DBS Bank India is part of the DBS Group, headquartered in Singapore, and offers domestic fixed deposits through its Indian banking operations. Its digibank platform allows eligible customers to manage banking services digitally, including opening fixed deposits online. This article looks at the latest DBS Bank India FD interest rates, applicable tenures, senior-citizen rates, Tax Saver Deposit rates and key features to consider before opening an FD.
Disclaimer: The above information is only for educational purposes. We do not recommend that you open any fixed deposits based on the interest rate provided above. Rates may vary and may change from time to time at the bank’s discretion. Please check the updated rates from the bank’s official website.
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DBS Bank FD Interest Rates in 2026
DBS Bank India offers fixed deposits across tenures ranging from 7 days to 5 years and above. As per the rates effective from 30 September 2026, regular customers can earn up to 6.50% p.a., while senior citizens can earn up to 7.00% p.a., depending on the tenure. The highest rate for regular customers is currently available on tenures from 501 days to 2 years, across the applicable slabs listed by the bank.
DBS Bank fixed deposit interest rates for deposits below ₹3 Crore:
DBS Bank FD Interest Rates for Deposits Below ₹3 Crore
| Tenure | Regular Customers | Senior Citizens |
|---|---|---|
| 7 days | 4.25% | 4.25% |
| 8 days | 3.00% | 3.00% |
| 9–14 days | 2.75% | 2.75% |
| 15–29 days | 3.25% | 3.25% |
| 30–45 days | 3.25% | 3.25% |
| 46–60 days | 3.50% | 3.50% |
| 61 days | 3.75% | 3.75% |
| 62–90 days | 4.00% | 4.00% |
| 91–180 days | 4.25% | 4.25% |
| 181 days | 5.00% | 5.50% |
| 182–189 days | 5.80% | 6.30% |
| 190–269 days | 5.80% | 6.30% |
| 270 days to <1 year | 6.00% | 6.50% |
| 1 year to 375 days | 6.25% | 6.75% |
| 376–400 days | 6.40% | 6.90% |
| 401–500 days | 6.40% | 6.90% |
| 501–540 days | 6.50% | 7.00% |
| 541–599 days | 6.50% | 7.00% |
| 600 days | 6.50% | 7.00% |
| 601 days to <2 years | 6.50% | 7.00% |
| 2 years to <2 years 6 months | 6.50% | 7.00% |
| 2 years 6 months | 6.50% | 7.00% |
| 2 years 6 months 1 day to <3 years | 6.50% | 7.00% |
| 3 years to <4 years | 6.50% | 7.00% |
| 4 years to <5 years | 6.50% | 7.00% |
| 5 years and above | 6.25% | 6.75% |
Rates are for single rupee term deposits below ₹3 crore and are subject to change. Senior-citizen preferential rates apply to eligible domestic term deposits for tenures of 181 days and above.
Key Takeaways
- Highest Regular Rate: DBS Bank India currently offers up to 6.50% p.a. on eligible tenures, including 501 days to 2 years and certain longer tenures below five years.
- Senior Citizen Rate: Eligible senior citizens can receive an additional 0.50 percentage points on domestic term deposits for tenures of 181 days and above, taking the highest rate to 7.00% p.a.
- Tax Saver Deposit: DBS Bank’s Tax Saver Deposit currently offers 6.25% p.a. for regular customers and 6.75% p.a. for senior citizens.
*Applicable for specific tenures. Interest rates are subject to change by the bank.
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DBS Bank Tax Saver FD: Tax Benefits and Lock-in Period
DBS Bank India’s Tax Saver Deposit has a five-year lock-in period. For Tax Year 2026-27, the deduction framework for eligible savings instruments is provided under Section 123 read with Schedule XV of the Income Tax Act, 2025, with an aggregate deduction of up to ₹1.5 lakh, subject to the applicable conditions and tax regime. The deduction is not available under the new concessional tax regime. Premature or partial withdrawals are not permitted during the lock-in period, subject to the applicable rules.
DBS Bank FD: Regulation and Deposit Insurance
DBS Bank India Limited is a banking entity operating in India as a wholly owned subsidiary of DBS Bank Ltd., headquartered in Singapore. DBS Bank India operates under the regulatory framework applicable to banks in India. RBI’s list of banks in India includes DBS Bank India Limited, and the bank is also listed by DICGC as an insured bank.
Eligible deposits are covered by DICGC insurance up to ₹5 lakh per depositor per bank, including principal and interest, subject to the applicable rules and conditions. This coverage is not unique to DBS; it applies to eligible deposits with insured banks within the applicable limit.
When evaluating a DBS FD, investors should also consider the applicable interest rate, tenure, premature-withdrawal terms, taxation and liquidity requirements.
Should You Choose a DBS Bank Fixed Deposit?
A suitable fixed deposit is one that fits your personal goals and objectives, not the particular name of the bank.
Before making an FD account, take into account factors like the interest rate offered for the tenure you want, the premature withdrawal policies, interest payment schemes, taxes, and liquidity needs. If digital account management is important to you, DBS’s digibank facility may also be a factor to consider.
| Factor | Why It Matters |
| Interest Rate | Determines the interest earned on the deposit. |
| Tenure | Determines how long the funds remain committed before maturity. |
| Digital Banking | Enables online account opening and management. |
| Premature Withdrawal Rules | Important if you may need funds before maturity. |
| Deposit Insurance | Eligible deposits are covered under DICGC limits. |
DBS Bank FD Frequently Asked Questions (FAQs)
As per the rates effective from 30 September 2026, DBS Bank India offers a maximum FD interest rate of 6.50% p.a. for regular customers and 7.00% p.a. for eligible senior citizens on applicable domestic tenures.
The minimum deposit amount for a DBS Bank fixed deposit account is ₹5,000.
Yes. Eligible DBS customers can open a fixed deposit online through the digibank app or Internet Banking. The bank provides an online process for selecting the FD amount, tenure and maturity instructions.
Yes. DBS Bank India Limited is listed by DICGC as an insured bank. Eligible deposits are covered under the DICGC deposit insurance scheme up to ₹5 lakh per depositor per bank, including principal and interest, subject to the applicable rules and conditions.
Final Thoughts
DBS Bank India offers domestic fixed deposits across a range of tenures, with interest rates varying according to the deposit tenure and customer category. As of October 2026, regular customers can earn up to 6.50% p.a., while eligible senior citizens can earn up to 7.00% p.a. on applicable domestic tenures.
Before opening an FD, consider the rate applicable to your preferred tenure, premature-withdrawal terms, taxation, deposit insurance and liquidity requirements. For Tax Saver Deposits, also consider the five-year lock-in and the applicable tax provisions.
Disclaimer
Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and/or default in payment. Read all the offer-related documents carefully. This blog/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of/on GoldenPi or any product/services of its third-party client(s). For a detailed calculation of YTM, visit our website. T&C’s Apply.
