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Looking for fixed deposits with a globally recognized bank name? If yes, then DBS Bank India will probably be one of the banks on your list. With its renowned DBS Digibank that offers a digitally oriented banking experience, DBS provides you with fixed deposits having flexible tenures, an online account opening facility, and attractive interest rates.
Is being a foreign bank enough to make it a better choice? Let’s find out about the latest DBS Bank fixed deposit interest rates, along with their features and the things you need to know before opening an FD in 2026.
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 latest rates effective from 6 May 2026, general customers can earn up to 6.85% p.a., while senior citizens can earn up to 7.35% p.a., depending on the tenure chosen.
The highest interest rate for regular customers is currently available on the 376–400 day tenure.
DBS Bank fixed deposit interest rates for deposits below ₹2 Crore: Standard Fixed Deposit Interest Rates
| Tenure | General Customer (p.a.) | Senior Citizens (p.a.) |
|---|---|---|
| 7 – 14 days | 2.75% | 2.75% |
| 15 – 29 days | 2.75% | 2.75% |
| 30 – 45 days | 3.00% | 3.00% |
| 46 – 90 days | 3.50% | 3.50% |
| 91 – 180 days | 4.25% | 4.25% |
| 181 – 269 days | 6.00% | 6.50% |
| 270 – 364 days | 6.00% | 6.50% |
| 365 days to 375 days | 6.30% | 6.80% |
| 376 days to 400 days | 6.85% | 7.35% |
| 401 days to 500 days | 6.75% | 7.25% |
| 501 days to 599 days | 6.60% | 7.10% |
| 600 days | 6.60% | 7.10% |
| 601 days to 2 years | 6.60% | 7.10% |
| 2 years 1 day to 3 years | 6.50% | 7.00% |
| 3 years 1 day to 4 years | 6.50% | 7.00% |
| 4 years 1 day to 5 years | 6.25% | 6.75% |
| 5 years and above | 6.25% | 6.75% |
Key Takeaways
- Peak Return: The highest yield is at the 376 to 400 days slab.
- Senior Citizen Bonus: Seniors get an extra 0.50% p.a. on tenures of 181 days and above.
- Tax Saving: The 5-year Tax Saving FD offers 6.25% p.a. for general citizens.
*Applicable for specific tenures. Interest rates are subject to change by the bank.
What Makes DBS Fixed Deposits Different?
One of the most attractive features of DBS Bank is the digital banking facility offered through digibank. Customers have the option of applying for and managing FDs online without the need to go to a physical branch. In addition, the bank provides investors with cumulative and non-cumulative FDs, giving customers the choice of earning periodic interest or receiving the maturity amount upon the expiry of the period.
The minimum amount that customers must deposit to start an FD account with DBS Bank is ₹5,000.
Latest Fixed Deposit News:
- IOB Fixed Deposit Interest Rates July 2026: Indian Overseas Bank FD Complete Guide
- 5-Year Fixed Deposit Interest Rates 2026: Best Banks for Long-Term FDs
- DBS Bank Fixed Deposit Interest Rates 2026: Is DBS Bank FD Worth It in India?
Is DBS Bank Safe for Fixed Deposits in India?
Even though DBS is a Singapore-headquartered bank, DBS Bank India Limited functions as a scheduled commercial bank, regulated by the Reserve Bank of India. Just like other eligible scheduled commercial banks in India, the deposits of DBS are insured by DICGC, which provides insurance cover for eligible deposits of eligible scheduled commercial banks up to ₹5 lakh per depositor per bank as per the relevant terms and conditions.
In this regard, investors should consider DBS FDs in the same way they consider other bank FDs, depending on tenure, liquidity requirements, and interest rates.
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 you want online banking, then the digibank facility of DBS might be an essential factor to take into account.
| Factor | Why It Matters |
| Interest Rate | Determines the return on your deposit. |
| Tenure | Should align with your financial goal. |
| 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)
According to the interest rates applicable from 6 May 2026, DBS Bank provides an interest rate of up to 6.85% p.a. to general customers and 7.35% p.a. to senior citizens for specific tenures.
The minimum deposit amount for a DBS Bank fixed deposit account is ₹5,000.
Yes. DBS Bank gives its customers the flexibility to open fixed deposit accounts online via its digibank portal and internet banking system.
Eligible deposits with DBS Bank India are covered under the DICGC deposit insurance scheme, subject to the applicable coverage limit and conditions.
Final Thoughts
DBS Bank India is a fusion of the expertise of an international bank, along with the digital way of doing things for its customers in India. The fixed deposits from DBS Bank India provide customers with favorable interest rates that may vary with different tenures, an online facility for managing accounts, and flexibility with payouts. Nevertheless, just like any other financial choice, one must consider his or her own financial objectives and the current interest rate regime while deciding on which fixed deposit to go for.
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.
