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RBL Bank (Ratnakar)
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
PrivateHeadquarters
MumbaiFounded
1943Branches
603DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
0.39%Strong
CAR
14.25%Fair
PCR
73.57%Strong
LCR
130.19%Strong
CASA
33.60%Fair
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD |
|---|---|
| 1 to <2 years | 4.10%BEST |
| 2 to <3 years | 3.50% |
| 3 to <4 years | 3.50% |
| 4 to <5 years | 3.75% |
| 5 years | 3.75% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
365 to 500 days | 7.00% |
501 days to <18 months | 7.00% |
18 to 36 months | 7.20%BEST |
36 to <60 months | 7.00% |
60 to 120 months | 6.70% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, RBL Bank (Ratnakar) offers up to 7.20% p.a. on Fixed Deposits and up to 6.00% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, RBL Bank (Ratnakar) is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with RBL Bank (Ratnakar) starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
RBL Bank (Ratnakar) offers tiered interest rates ranging from 3.00% to 6.00% p.a. depending on the balance slabs maintained in the savings account.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
RBL Bank (Ratnakar) FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,186
MATURITY DATE
19 Sept 2027
Interest rate7.00% p.a.
Principal₹1,00,000
Total interest₹7,186
Indicative only. Actual figures may vary.