Private bank · typically 60 years and above
Dhanlaxmi Bank Senior Citizen rates
The highest senior citizen rate Dhanlaxmi Bank publishes today is 7.75% for 1111 Days. All 16 published terms are below, exactly as the bank states them.
Dhanlaxmi Bank currently publishes 2 rate cards with different effective dates — 23 Jul 2026 and 4 Oct 2025. They are shown as separate tables below rather than merged, because a single blended table would be a rate card this bank never issued.
Published terms
16
distinct rows on the bank’s own rate card
Rate range
4.00% – 7.75%
lowest to highest across all terms
Senior citizen premium
+0 to +50 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 15 terms
Source: Dhanlaxmi Bank interest-rate page| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 14 Days | 4.00% | 4.00% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 15 to 45 Days | 4.00% | 4.00% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 46 to 60 Days | 4.50% | 4.50% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 61 to 90 Days | 4.50% | 4.50% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 91 to 179 Days | 5.25% | 5.25% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 180 to 291 Days | 5.25% | 5.25% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 292 Days | 6.50% | 6.50% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 293 Days to < 1 Year | 5.25% | 5.25% | same | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 1 Year to & of 2 Years | 6.75% | 6.25% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 370 Days | 7.50% | 7.00% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 666 Days | 7.60% | 7.10% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
| > 2 Years to & of 3 Years | 7.00% | 6.50% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
| > 3 Years to & of 5 Years | 7.00% | 6.50% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
| 1111 Days | 7.75% | 7.25% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
| > 5 Years to & of 10 Years | 7.10% | 6.60% | +50 bps | ₹100 – ₹3 Cr | 23 Jul 2026 |
Other fixed deposits at Dhanlaxmi Bank
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: Dhanlaxmi Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 12 to 13 Months | 7.50% | 7.00% | +50 bps | ₹1 Cr – ₹3 Cr | 4 Oct 2025 |
Tax-saver fixed deposit
Source: Dhanlaxmi Bank tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
Opening a fixed deposit with Dhanlaxmi Bank
Dhanlaxmi Bank publishes 16 separate terms for senior citizens, starting from ₹100. The highest is 7.75% at 1111 Days.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 14 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside Dhanlaxmi Bank, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by Dhanlaxmi Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.