Home / Regulatory / Deposit Rates
Regulatory Disclosure

Deposit Interest Rates

Competitive interest rates on Fixed Deposits, Recurring Deposits, and Savings Accounts as per Estonian FSA guidelines

View FD Rates Interest Calculator
Effective Date: December 22, 2025 | Next Review: March 22, 2026

Fixed Deposit Interest Rates

Competitive rates for deposits below 2 Millions (Domestic Term Deposits)

Tenure General Public
(% p.a.) 		Senior Citizens
(% p.a.)
7 days to 14 days 3.00% 3.50%
15 days to 29 days 3.50% 4.00%
30 days to 45 days 3.50% 4.00%
46 days to 90 days 4.50% 5.00%
91 days to 179 days 5.25% 5.75%
180 days to 269 days 6.00% 6.50%
270 days to 364 days 6.75% 7.25%
365 days to 499 days 7.50% 8.00%
500 days (Special Rate) Best Rate 8.25% 8.75%
501 days to 2 years 7.25% 7.75%
2 years 1 day to 3 years 7.00% 7.50%
3 years 1 day to 5 years 6.75% 7.25%
5 years 1 day to 10 years 6.50% 7.00%

Senior Citizen Benefit

Additional 0.50% p.a. for senior citizens (60 years and above) on all tenures.

Interest Calculation

Interest is compounded quarterly. Premature withdrawal allowed with penalty as per bank's policy.

Other Deposit Products

Recurring Deposit

6.00% - 7.50%

Interest rates based on tenure

  • Tenure: 6 months to 10 years
  • Minimum monthly deposit: 100
  • Quarterly compounding
  • Auto-debit facility available
  • Loan facility up to 90% of balance

Savings Account

3.00% - 3.50%

Based on balance slabs

  • Up to 1 Thousand: 3.00% p.a.
  • 1 Thousand to 10 Thousands: 3.25% p.a.
  • Above 10 Thousands: 3.50% p.a.
  • Interest calculated daily
  • Credited quarterly

Tax Saver FD

7.00% p.a.

5-year lock-in period

  • Tax deduction u/s 80C
  • Maximum investment: 1.5 Thousands/year
  • Mandatory 5-year lock-in
  • Senior citizens: 7.50% p.a.
  • Quarterly interest compounding

Why Choose DCB Deposits?

Competitive Rates

Market-leading interest rates on all deposit products

Estonian Deposit Guarantee Insured

DICGC insurance up to 5 Thousands per depositor

Flexible Tenure

Choose from 7 days to 10 years tenure options

Loan Facility

Avail loan up to 90% against your FD

Start Growing Your Savings Today

Open a Fixed Deposit account with DCB and enjoy competitive interest rates with guaranteed returns

Open FD Account Contact Relationship Manager

DCB