Bandhan Bank Recurring Deposit Interest Rates 2026

Updated on September 28, 2026 , 20419 views

Bandhan Bank offers Recurring deposit (RD) account in order to instill a habit of regular savings within the investors. In this RD scheme, you can invest a fixed amount every month for a fixed tenure. Once can make these installments to a Bandhan Bank RD account either by an ECS mandate, Standing Order, or by regular direct remittance.

A recurring deposit is an investment cum savings option for those who want to save regularly over a certain period of time and earn a higher interest rate. It is a type of term deposit which allows one to save a fixed amount of money every month systematically. If you are familiar with SIP in Mutual Funds, RD works similarly in banking. Every month, a fixed amount of money is deducted either from a savings or a current account. And, at the end of the maturity, investors are paid back their invested money with accrued interest.

A user willing to open an RD account with Bandhan Bank can choose any amount and term according to your convenience.

Bandhan Bank RD Interest Rates 2026

Here's the interest rates offered by Bandhan Bank according to the tenure -

Tenure	Regular Rates (p.a)	Senior Citizen Rates (p.a)
6 months to 364 days	4.50%	5.25%
1 year to 18 months	7.00%	7.50%
18 months 1 day to 1 year 364 days	7.00%	7.50%
2 years to 3 years	7.00%	7.50%
3 years 1 day to 5 years	7.00%	7.50%
5 years to 10 years	5.60%	6.35%

The above interest rates are for investments less than INR 2 crore

RD Calculator

Investment Amount:₹180,000

Interest Earned:₹21,001

Maturity Amount: ₹201,001

Bandhan Bank RD Calculator

A Recurring Deposit calculator is a good way of calculating maturity amount on RD. You can follow this method to estimate your RD amount on maturity.

Illustration-

RD Calculator	INR
Monthly Deposit Amount	500
RD in month	60
Rate of Interest	7%
RD Maturity Amount	INR 35,966
Interest Earned	INR 5,966

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Bandhan Bank RD Account Features

The minimum opening balance for the Bandhan Bank RD account is INR 100 and in multiples of 1 rupees thereafter
The tenure for recurring deposit is a minimum of six months to a maximum of 10 years
Tax Deducted at Source (TDS) is applicable
Bandhan bank RD scheme offers nomination facility
Premature closure of recurring deposit at Bandhan bank is allowed
Bandhan Bank RD account offers overdraft facility after six months
The Passbook facility is available
The option for single or joint account holding is available on Bandhan Bank RD scheme

Documents to Open Bandhan Bank RD Account

Bank application form
Passport size photograph
PAN Card
ID card
Address proof

Why Investing in SIP is Beneficial?

Systematic Investment plan (SIP) is a way to put your money in mutual funds. Investment can be done on a periodic basis - daily, weekly, monthly or quarterly
You need to deposit a small amount of money at every interval. The minimum amount can be as low as INR 500
SIPs can help in all kinds of investment goals, whether short- or long –term, depending on the frequency of investment, funds chosen and other factors
SIPs offer flexible instalment plans of daily, weekly, monthly, quarterly etc
Returns can be earned better here. The longer you invest via a SIP in mutual funds, especially in an Equity Fund, the higher are the chances to earn good returns
To Cancel SIP, the investors can simply close their investment and withdraw their money without any penal charges

Fund Selection Methodology used to find 10 funds

Category: Equity
Investment Option: SIP
Sorted On : drat (high to low)
Tags: fcpro
No Of Funds: 10

Best Performing SIPs to Invest 2026

Here's a list of best performing equity SIPs for an investment horizon of five years and above

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Franklin Asian Equity Fund Growth	₹44.4824 ↓ -0.10	₹996	500	-1.9	26.3	32.5	22.8	8.3	23.7
DSP US Flexible Equity Fund Growth	₹92.9282 ↓ -0.28	₹1,270	500	1	21.6	29.7	27.6	18.4	33.8
Aditya Birla Sun Life Small Cap Fund Growth	₹98.435 ↓ -0.15	₹6,226	1,000	3.3	29.1	18.4	13.9	12.4	-3.7
DSP Natural Resources and New Energy Fund Growth	₹105.13 ↓ -0.63	₹2,574	500	0.1	0.9	13.3	17.3	14.4	17.5
SBI Small Cap Fund Growth	₹180.443 ↑ 0.41	₹42,631	500	0.6	22.6	6.7	10.3	12.5	-4.9
Invesco India Growth Opportunities Fund Growth	₹105.54 ↓ -0.34	₹12,387	100	-2.5	21.8	6.4	20.1	15	4.7
Motilal Oswal Multicap 35 Fund Growth	₹61.4331 ↑ 0.01	₹14,160	500	4.9	20.3	2.7	16.5	11.4	-5.6
Tata India Tax Savings Fund Growth	₹44.8227 ↓ -0.11	₹4,747	500	-2.6	10.5	2.5	10.4	10.1	4.9
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹59.41 ↑ 0.30	₹3,668	1,000	-6.6	8.7	-0.5	7.4	8.6	17.5
Tata Equity PE Fund Growth	₹339.109 ↑ 1.50	₹8,656	150	-1.4	6.8	-0.6	10.9	11.6	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin Asian Equity Fund	DSP US Flexible Equity Fund	Aditya Birla Sun Life Small Cap Fund	DSP Natural Resources and New Energy Fund	SBI Small Cap Fund	Invesco India Growth Opportunities Fund	Motilal Oswal Multicap 35 Fund	Tata India Tax Savings Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Tata Equity PE Fund
Point 1	Bottom quartile AUM (₹996 Cr).	Bottom quartile AUM (₹1,270 Cr).	Upper mid AUM (₹6,226 Cr).	Bottom quartile AUM (₹2,574 Cr).	Highest AUM (₹42,631 Cr).	Upper mid AUM (₹12,387 Cr).	Top quartile AUM (₹14,160 Cr).	Lower mid AUM (₹4,747 Cr).	Lower mid AUM (₹3,668 Cr).	Upper mid AUM (₹8,656 Cr).
Point 2	Established history (18+ yrs).	Established history (14+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (12+ yrs).	Established history (11+ yrs).	Established history (12+ yrs).	Oldest track record among peers (22 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 8.29% (bottom quartile).	5Y return: 18.38% (top quartile).	5Y return: 12.36% (upper mid).	5Y return: 14.44% (upper mid).	5Y return: 12.54% (upper mid).	5Y return: 14.97% (top quartile).	5Y return: 11.43% (lower mid).	5Y return: 10.09% (bottom quartile).	5Y return: 8.61% (bottom quartile).	5Y return: 11.59% (lower mid).
Point 6	3Y return: 22.79% (top quartile).	3Y return: 27.58% (top quartile).	3Y return: 13.90% (lower mid).	3Y return: 17.33% (upper mid).	3Y return: 10.33% (bottom quartile).	3Y return: 20.12% (upper mid).	3Y return: 16.50% (upper mid).	3Y return: 10.36% (bottom quartile).	3Y return: 7.40% (bottom quartile).	3Y return: 10.87% (lower mid).
Point 7	1Y return: 32.52% (top quartile).	1Y return: 29.74% (top quartile).	1Y return: 18.36% (upper mid).	1Y return: 13.33% (upper mid).	1Y return: 6.68% (upper mid).	1Y return: 6.41% (lower mid).	1Y return: 2.69% (lower mid).	1Y return: 2.49% (bottom quartile).	1Y return: -0.52% (bottom quartile).	1Y return: -0.59% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: -7.01 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 1.92 (upper mid).	Alpha: 4.86 (upper mid).	Alpha: 1.30 (lower mid).	Alpha: 6.01 (top quartile).	Alpha: 5.69 (top quartile).	Alpha: 1.44 (upper mid).
Point 9	Sharpe: 1.39 (top quartile).	Sharpe: 1.42 (top quartile).	Sharpe: 0.84 (upper mid).	Sharpe: 1.21 (upper mid).	Sharpe: 0.35 (lower mid).	Sharpe: 0.41 (upper mid).	Sharpe: 0.13 (bottom quartile).	Sharpe: 0.40 (lower mid).	Sharpe: 0.28 (bottom quartile).	Sharpe: 0.16 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.07 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.31 (bottom quartile).	Information ratio: 1.22 (top quartile).	Information ratio: 0.71 (top quartile).	Information ratio: 0.18 (upper mid).	Information ratio: -0.04 (bottom quartile).	Information ratio: 0.31 (upper mid).

Franklin Asian Equity Fund

Bottom quartile AUM (₹996 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 8.29% (bottom quartile).
3Y return: 22.79% (top quartile).
1Y return: 32.52% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.39 (top quartile).
Information ratio: 0.00 (upper mid).

DSP US Flexible Equity Fund

Bottom quartile AUM (₹1,270 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 18.38% (top quartile).
3Y return: 27.58% (top quartile).
1Y return: 29.74% (top quartile).
Alpha: -7.01 (bottom quartile).
Sharpe: 1.42 (top quartile).
Information ratio: -0.07 (bottom quartile).

Aditya Birla Sun Life Small Cap Fund

Upper mid AUM (₹6,226 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.36% (upper mid).
3Y return: 13.90% (lower mid).
1Y return: 18.36% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.84 (upper mid).
Information ratio: 0.00 (lower mid).

DSP Natural Resources and New Energy Fund

Bottom quartile AUM (₹2,574 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 14.44% (upper mid).
3Y return: 17.33% (upper mid).
1Y return: 13.33% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.21 (upper mid).
Information ratio: 0.00 (lower mid).

SBI Small Cap Fund

Highest AUM (₹42,631 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.54% (upper mid).
3Y return: 10.33% (bottom quartile).
1Y return: 6.68% (upper mid).
Alpha: 1.92 (upper mid).
Sharpe: 0.35 (lower mid).
Information ratio: -0.31 (bottom quartile).

Invesco India Growth Opportunities Fund

Upper mid AUM (₹12,387 Cr).
Established history (19+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.97% (top quartile).
3Y return: 20.12% (upper mid).
1Y return: 6.41% (lower mid).
Alpha: 4.86 (upper mid).
Sharpe: 0.41 (upper mid).
Information ratio: 1.22 (top quartile).

Motilal Oswal Multicap 35 Fund

Top quartile AUM (₹14,160 Cr).
Established history (12+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.43% (lower mid).
3Y return: 16.50% (upper mid).
1Y return: 2.69% (lower mid).
Alpha: 1.30 (lower mid).
Sharpe: 0.13 (bottom quartile).
Information ratio: 0.71 (top quartile).

Tata India Tax Savings Fund

Lower mid AUM (₹4,747 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.09% (bottom quartile).
3Y return: 10.36% (bottom quartile).
1Y return: 2.49% (bottom quartile).
Alpha: 6.01 (top quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.18 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Lower mid AUM (₹3,668 Cr).
Established history (12+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: High.
5Y return: 8.61% (bottom quartile).
3Y return: 7.40% (bottom quartile).
1Y return: -0.52% (bottom quartile).
Alpha: 5.69 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: -0.04 (bottom quartile).

Tata Equity PE Fund

Upper mid AUM (₹8,656 Cr).
Oldest track record among peers (22 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.59% (lower mid).
3Y return: 10.87% (lower mid).
1Y return: -0.59% (bottom quartile).
Alpha: 1.44 (upper mid).
Sharpe: 0.16 (bottom quartile).
Information ratio: 0.31 (upper mid).

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.