How much do you want to Invest?
When would you like to receive the Interest
Duration : 6M
Maturity Date:
Find the best
interest rates & duration
Interest Rate
2%
Maturity Amount
₹0.00
Total Interest
₹0.00
Disclaimer: The calculator provides estimated returns; actual figures will be as per RBI guideline. Final calculations will be available at the branch.
Key Features
Flexible Daily Deposits
Deposit as little as ₹20 per day to start building your savings.
No Lock-In Period
Enjoy the flexibility to withdraw anytime without restrictions.
Premature Withdrawal
Access your funds whenever needed, though penal interest will apply.
Eligibility Criteria
- Open to any Indian resident looking for a convenient savings option.
Documents
- You can contact any of our Kansanchay Agent to get help on the documents needed to open a Kansanchay Account
Interest Rate On Deposit: Retail Deposits (Revision w.e.f. 29th June 2026)
| PERIOD | GEN.PUBLIC, REGD.CO.OP SOCIETIES/ REGD.CO.OP HSG.SOCIETIES/ REGD TRUST/ NON SCHEDULED CO OP BANK | SENIOR CITIZENS |
|---|---|---|
| Up to 14 days | Nil | Nil |
| 15 to 45 days | 2.50% | 2.50% |
| 46 to 90 days | 4.00% | 4.00% |
| 91 days to 180 days | 5.00% | 5.00% |
| 181 days to 300 days | 6.00% | 6.00% |
| 301 days to upto 1 year | 6.50% | 6.50% |
| Above 1 year to 15 M | 6.60% | 6.95% |
| Above 15 M to 2 Y | 6.75% | 7.10% |
| Above 2 years to 3 years | 6.90% | 7.25% |
| Above 3 years to 5 years | 6.65% | 7.00% |
| Above 5 years to 10 years | 6.40% | 6.75% |
| Shubhamkar Deposit (Tax Saving) Max.Upto- Rs.1.50 Lakh Per F.Y. 60 Months | 6.25% (Quarterly Cumu.& Payout) | 6.60% (Quarterly Cumu. & Payout) |
Interest Rate On Deposit: Bulk Deposits (Revision w.e.f. 29th July 2026)
| PERIOD | Bulk Deposits (Rs. 1cr and above) | |
|---|---|---|
| GEN.PUBLIC, REGD.CO.OP SOCIETIES/ REGD.CO.OP HSG.SOCIETIES/ REGD TRUST/ NON SCHEDULED CO OP BANK | SENIOR CITIZENS | |
| Up to 14 days | Nil | Nil |
| 15 to 45 days | 2.50% | 2.50% |
| 46 to 90 days | 4.00% | 4.00% |
| 91 days to 180 days | 5.00% | 5.00% |
| 181 days to 300 days | 6.00% | 6.00% |
| 301 days to upto 1 year | 6.50% | 6.50% |
| Above 1 year to 15 M | 6.60% | 6.95% |
| Above 15 M to 2 Y | 7.25% | 7.25% |
| Above 2 years to 3 years | 7.25% | 7.25% |
| Above 3 years to 5 years | 6.65% | 7.00% |
| Above 5 years to 10 years | 6.40% | 6.75% |
As per above revise rate, DNS CIP RD rates are revised as below effective from 29.06.2026 (i.e. 0.25% above regular card rates for above 1 year slabs)
| Period | General Public | Senior Citizen | ||
|---|---|---|---|---|
| Card Rate | CIP(+0.25%) | Card Rate | CIP(+0.25%) | |
| Above 1 Year to 15 Months | 6.60% | 6.85% | 6.95% | 7.20% |
| Above 15 Month to 2 Year | 6.75% | 7.00% | 7.10% | 7.35% |
| Above 2 Years to 3 Years | 6.90% | 7.15% | 7.25% | 7.50% |
| Above 3 Years to 5 Years | 6.65% | 6.90% | 7.00% | 7.25% |
| Above 5 Years to 10 Years | 6.40% | 6.65% | 6.75% | 7.00% |
Frequently Asked Questions
The minimum deposit for the Kansanchay Deposit Scheme is ₹20 per day. You can easily start building your savings with small, manageable daily contributions.
Yes, the Kansanchay Deposit Scheme offers flexibility for premature withdrawals. However, please note that penal interest will apply if you choose to withdraw before the agreed period.
No, there is no tax deduction at source (T.D.S.) for this scheme, making it more convenient for you to save without worrying about deductions.
Yes, you are eligible for a loan of up to ₹10,000 under our easy loan scheme. This loan can be availed against the amount deposited in your account.
To open a Kansanchay Deposit account, visit a designated agent and start your savings journey. The agent will help you with the process and guide you through the required documentation.
DNSB Resources
Bring a financial independence in your life
Call Us
For assistance, contact us
on 1800-233-1700 / 8655785534
Write to Us
Got a query or grievance? Write to us enquiry@dns.bank.in
