Capital Gains Savings Account

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A special account to securely park your capital gains and reinvest within prescribed timelines as per Income Tax Act.

Earn up to

6.00* % p.a.

Savings Account

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7.20* % p.a.

Fixed Deposits

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*T&C Apply

Check the interest rate for Capital Gain Savings account

Key Benefits

No Minimum Balance

Maintain your account with zero balance constraints.

Zero Banking Charges

Enjoy a wide range of banking services without any fees.

Easy Documentation & Withdrawal

Simple documentation and structured withdrawal process through prescribed Forms.

Wide Branch Availability

Available at all designated Metro, Urban and Semi-Urban RBL Bank Branches across India.

Click Here for Terms & Conditions.

Click Here for Fees & Charges.

No debit card / cheque book / ATM facilities.

Withdrawals permitted only as per CGAS rules.

FAQs

What types of accounts are available under CGAS?

You can open Savings Account (Type A) and / or Term Deposit (Type B). Type A is Mandatory.

Can I open a Current Account under CGAS?

No. Only Savings (Type A) and Term Deposit (Type B) accounts are permitted.

What is the tenure of the Deposits?

The Tenure can be Up to 2 years for property purchase & Up to 3 years for construction.

Are premature closures allowed?

Yes premature closures are allowed, subject to CGAS rules and RBL Bank’s FD policy, with applicable penalties.

Can multiple CGAS accounts be opened?

Yes, multiple CGAS accounts can be opened for different Capital Gains under different sections.

Is the Interest taxable?

Yes, the interest earned is taxable as per Income Tax Act provisions.

Do Senior or Super Senior Citizens receive any extra interest?

No, there is no additional interest offered to Senior or Super Senior Citizens.

RBI Notifications

Service Charges

Interest Calculation for Savings Account

Link Your RBL Bank Account to Aadhaar

Aadhaar Enrolment and Updation at RBL Bank Branches

Note:

Capital Gains Fixed Deposit can be opened as per regulatory/Statutory guidelines updated time to time.
The interest rate applicable to Capital Gains Deposits is the same as the prevailing rate offered on regular Term/ Fixed Deposits. However, additional interest benefits available to Senior Citizens, Super Senior Citizens, and Staff members are not applicable to Capital Gains Deposits.
Interest under the Capital Gain Fixed Deposit shall be paid either quarterly or on maturity, as per the customer's instructions at the time of booking.
Senior Citizen customers will not be eligible for a waiver of premature withdrawal penalties under Capital Gain Fixed Deposit. Upon premature closure of the deposit, the applicable interest rate and penalty, if any, shall be applied in accordance with the Bank's extant policy.
For more details of Terms n conditions and FD interest calculation please refer our FD terms and condition click here

***Savings Account Interest Rates

Daily balance	Rate of Interest (per annum)	Effective Annualised Yield
	Effective from June 18, 2026
Upto INR 5 lakh	3.00%	3.04%
Above INR 5 lakh upto INR 10 lakh	5.00%	5.12%
Above INR 10 lakh upto INR 7.5 Crore	6.00%	6.17%
Above INR 7.5 Crore	5.50%	5.64%

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Note:

Starting May 01, 2025, interest in Savings Bank Accounts is paid monthly instead of quarterly. The interest is calculated daily and is credited to customers’ accounts on the last day of each month.
The Bank calculates Savings Interest based on the actual number of days in a year. If your savings span both a leap year and a non-leap year, the interest is calculated accordingly: 366 days for a leap year and 365 days for a non-leap year.
The Savings Account interest rate is calculated using a progressive slab method and paid to customers based on the applicable interest rate.

To understand the interest calculation with an example click here.