹3 crore (retail) | |
293 Days to less than 1 Year |
5.50% | 5.50% | Below ₹3 crore (retail) | |
1 Year and above up to & inclusive of 2 years |
6.25% | 6.75% | Below ₹3 crore (retail) | |
370 Days (Use 12 months and 5 days while opening FD in online mode) 370-day Special |
7.00% | 7.50% | Below ₹3 crore (retail) | |
666 Days (Use 21 months and 26 days while opening FD in online mode) 666-day Special |
7.10% | 7.60% | Below ₹3 crore (retail) | |
Above 2 years upto & inclusive of 3 years |
6.50% | 7.00% | Below ₹3 crore (retail) | |
Above 3 years upto & inclusive of 5 years |
6.50% | 7.00% | Below ₹3 crore (retail) | |
1111 Days (Use 36 months and 15 days while opening FD in online mode) 1111-day Special |
7.25% | 7.75% | Below ₹3 crore (retail) | |
Above 5 years upto & inclusive of 10 years |
6.60% | 7.10% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year and above up to & inclusive of 2 years |
6.25% | 6.75% | Any amount | |
Above 2 years upto & inclusive of 3 years |
6.50% | 7.00% | Any amount | |
Above 3 years upto & inclusive of 5 years |
6.50% | 7.00% | Any amount | |
Above 5 years upto & inclusive of 10 years |
6.60% | 7.10% | Any amount |
Deposits with Dhanlaxmi 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.
Informational only — always confirm the current rate on the official Dhanlaxmi 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.
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