Dhanlaxmi Bank की नवीनतम ब्याज दरें - September 2026

Dhanlaxmi Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Comprehensive real-time update on latest deposit rates and retail lending schemes from Dhanlaxmi Bank (DLB):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate starts at 2.50% p.a. on balances up to ₹1 Lakh, scaling to 2.75% p.a. (₹1L–₹5L), 3.25% p.a. (₹5L–₹50L), and up to 6.50% p.a. on high-tier balance brackets.
• Retail Domestic Term Deposits (FD): General 1-Year domestic term deposit rate stands at 6.25% p.a. (Senior citizens receive an additional +0.50% at 6.75% p.a.). Special buckets offer higher peak returns: 370 Days at 7.00% p.a., 666 Days at 7.10% p.a., and 1111 Days at 7.25% p.a. (7.75% p.a. for senior citizens).
• Home Loans (Dhanam Home Loan): Floating interest rates start from 7.65% p.a. linked to Dhanlaxmi Bank's Repo Linked Lending Rate (RLLR at 8.50%), featuring repayment tenures up to 30 years and zero prepayment penalties.
• Vehicle & Personal Loans: Car loan financing rates start from 7.90% p.a. (floating/promotional) up to 9.90% p.a. (fixed) for tenures up to 7 years. Dhanam Personal Loans range between 13.30% p.a. and 17.20% p.a. on a reducing balance basis based on internal credit rating tiers.
• Credit Cards: Standard retail cards (such as Dhanlaxmi Bank Platinum & Gold cards) carry revolving finance charges between 1.50% and 3.00% per month (18.00% to 36.00% APR) with an interest-free grace period of up to 50 days.

💡 Financial Recommendation: Applicants with a CIBIL credit score of 750 or higher qualify for Dhanlaxmi Bank's prime risk-spread tier over RLLR and gain access to lower processing charges on retail credit facilities.