Ratnakar Bank Regular fixed deposit Scheme are for those who have fixed income but looking for easy investment & attractive returns.
Customers can apply for this scheme via online and via visiting bank branch.
Investment period – 7 days minimum & 10 years Maximum.
Nomination facility available.
Partial/pre mature withdrawal at any time.
Overdraft facility available.
.50% Extra Interest for Senior Citizens
Interest Rates for Regular & Senior Citizens are as follows:
| Period of Deposit | Interest Rates Regular | Interest Rates For Senior Citizen |
| 7 – 14 Days | 5.00 | 5.50 |
| 14 – 45 Days | 5.25 | 5.75 |
| 46 – 90 Days | 6.75 | 7.25 |
| 91 – 180 Days | 7.00 | 7.50 |
| 181 – 240 Days | 6.85 | 7.35 |
| 241 – 364 Days | 6.85 | 7.35 |
| 1 – 2 Years | 7.10 | 7.60 |
| 2 – 3 Years | 7.20 | 7.70 |
| 3 – 5 Years | 7.10 | 7.60 |
| 5 – 10 Years | 7.10 | 7.60 |
| Above 10 Years | 7.10 | 7.60 |
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