Rajasthan Gramin Bank FD Interest Rates 2026 

Rajasthan Gramin Bank (RGB) offers simple, secure, and high-value Fixed Deposit (FD) options designed to help individuals safely grow their lump-sum savings with guaranteed returns. Backed by the reliability of a Regional Rural Bank (RRB), RGB FDs provide flexibility, steady interest income, and liquidity when you need it. Whether you’re investing for the short term or planning long-term financial security, RGB FDs cater to both regular investors and senior citizens. Continue reading to explore the latest Rajasthan Grameen Bank FD rates, features, benefits, and more.

Rajasthan Gramin Bank FD Rates for General & Senior Citizens

Rajasthan Gramin Bank offers attractive fixed deposit interest rates to suit the needs of both general and senior citizen investors. Below are the latest FD rates:

Rajasthan Gramin Bank (RGB) offers competitive fixed deposit interest rates across a wide range of tenures like 7 to 45 days, the bank offers 3.00% p.a. for both general and senior citizens, 46 to 179 days, the rate increases to 4.50% p.a., providing better returns for temporary surplus funds.

Fixed deposits for 180 days to under 1 year, RGB offers 6.05% p.a, 1-year FD offers 6.60% p.a. for general customers and 7.10% p.a. for senior citizens, giving retirees a valuable interest-rate boost.

Deposits ranging from more than 1 year up to 10 years earn 6.50% p.a. for general citizens and 7.00% p.a. for senior citizens. These rates remain consistent across tenures such as 1–3 years, 3–5 years, and 5–10 years ensuring steady returns for long-term financial planning.

Term-Wise Rajasthan Gramin Bank FD Rates

Rajasthan Gramin Bank offers a wide selection of FD tenures from as short as 7-day deposits to long-term 10-year options. Here’s a detailed breakdown:

Short-term FDs: Short-term FDs are ideal for investors who need high liquidity and a safe place to park surplus funds for a brief period. Deposits between 7 to 45 days earn an interest rate of 3.00% p.a., making them suitable for very short-term needs where capital safety is the main priority. For 46 to 179 days, the interest rate increases to 4.50% p.a., offering better returns while still maintaining flexibility. 

Medium-term FDs: Medium-term FDs strike the perfect balance between returns and liquidity, making them an excellent choice for building stable savings. Deposits ranging from 180 days to less than 1 year earn 6.05% p.a, 1-year fd offers 6.60% p.a. for the general public and 7.10% for senior citizens and for 1 year to 3 years bracket offers 6.50% p.a. (and 7.00% for senior citizens), enabling investors to grow their corpus safely and predictably. 

Long-term FDs: Long-term FDs are ideal for investors looking to build wealth steadily without taking on market risk. Rajasthan Gramin Bank for tenures ranging from 3 to 10 years offer 6.50% p.a to the general public and 7.00% p.a.to senior citizens making these long-term deposits particularly attractive for retirement planning. 

Benefits of Rajasthan Gramin Bank Fixed Deposits

Rajasthan Gramin Bank FDs come with customer-friendly features that enhance convenience, safety, and accessibility:

Guaranteed Returns: Earn assured interest irrespective of market fluctuations.

Flexible Payout Options: Choose quarterly or longer interest payout intervals based on your income needs.

Liquidity with Premature Withdrawal: Withdraw early if required, subject to bank rules.

Loan Facility up to 90% of FD Value: Get loans/overdrafts against your FD without breaking it perfect for emergencies.

Nomination Facility Available: Ensures smooth transfer of funds to your nominee.

No Maximum Deposit Limit: Ideal for both small and large investors.

Auto-Renewal Option: In the absence of maturity instructions, the FD automatically renews for your convenience.

Eligibility to Avail RGB Fixed Deposit Rates

The following individuals can open an FD with Rajasthan Gramin Bank:

• Resident individuals (single or joint)
• Minors (with guardian)
• HUFs
• Small businesses and institutions as per bank guidelines

A duly filled application form and valid KYC documents are required. 

Premature Withdrawal of Rajasthan Gramin Bank FD

RGB allows premature withdrawal on its FDs, offering flexibility during financial emergencies. Withdrawals made before maturity earn interest at a reduced rate as per bank policy. Withdrawals of tax-saving FDs (if introduced under any specific scheme) follow the mandatory lock-in guidelines.

Tax on Rajasthan Gramin Bank Fixed Deposits

Interest on rajasthan gramin bank fixed deposits earned is fully taxable under the Income Tax Act. TDS is deducted at the prevailing rate if Form 15G/15H is not submitted. TDS applies when the annual interest crosses the permitted threshold.

For small depositors and senior citizens, submitting Form 15G/15H can help avoid unnecessary TDS deductions.

RGB Overdraft Against Fixed Deposits

Rajasthan Gramin Bank offers a loan or overdraft up to 90% of the FD amount, ensuring easy liquidity while your deposit continues to earn interest. This is beneficial for emergency medical needs, cash flow requirements and short-term expenses without breaking the FD.

RGB FD Calculator

A Rajasthan Gramin Bank FD Calculator helps you estimate the maturity amount and total interest you will earn on your fixed deposit based on the deposit amount, tenure, and applicable interest rate. The fixed deposit calculator uses the formula mentioned below-

Formula: A = P (1 + r/n)ⁿᵗ

Where:

• A = Maturity amount
• P = Principal amount
• r = Annual interest rate
• n = Number of compounding periods per year
• t = Tenure in years

For Example:

If you invest ₹1,00,000 for 1 year at an interest rate of 6.60%, compounded quarterly (n = 4), the maturity amount will be:

A = 1,00,000 × (1 + 0.066/4)^(4×1)
A ≈ 1,00,000 × (1.0165)⁴
A ≈ ₹1,06,766
For senior citizens, the same deposit at 7.10% interest will grow to ₹1,07,292, earning an interest of ₹7,292. Using the FD calculator helps you compare tenures, check returns instantly, and choose the most suitable FD plan based on your financial goals.

Why Should You Book an FD with Stable Money?

Stable Money makes FD investing effortless by allowing you to compare and book deposits from different banks and NBFCs on a single platform. You get instant access to the latest FD rates, seamless online booking, and fully paperless verification, ensuring a smooth and secure investment experience. With faster processing, greater convenience, and smarter decision-making tools, Stable Money brings everything you need for hassle-free FD investing into one place.

Conclusion

Rajasthan Gramin Bank Fixed Deposits are a strong choice for conservative investors seeking safety, guaranteed interest, and flexible tenures. With competitive rates for both general and senior citizens, the option of loans against FDs, and a low minimum deposit requirement, RGB FDs provide a dependable way to grow your savings with peace of mind. Whether you want short-term liquidity, a stable income stream, or a long-term investment, Rajasthan Gramin Bank offers FD options tailored to every financial need.

Looking for a fixed deposit offering competitive interest rate? Download Stable Money app to compare FD rates across different banks and NBFCs.