RD Interest Rates

RD Interest Rates

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At a GlanceCreate a DBS Bank Recurring Deposit Account and invest a fixed sum each month. Choose RDs lasting from 6 months and up to 10 years and earn attractive RD interest rates on your investment. Open a DBS Bank Account Now

DBS Bank Recurring DepositThe DBS Bank Recurring Deposit is a unique term deposit that enables you to invest a fixed sum each month. It is a safe investment tool on which you can earn an attractive interest income. DBS Bank RDs are flexible and easy to invest in. You can open the RD online on the digibank app or internet banking portal. Open a DBS Bank Account Now

DBS Bank Recurring Deposit Interest RatesBelow is the schedule of DBS Bank RD interest RatesRates w.e.f. 6^th May, 2025*For 600 days tenor RD rates are not applicable*Custom tenor for RD should be multiples of 3 months

Tenor	RECURRING DEPOSIT
Tenor	Regular	Senior Citizen
91 to 180 days	4.25%	4.25%
181 days	5.00%	5.50%
182 to 189 days	5.80%	6.30%
190 to 269 days	5.80%	6.30%
270 to less than 1 year	6.00%	6.50%
1 year 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 540 days	6.60%	7.10%
541 days to 599 days	6.75%	7.25%
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 and 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%

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Important Points

You can create DBS Bank Recurring Deposits with monthly investments as low as INR 100.

You may open multiple RD accounts. DBS Bank has not set any upper limits or restrictions on the number of RD accounts you can hold.

Senior citizens must provide their identity and age proof documents to earn 0.50% higher Recurring Deposit interest rates.

You may choose from daily, monthly, or quarterly RD periods.

Your chosen deposit amount will be automatically debited from your DBS Bank Savings account at your chosen periodic interval.

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What are the minimum and maximum tenures of the DBS Bank Recurring Deposit, and how can I get high recurring deposit interest rates?

The minimum tenure to maintain a DBS Bank Recurring Deposit is 6 months or up to 180 days, while the maximum tenure is up to 10 years. For a higher RD interest rate, you should opt for longer-tenure RDs.

What are the tax implications on Recurring Deposit interest earnings?

The interest earned on Recurring Deposits is taxable as per your applicable income tax slab. While filing your tax returns, you must mention your RD interest income under the sub-header ‘income from other sources’. As per government rules, the bank deducts the TDS (Tax Deducted at Source) while crediting your RD interest income. TDS is deducted at 10% on interest income exceeding INR 40,000 for regular investors and and INR 50,000 for senior citizen investors.

How can I calculate the interest income on my Recurring deposit?

You can calculate the interest income on your Recurring Deposit with the DBS Bank RD calculator. Just type in the monthly RD amount you wish to invest and your preferred investment tenure. The calculator applies the applicable interest rate and computes the total interest you stand to earn based on your chosen investment tenure. Click here to access the RD calculator.