Rates verified from official source

RBL Bank interest rates · November 2026

RBL FD rates

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What will my FD earn at RBL?

Estimated value after 1 year · before tax ₹5,35,403 6.90% p.a. · ₹35,403 interest · quarterly compounding

Plan your recurring deposit at RBL

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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.

Overview

RBL Bank (RBL) is a private sector bank, headquartered in Mumbai, established in 1943. 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
1943
Branches
~550 approx.
Monitored since
19 Sept 2026
Ownership
Private sector bank (publicly listed)
Operates in
Andhra Pradesh, Assam, Bihar, Chhattisgarh + 21 more states

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

Financial health
CRAR
15.29%
Capital adequacy
Net NPA
1.25%
Bad loans (net)
Credit rating ICRA, CRISIL
AAA

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

Rates as of 1 Oct 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 RBL 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 ₹61.40 lakh

    RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Know Your Customer’”

    What RBI found

    “The bank: did not obtain a prescribed Officially Valid Document (OVD) while opening certain credit card accounts; and had allotted multiple Customer Identification Codes to certain customers instead of a Unique Customer Identification Code (UCIC) for each customer.”

    RBI says: “The action is based on deficiencies in statutory and 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 2024-2025/1566

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

655 branches in 168 districts

Most branches: Delhi 59, Mumbai 47, Bengaluru Urban 41

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.

RBL Fixed Deposit rate changes

Changes to RBL'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 RBL's fixed deposit (FD) rates has been recorded since tracking started on 19 Sept 2026.

Credit rating

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

AAA
Headline rating
Fixed deposits · ICRA, CRISIL · Stable
Highest safety: lowest credit risk
Latest rating action: 7 Jul 2026
AgencyInstrument RatingOutlook PublishedSource
ICRA Fixed deposits AAA Stable Reaffirmed
7 Jul 2026
Exchange filing
CRISIL Fixed deposits ₹1,30,000 cr AAA Stable Assigned
22 Jun 2026
Exchange filing
CARE Basel III Tier II bonds ₹800 cr
Upgraded from AA-
AAA Stable Upgraded
14 Jul 2026
Exchange filing
ICRA Issuer rating AAA Stable Assigned
7 Jul 2026
Exchange filing
ICRA Basel III Tier II bonds ₹70 cr AAA Stable Reaffirmed
7 Jul 2026
Exchange filing
CRISIL Infrastructure / long-term bonds ₹1,000 cr AAA Stable Assigned
22 Jun 2026
Exchange filing

Note: Earlier versions of this page showed A+. CRISIL, ICRA and CARE all rated RBL Bank AAA between June and July 2026 (ICRA and CARE upgraded from AA-).

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 RBL 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.
  • RBL is a private sector bank regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at RBL, depending on the tenure.
  • RBL's FD table includes 1 special schemes; check eligibility and end dates.

Informational only. Always confirm the current rate on the official RBL 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.