Interest Rates
2.75% – 6.55% p.a.
Time Period
7 days to 5 years and above
Min - Max Amount
5,000 - No upper limit
Compounding
Quarterly
ENTER AMOUNT
Select Duration
Expected Rate of Return
The future value of investment will be
₹ 0
Invested Amount
₹ 10,000
Est. Returns
₹ 0
DBS Bank Limited is a leading financial services group in Asia with roots tracing back to 1968. Originally established as The Development Bank of Singapore, it was created to bolster the nation's industrialisation and economic diversification. Headquartered in Singapore's Marina Bay financial district, the bank has evolved into a multifaceted commercial powerhouse serving over 18 million customers across 19 markets.
In India, DBS has been operating since 1994 and transformed into a wholly-owned subsidiary, DBS Bank India Limited, in 2019 following RBI's licensing reforms. This strategic move enabled full-service retail, corporate, and investment banking with a network of 28 branches and a robust digital footprint catering to 2.5 million Indian customers. The bank's digital innovation has been recognized globally, earning 'World's Best Digital Bank' by Euromoney for 13 consecutive years through 2025.
Under Group CEO Piyush Gupta since 2009, DBS has championed digital transformation integrating AI, blockchain, and sustainable finance. For India operations, Managing Director and CEO Rajat Verma, appointed in March 2025, drives localised strategies focusing on MSME empowerment, wealth management, and green lending aligned with India's economic goals.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 days | 2.75% | 2.75% |
8 days | 3.00% | 3.00% |
9 days to 14 days | 2.75% | 2.75% |
15 days to 29 days | 3.25% | 3.25% |
30 days to 45 days | 3.25% | 3.25% |
46 days to 60 days | 3.50% | 3.50% |
61 days | 3.75% | 3.75% |
62 days to 90 days | 4.00% | 4.00% |
91 days to 180 days | 4.25% | 4.25% |
181 days | 5.00% | 5.50% |
182 days to 189 days | 5.80% | 6.30% |
190 days to 269 days | 5.80% | 6.30% |
270 days to less than 1 year | 6.00% | 6.50% |
1 year to 375 days | 6.30% | 6.80% |
376 days to 540 days | 6.55% | 7.05% |
541 days to 599 days | 6.55% | 7.05% |
600 days | 6.55% | 7.05% |
601 days to less than 2 years | 6.50% | 7.00% |
2 years to less than 2 years 6 months | 6.40% | 6.90% |
2 years 6 months | 6.40% | 6.90% |
2 years 6 months 1 day to less than 3 years | 6.40% | 6.90% |
3 years to less than 4 years | 6.40% | 6.90% |
4 years to less than 5 years | 6.40% | 6.90% |
5 years and above | 6.25% | 6.75% |
Note: The data is as of July 29, 2025
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 days to 14 days | 3.00% | 3.00% |
15 days to 45 days | 3.50% | 3.50% |
46 days to 90 days | 4.25% | 4.25% |
91 days to 180 days | 4.50% | 4.50% |
181 days to less than 1 year | 6.25% | 6.75% |
1 year to less than 2 years | 6.60% | 7.10% |
2 years to less than 3 years | 6.50% | 7.00% |
3 years to 5 years | 6.50% | 7.00% |
5 years and above | 6.30% | 6.80% |
Note: The data is as of July 29, 2025
DBS Bank's Fixed Deposit schemes offer secure wealth preservation with competitive returns peaking at 7.05% p.a. for senior citizens. The bank provides quarterly compounding for longer deposits and simple interest for short terms, ensuring transparency. With a modest ₹5,000 entry point and no upper investment limit, these FDs cater to both first-time savers and high-net-worth individuals.
Key benefits include flexible tenures from seven days to over five years and a 0.50% premium for seniors on 181+ day deposits. Customers can access overdraft loans up to 90% of principal without liquidation. All deposits enjoy DICGC insurance coverage up to ₹5 lakh per depositor. The digibank app enables instant bookings and real-time tracking with an intuitive calculator for maturity forecasts.
This flagship product offers tenures from seven days to five years plus with a minimum ₹5,000 investment. Available to residents and HUFs, it provides cumulative (quarterly compounding) or periodic payout options. Premature withdrawal after lock-in attracts a 1% penalty, though senior citizens enjoy waivers for enhanced accessibility.
Designed for fiscal prudence, this scheme locks funds for five years with investments up to ₹1.5 lakh eligible for Section 80C deductions. It offers the same rates as regular FDs at 6.25% p.a. with quarterly compounding. Withdrawals are prohibited except in case of demise or judicial order, making it ideal for tax optimization.
This specialized scheme provides an additional 0.50% interest on 181-day+ tenures, reaching up to 7.05% p.a. It includes flexible monthly payouts for pension supplementation and integrates with DBS Treasures for premium services. Senior customers enjoy priority queuing and personalized advisory support.
DBS offers comprehensive NRI solutions including NRE Fixed Deposits with tax-free, fully repatriable benefits at 6.30%-6.55% p.a. NRO FDs manage Indian-sourced income with taxable but TDS-creditable returns. FCNR Deposits in USD/EUR/GBP provide forex risk hedging with 5.00%-6.00% p.a. rates.
This innovative offering enables completely branch-free onboarding via the digibank app with e-KYC using Aadhaar/PAN. Funding occurs through UPI/IMPS with tenures from 7-60 months at standard rates. Auto-sweep features maximize idle balances while RD-linked FDs encourage systematic investing.
Short-term deposits (7-45 days) offer rates from 2.75%-3.25% p.a. for both regular and senior citizens. These are suitable for parking transient surpluses like dividend amounts or temporary funds awaiting deployment in higher-yielding opportunities.
Medium-term tenures (46-180 days) provide 3.50%-4.25% returns, bridging to the rate inflection point at 181-269 days with 5.00%-5.80% for regular customers. This category suits investors with semi-liquid strategies requiring moderate returns with reasonable accessibility.
Long-term deposits reach their peak at 376-600 days with 6.55% for regular customers and 7.05% for seniors. The 2-5 year range plateaus at 6.40%-6.50%, effectively outpacing inflation for serious horizon planning while maintaining capital safety.
| Tenure Range | Institution Name | Interest Rate Range (%p.a.) |
|---|---|---|
| 1 year to less than 2 years | 6.60› |
 | 1 year 11 days to 2 years | 7.00› |
 | 15 months – < 18 months | 7.25› |
 | 15 months – < 18 months | 7.00› |
 | 1 year – 2 years | 7.50› |
Note: The data is as of July 29, 2025
Existing customers can invest through the digibank by DBS app or website by navigating to 'Deposits' > 'Fixed Deposit'. Users select their preferred variant, input the investment amount (minimum ₹5,000), choose tenure, and select interest payout mode. The integrated calculator provides maturity projections, and confirmation occurs instantly with e-certificate generation.
New customers can onboard digitally using Aadhaar OTP, PAN, and video KYC completion within 10 minutes. Funding options include savings account debit, UPI, or NEFT transfers. The entire process is paperless with real-time tracking and management capabilities through the digital platform.
Customers can visit any of DBS Bank's 28 branches across India with required KYC documents. Bank representatives provide form assistance, rate explanations, and help with funding via cash, cheque, or RTGS. Premium Treasures clients access dedicated relationship managers for customized solutions.
NRI customers can utilize specialized NRI services through branches or the dedicated portal, submitting passport and visa documentation with overseas funding via SWIFT transfers. The branch network ensures personalized service for all customer segments.
DBS Bank welcomes resident individuals (18+), Non-Resident Indians, Hindu Undivided Families, minors through guardians, trusts, societies, and corporate entities. Resident applicants require standard KYC documents including Aadhaar and PAN. NRI customers need passport and OCI/PIO proof as applicable.
There are no minimum income requirements for basic FD accounts, though Treasures program eligibility requires ₹25 lakh assets under management. Digital FD access requires e-KYC capability, while bulk deposits suit entities with proper board resolutions and authorized signatories.
Standard KYC requirements include PAN card (mandatory), Aadhaar card, Voter ID, Passport, or Driving Licence for identity verification. Address proof can be established through utility bills (less than 3 months old), bank statements, or rental agreements.
Senior citizens should provide pension slips if applicable. NRI customers need to submit Form 60/15G, overseas address proof, and valid visa documentation. Entities must furnish incorporation certificates, Memorandum of Association, and board resolutions authorizing the investment.
Interest income from DBS Bank FDs is taxable under 'Income from Other Sources' according to the investor's applicable tax slab (5%-30% plus 4% cess for AY 2026-27). Tax Deducted at Source (TDS) applies when annual interest exceeds ₹40,000 (₹50,000 for senior citizens) at 10%, rising to 20% without PAN submission.
Tax Saver FDs qualify for Section 80C deductions up to ₹1.5 lakh with a mandatory 5-year lock-in period. NRI customers face 30.90% TDS on NRO deposits, though NRE and FCNR deposits remain tax-exempt. The digibank app includes TDS estimation tools for better tax planning.
DBS Bank permits premature FD closures after minimum tenure periods (7 days for domestic, 1 year for NRE/FCNR), applying a 1% penalty on the prevailing period rate. Senior citizens are exempt from this penalty in most cases. No interest is paid for withdrawals within the first 7 days.
Tax Saver FDs cannot be withdrawn prematurely except in case of the depositor's demise or court orders. Closure requests can be initiated through the app or branches with processing typically completed within T+1 day after applicable deductions.
Access the digibank app or website, navigate to Deposits > Fixed Deposit, provide required details, complete e-KYC using Aadhaar, and authorize the debit for instant activation. New customers can finish video verification without visiting branches.
The minimum investment is ₹5,000 for regular fixed deposits in multiples of ₹1,000. Tax Saver FDs start from ₹100, allowing maximum tax benefit utilization without excessive investment.
DBS offers tenures from 7 days to 5+ years with tiered interest rates that incentivize longer durations. NRE deposits begin from 1 year, while flexible variants allow adjustments for changing needs.
Residents and NRIs aged 18+ with valid Aadhaar and PAN for e-KYC verification can open digital FDs without existing savings account relationships. Entities require proper resolutions and documentation.
The highest rate of 7.05% p.a. is available for senior citizens on 376-600 day tenures for deposits under ₹3 crore. Bulk deposits above ₹3 crore can reach up to 7.10% p.a. based on negotiation.
Input deposit amount, tenure, and applicable rate into the digibank calculator for gross return projections, then deduct estimated TDS and applicable income tax to determine net returns for informed decision-making.
Focus on 376-600 day tenures for peak rates, utilize quarterly compounding benefits, and leverage senior citizen or NRI premium rates where applicable. Implement laddering strategies across multiple tenures and incorporate Tax Saver FDs for deductions.
