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Bandhan Bank Recurring Deposit Interest Rates 2025

Updated on August 9, 2025 , 19695 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.

Bandhan-Bank

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 2025

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

Monthly Deposit:
Tenure:
Months
Rate of Interest (ROI):
%

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

Best Performing SIPs to Invest 2025

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

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
DSP US Flexible Equity Fund Growth ₹67.1635
↓ -0.16
₹935 500 21.18.329.917.316.917.8
Franklin Asian Equity Fund Growth ₹31.3929
↓ -0.25
₹263 500 10.48.815.77.83.514.4
Invesco India Growth Opportunities Fund Growth ₹100.37
↑ 1.17
₹7,887 100 13.218.312.424.824.237.5
ICICI Prudential Banking and Financial Services Fund Growth ₹133.09
↑ 0.91
₹10,088 100 4.912.911.71621.611.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹59.81
↑ 0.34
₹3,625 1,000 4.613.99.415.921.48.7
Motilal Oswal Multicap 35 Fund Growth ₹60.2198
↑ 0.55
₹13,894 500 4.78.26.122.418.745.7
Kotak Standard Multicap Fund Growth ₹83.467
↑ 0.70
₹54,841 500 5.511.52.516.319.316.5
Axis Focused 25 Fund Growth ₹54.5
↑ 0.55
₹13,025 500 5.39.72.4913.314.8
Mirae Asset India Equity Fund  Growth ₹111.058
↑ 1.02
₹40,725 1,000 4.48.32.412.216.712.7
Tata India Tax Savings Fund Growth ₹43.3161
↑ 0.26
₹4,711 500 4.66.8014.719.619.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 10 Funds showcased

CommentaryDSP US Flexible Equity FundFranklin Asian Equity FundInvesco India Growth Opportunities FundICICI Prudential Banking and Financial Services FundAditya Birla Sun Life Banking And Financial Services FundMotilal Oswal Multicap 35 FundKotak Standard Multicap FundAxis Focused 25 FundMirae Asset India Equity Fund Tata India Tax Savings Fund
Point 1Bottom quartile AUM (₹935 Cr).Bottom quartile AUM (₹263 Cr).Lower mid AUM (₹7,887 Cr).Upper mid AUM (₹10,088 Cr).Bottom quartile AUM (₹3,625 Cr).Upper mid AUM (₹13,894 Cr).Highest AUM (₹54,841 Cr).Upper mid AUM (₹13,025 Cr).Top quartile AUM (₹40,725 Cr).Lower mid AUM (₹4,711 Cr).
Point 2Established history (13+ yrs).Established history (17+ yrs).Oldest track record among peers (18 yrs).Established history (16+ yrs).Established history (11+ yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (17+ yrs).Established history (10+ yrs).
Point 3Top 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 4Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 16.86% (lower mid).5Y return: 3.48% (bottom quartile).5Y return: 24.24% (top quartile).5Y return: 21.58% (top quartile).5Y return: 21.38% (upper mid).5Y return: 18.68% (lower mid).5Y return: 19.27% (upper mid).5Y return: 13.28% (bottom quartile).5Y return: 16.71% (bottom quartile).5Y return: 19.58% (upper mid).
Point 63Y return: 17.26% (upper mid).3Y return: 7.79% (bottom quartile).3Y return: 24.79% (top quartile).3Y return: 16.02% (upper mid).3Y return: 15.90% (lower mid).3Y return: 22.37% (top quartile).3Y return: 16.26% (upper mid).3Y return: 8.99% (bottom quartile).3Y return: 12.25% (bottom quartile).3Y return: 14.73% (lower mid).
Point 71Y return: 29.94% (top quartile).1Y return: 15.69% (top quartile).1Y return: 12.41% (upper mid).1Y return: 11.65% (upper mid).1Y return: 9.42% (upper mid).1Y return: 6.15% (lower mid).1Y return: 2.48% (lower mid).1Y return: 2.44% (bottom quartile).1Y return: 2.38% (bottom quartile).1Y return: 0.01% (bottom quartile).
Point 8Alpha: -4.34 (bottom quartile).Alpha: 0.00 (lower mid).Alpha: 9.12 (top quartile).Alpha: -0.92 (bottom quartile).Alpha: -6.15 (bottom quartile).Alpha: 8.72 (top quartile).Alpha: 1.33 (upper mid).Alpha: 2.19 (upper mid).Alpha: 1.62 (upper mid).Alpha: -0.42 (lower mid).
Point 9Sharpe: 0.51 (top quartile).Sharpe: 0.42 (upper mid).Sharpe: 0.50 (upper mid).Sharpe: 0.72 (top quartile).Sharpe: 0.38 (lower mid).Sharpe: 0.42 (upper mid).Sharpe: 0.10 (bottom quartile).Sharpe: 0.15 (lower mid).Sharpe: 0.12 (bottom quartile).Sharpe: -0.01 (bottom quartile).
Point 10Information ratio: -0.49 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: 1.03 (top quartile).Information ratio: 0.11 (upper mid).Information ratio: 0.35 (upper mid).Information ratio: 0.73 (top quartile).Information ratio: 0.21 (upper mid).Information ratio: -1.01 (bottom quartile).Information ratio: -0.70 (bottom quartile).Information ratio: -0.31 (lower mid).

DSP US Flexible Equity Fund

  • Bottom quartile AUM (₹935 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 16.86% (lower mid).
  • 3Y return: 17.26% (upper mid).
  • 1Y return: 29.94% (top quartile).
  • Alpha: -4.34 (bottom quartile).
  • Sharpe: 0.51 (top quartile).
  • Information ratio: -0.49 (bottom quartile).

Franklin Asian Equity Fund

  • Bottom quartile AUM (₹263 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 3.48% (bottom quartile).
  • 3Y return: 7.79% (bottom quartile).
  • 1Y return: 15.69% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.42 (upper mid).
  • Information ratio: 0.00 (lower mid).

Invesco India Growth Opportunities Fund

  • Lower mid AUM (₹7,887 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.24% (top quartile).
  • 3Y return: 24.79% (top quartile).
  • 1Y return: 12.41% (upper mid).
  • Alpha: 9.12 (top quartile).
  • Sharpe: 0.50 (upper mid).
  • Information ratio: 1.03 (top quartile).

ICICI Prudential Banking and Financial Services Fund

  • Upper mid AUM (₹10,088 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 21.58% (top quartile).
  • 3Y return: 16.02% (upper mid).
  • 1Y return: 11.65% (upper mid).
  • Alpha: -0.92 (bottom quartile).
  • Sharpe: 0.72 (top quartile).
  • Information ratio: 0.11 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Bottom quartile AUM (₹3,625 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 21.38% (upper mid).
  • 3Y return: 15.90% (lower mid).
  • 1Y return: 9.42% (upper mid).
  • Alpha: -6.15 (bottom quartile).
  • Sharpe: 0.38 (lower mid).
  • Information ratio: 0.35 (upper mid).

Motilal Oswal Multicap 35 Fund

  • Upper mid AUM (₹13,894 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.68% (lower mid).
  • 3Y return: 22.37% (top quartile).
  • 1Y return: 6.15% (lower mid).
  • Alpha: 8.72 (top quartile).
  • Sharpe: 0.42 (upper mid).
  • Information ratio: 0.73 (top quartile).

Kotak Standard Multicap Fund

  • Highest AUM (₹54,841 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.27% (upper mid).
  • 3Y return: 16.26% (upper mid).
  • 1Y return: 2.48% (lower mid).
  • Alpha: 1.33 (upper mid).
  • Sharpe: 0.10 (bottom quartile).
  • Information ratio: 0.21 (upper mid).

Axis Focused 25 Fund

  • Upper mid AUM (₹13,025 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.28% (bottom quartile).
  • 3Y return: 8.99% (bottom quartile).
  • 1Y return: 2.44% (bottom quartile).
  • Alpha: 2.19 (upper mid).
  • Sharpe: 0.15 (lower mid).
  • Information ratio: -1.01 (bottom quartile).

Mirae Asset India Equity Fund 

  • Top quartile AUM (₹40,725 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.71% (bottom quartile).
  • 3Y return: 12.25% (bottom quartile).
  • 1Y return: 2.38% (bottom quartile).
  • Alpha: 1.62 (upper mid).
  • Sharpe: 0.12 (bottom quartile).
  • Information ratio: -0.70 (bottom quartile).

Tata India Tax Savings Fund

  • Lower mid AUM (₹4,711 Cr).
  • Established history (10+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.58% (upper mid).
  • 3Y return: 14.73% (lower mid).
  • 1Y return: 0.01% (bottom quartile).
  • Alpha: -0.42 (lower mid).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: -0.31 (lower 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.
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