IFSCIndex
Back to Main Fixed Deposit Calculator
RBL Bank FD Calculator logo

RBL Bank FD Calculator

RBI / DICGC Insured up to ₹5 Lakh

RBL Bank offers retail term deposits across a wide tenure range, often at rates near the top of the private bank market. Enter your deposit amount, rate and tenure below.

Principal

₹1,00,000

Interest Earned

₹41,478

Maturity Amount

₹1,41,478

Adjust Parameters

Quarterly Compounding
💡

Bank Rate Notice: Interest rates vary by bank, branch, and tenure. Enter the specific rate offered by your bank to calculate your exact returns.

₹
₹5,000₹1,00,00,000
%
1%15%
Time Period
1 Yr10 Yrs

Maturity Date: 03 Sept 2031

Interest Breakdown

Maturity

₹1,41,478

Principal
Interest

Cumulative Growth Over Time

Timeline SnapshotYear 1
Principal Amount₹1,00,000
Interest Earned+₹7,186
Total Value₹1,07,186

💡 Hover or tap any bar to explore other years

YEARS
Principal Amount
Interest Earned

Year-by-Year Interest Accrual

PeriodPrincipalInterest EarnedMaturity Value
1 Year₹1,00,000₹7,186₹1,07,186
2 Years₹1,00,000₹14,888₹1,14,888
3 Years₹1,00,000₹23,144₹1,23,144
4 Years₹1,00,000₹31,993₹1,31,993
5 Years₹1,00,000₹41,478₹1,41,478

RBL Bank Fixed Deposits Explained

RBL Bank offers retail term deposits from 7 days to 10 years through its app, net banking or a branch. It is considerably older than its brand suggests: founded in 1943 in Kolhapur as Ratnakar Bank, a small regional lender, it was recapitalised and repositioned from 2010 and renamed RBL Bank in 2014. Its scale sits well below the top private lenders, and its deposit pricing has reflected that gap.

RBL Bank FD Schemes You Can Open

The retail deposit range separates by interest treatment and eligibility:

  • •Cumulative deposit — Interest compounds quarterly and is settled with the principal at maturity — what the calculator above models.
  • •Non-cumulative deposit — Interest is credited monthly or quarterly rather than reinvested.
  • •Tax-saving deposit (5-year) — Qualifies under Section 80C, locked for the full five years with no premature closure.
  • •Senior citizen variant — Carries the rate increment RBL extends to resident depositors aged 60 and above.

RBL Bank FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How RBL Bank computes interest by tenure band. Rates are deliberately not shown — they change at every revision, and a stale figure is worse than none. Take the current one from the bank's rate card.
Tenure bandInterest basisWhat to know
7 – 45 daysSimple interestThe shortest accepted term, used for parking rather than earning.
46 – 179 daysSimple interestPaid on the days the money actually stayed.
180 days – 1 yearQuarterly compoundingThe threshold at which compounding applies.
1 – 2 yearsQuarterly compoundingThe band where RBL's pricing gap against the top private banks has usually been widest.
2 – 5 yearsQuarterly compoundingAn early exit is priced on the span actually run, then penalised on that rate.
5 – 10 yearsQuarterly compoundingIncludes the five-year tax-saving deposit, which cannot be pledged.

How to Check RBL Bank FD Interest Rates

RBL Bank FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

RBL Bank publishes its domestic deposit card on rblbank.com and inside its mobile app, quoted per tenure bucket with a separate senior citizen column. The RBL FD rate applicable to you depends on the exact tenure bucket and the deposit size, so check both rather than the headline figure.

Take the current RBL Bank fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to an RBL Bank FD

  • •Founded in 1943 as Ratnakar Bank in Kolhapur and renamed RBL Bank in 2014 after a decade of recapitalisation and repositioning.
  • •A Kolhapur regional lender for its first seven decades, RBL only became a national franchise after 2010.
  • •DICGC cover of ₹5 lakh per depositor per bank applies exactly as at any scheduled commercial bank.
  • •Senior citizens receive the standard increment on eligible tenures.
  • •An overdraft against the deposit is available rather than closing it early.

Enter the rate RBL Bank quotes for your chosen tenure above to see the exact maturity value and how the interest accrues year by year.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.

Founded

1943

Headquarters

Mumbai

Bank Type

Private Sector Bank

Tenure Range

7 Days to 20 Years

Features and Key Rules

  • •Senior citizens receive an additional 0.50% interest rate on retail tenures.
  • •Some RBL schemes accept tenures well beyond the usual 10-year ceiling.
  • •Interest is compounded quarterly on cumulative deposits.
  • •Minimum deposit is typically ₹10,000 for retail term deposits.
  • •Deposits are DICGC insured up to the statutory limit per depositor per bank.
  • •Premature withdrawal attracts a penalty on the rate applicable for the period actually run.

Frequently Asked Questions

Common questions about the RBL Bank FD Calculator.

Smaller private banks compete for deposits on rate because they lack the large low-cost deposit bases of the biggest banks. Deposit protection is unchanged — DICGC insurance covers scheduled commercial banks up to the same statutory limit regardless of size.

RBL Bank accepts term deposits beyond the usual 10-year ceiling, with some schemes running up to 20 years. Very long tenures lock your rate for a long period, which favours you if rates fall and works against you if they rise.

Popular Calculators

Looking for Bank IFSC & Transfer Details?

Need to initiate an NEFT, RTGS, or IMPS transfer for your investments or loan EMIs? Find verified IFSC codes and MICR codes across India.

Browse All 1.5 Lakh+ Bank Branches