RBL Recurring Deposit Interest Rates 2025

Updated on August 8, 2025 , 5741 views

The Recurring deposit (RD) scheme offered by the RBL Bank is for the fixed Income groups to invest small amounts monthly thereby bringing closer to your dreams.

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 Recurring Deposit account with RBL Bank can choose any amount and term according to your convenience.

RBL Bank RD Interest Rates 2025

Here's a list of RBL Bank Recurring Deposit (RD) interest rates for amount upto INR 2 crore.

Tenure	General Rates	Senior Citizen Rates
181 days to 240 days	6.65%	7.15%
241 days to 364 days	6.65%	7.15%
1 year but less than 2 years	7.20%	7.70%
2 years but less than 3 years	7.25%	7.75%
3 years to 3 years 1 day	7.50%	8.00%
3 years 2 days to less than 5 years	7.00%	7.50%
5 years but less than 10 years	7.15%	7.65%
10 years but less than 20 years	6.65%	7.15%

Interest rates are subject to change from time to time. Kindly contact the bank branch to know the latest RD rates

Key Features of RBL Bank RD Account

Some of the key features of the RBL Bank RD Account area:

The RBL RD account allows you to safely deposit a small fixed amount of money on a regular Basis. It is a good way for people who can invest smaller amount rather than a bulky one-time payment
The scheme offers flexible tenure. One can choose tenures which can Range from a few months to several years depending upon their Financial goals
Easy and simple investments with attractive returns
The bank RD account offers a quick liquidity option and access to the money whenever required with nominal penal charges

Ready to Invest?
Talk to our investment specialist

RBL 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

RD Calculator

Investment Amount:₹180,000

Interest Earned:₹22,265

Maturity Amount: ₹202,265

Documents to Open RBL Bank RD Account

1. Proof of Identity

Passport
PAN Card
Driving license
Voter ID card
Government ID card
Photo ration card
Senior citizen ID card

2. Address Proof

Passport
Electricity bill
Telephone bill
Bank statement with Cheque
Certificate/ ID card issued by Post Office

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

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP US Flexible Equity Fund Growth	₹67.3209 ↑ 0.94	₹935	500	23.3	8.5	28.6	18.1	16.9	17.8
Franklin Asian Equity Fund Growth	₹31.3929 ↓ -0.25	₹263	500	11.2	9.7	16	8	3.6	14.4
Invesco India Growth Opportunities Fund Growth	₹99.2 ↓ -1.06	₹7,887	100	10.6	11.4	12.2	24.5	24	37.5
ICICI Prudential Banking and Financial Services Fund Growth	₹132.18 ↓ -0.80	₹10,088	100	2.8	10	11.4	16.2	21.6	11.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹59.47 ↓ -0.35	₹3,625	1,000	2.2	10.7	9.9	16.3	21.5	8.7
Motilal Oswal Multicap 35 Fund Growth	₹59.6733 ↓ -2.11	₹13,894	500	3.4	4	6	22.1	18.5	45.7
Axis Focused 25 Fund Growth	₹53.95 ↓ -0.62	₹13,025	500	3.2	5.3	2.5	8.9	13.3	14.8
Kotak Standard Multicap Fund Growth	₹82.764 ↓ -0.89	₹54,841	500	4.4	7.7	2.3	16.3	19.2	16.5
Mirae Asset India Equity Fund Growth	₹110.04 ↓ -1.17	₹40,725	1,000	2.7	4.5	2.2	12.2	16.7	12.7
Tata India Tax Savings Fund Growth	₹43.0591 ↓ -0.46	₹4,711	500	3.2	2.9	0.3	14.9	19.7	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP US Flexible Equity Fund	Franklin Asian Equity Fund	Invesco India Growth Opportunities Fund	ICICI Prudential Banking and Financial Services Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Motilal Oswal Multicap 35 Fund	Axis Focused 25 Fund	Kotak Standard Multicap Fund	Mirae Asset India Equity Fund	Tata India Tax Savings Fund
Point 1	Bottom 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).	Upper mid AUM (₹13,025 Cr).	Highest AUM (₹54,841 Cr).	Top quartile AUM (₹40,725 Cr).	Lower mid AUM (₹4,711 Cr).
Point 2	Established 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 (13+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Established history (10+ 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: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 16.91% (lower mid).	5Y return: 3.64% (bottom quartile).	5Y return: 24.05% (top quartile).	5Y return: 21.65% (top quartile).	5Y return: 21.47% (upper mid).	5Y return: 18.51% (lower mid).	5Y return: 13.26% (bottom quartile).	5Y return: 19.21% (upper mid).	5Y return: 16.75% (bottom quartile).	5Y return: 19.75% (upper mid).
Point 6	3Y return: 18.11% (upper mid).	3Y return: 7.95% (bottom quartile).	3Y return: 24.53% (top quartile).	3Y return: 16.23% (lower mid).	3Y return: 16.33% (upper mid).	3Y return: 22.15% (top quartile).	3Y return: 8.88% (bottom quartile).	3Y return: 16.32% (upper mid).	3Y return: 12.22% (bottom quartile).	3Y return: 14.94% (lower mid).
Point 7	1Y return: 28.64% (top quartile).	1Y return: 16.03% (top quartile).	1Y return: 12.20% (upper mid).	1Y return: 11.38% (upper mid).	1Y return: 9.93% (upper mid).	1Y return: 5.98% (lower mid).	1Y return: 2.55% (lower mid).	1Y return: 2.26% (bottom quartile).	1Y return: 2.19% (bottom quartile).	1Y return: 0.34% (bottom quartile).
Point 8	Alpha: -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: 2.19 (upper mid).	Alpha: 1.33 (upper mid).	Alpha: 1.62 (upper mid).	Alpha: -0.42 (lower mid).
Point 9	Sharpe: 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: 0.15 (lower mid).	Sharpe: 0.10 (bottom quartile).	Sharpe: 0.12 (bottom quartile).	Sharpe: -0.01 (bottom quartile).
Point 10	Information 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: -1.01 (bottom quartile).	Information ratio: 0.21 (upper mid).	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: 16.91% (lower mid).
3Y return: 18.11% (upper mid).
1Y return: 28.64% (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: 3.64% (bottom quartile).
3Y return: 7.95% (bottom quartile).
1Y return: 16.03% (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: 24.05% (top quartile).
3Y return: 24.53% (top quartile).
1Y return: 12.20% (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: 21.65% (top quartile).
3Y return: 16.23% (lower mid).
1Y return: 11.38% (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: 21.47% (upper mid).
3Y return: 16.33% (upper mid).
1Y return: 9.93% (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: 18.51% (lower mid).
3Y return: 22.15% (top quartile).
1Y return: 5.98% (lower mid).
Alpha: 8.72 (top quartile).
Sharpe: 0.42 (upper mid).
Information ratio: 0.73 (top quartile).

Axis Focused 25 Fund

Upper mid AUM (₹13,025 Cr).
Established history (13+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.26% (bottom quartile).
3Y return: 8.88% (bottom quartile).
1Y return: 2.55% (lower mid).
Alpha: 2.19 (upper mid).
Sharpe: 0.15 (lower mid).
Information ratio: -1.01 (bottom quartile).

Kotak Standard Multicap Fund

Highest AUM (₹54,841 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.21% (upper mid).
3Y return: 16.32% (upper mid).
1Y return: 2.26% (bottom quartile).
Alpha: 1.33 (upper mid).
Sharpe: 0.10 (bottom quartile).
Information ratio: 0.21 (upper mid).

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: 16.75% (bottom quartile).
3Y return: 12.22% (bottom quartile).
1Y return: 2.19% (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: 19.75% (upper mid).
3Y return: 14.94% (lower mid).
1Y return: 0.34% (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.