Skip to Main Content
  • 1800-000-0729
  • Contact us
  • Find branch
  • SearchSearch
  • English
    • English
    • हिन्दी
    • தமிழ்
RayBank

  • Accounts

    • Savings AccountZero-balance & premium variants
    • Current AccountFor shops, firms & startups
    • Salary Account

    Deposits

    • Fixed DepositUp to 7.40% p.a.
    • Recurring DepositFrom ₹500 a month
    • Senior Citizen FD

    Tools

    • Interest rates
    • Open account online
    • Branch & ATM locator
    New

    Need money, not paperwork?

    Loan Buddy fills your application as you chat.

    Apply with Loan Buddy

  • Cards

    • Credit CardsEveryday, travel, premium
    • Debit Cards
    • Block / manage card

    Payments

    • UPIPay & collect in seconds
    • NEFT / RTGS / IMPS
    • Bill payments

    Offers

    • Festive cashback
    • Travel rewards

  • Loan types

    • Personal LoanFrom 10.49% p.a.
    • Home LoanFrom 8.35% p.a.
    • Car LoanFrom 8.90% p.a.

    More loans

    • Education LoanFrom 9.25% p.a.
    • Business LoanFrom 11.25% p.a.
    • EMI calculator

    Help & policy

    • Ask about loan policy
    • Documents & charges
    Loan Buddy

    Chat. Done.

    Answer a few questions in plain language, in English or हिन्दी, and Loan Buddy fills the form for you.

    Start chatting

  • Invest

    • Mutual fundsSIP from ₹500
    • PPFTax-free, 15-year

    Insure

    • Life insurance
    • Health & motor

  • NRI

    • NRE / NRO accounts
    • Remit to India
    • Home loan for NRIs

  • Digital

    • Net Banking
    • RayBank Mobile App

    Service

    • Interest rates
    • Branch & ATM locator
    • Help & Support
    • Learn
    • Calculators
Sign in
RayBank
Banking that moves at your pace.

Savings, cards, UPI and loans, with real people behind every application.

  • 7.40%Fixed Deposit returns, up to p.a.
  • ₹0charges on UPI and everyday payments
  • 10.49%Personal loans, starting from p.a.
Open an accountSee our rates

A loan officer reviews every application. RayBank is a fictional bank created for demonstration purposes.

RayBank

Your trust, the way ahead.

Xinf▶

Banking

  • Savings & Current
  • Fixed & Recurring Deposits
  • Credit & Debit Cards
  • UPI & Payments
  • NRI Banking

Loans

  • Personal Loan
  • Home Loan
  • Car Loan
  • Education Loan
  • Business Loan
  • Loan Buddy

Invest & Insure

  • Mutual Funds
  • PPF
  • Insurance
  • Interest rates

Support

  • Help centre
  • Branch & ATM locator
  • Security tips
  • About RayBank
  • Learn
  • Calculators
  • Offers
  • My account (demo)
  • Staff sign-in

RayBank is a fictional bank created for demonstration purposes.

Sample regulatory-style notes (placeholder text): deposits up to ₹5,00,000 per depositor are insured by the (fictional) Deposit Safety Corporation. Loans are subject to credit appraisal and the Bank's discretion. Interest rates and charges shown are illustrative. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Loan Buddy is an AI assistant and may make mistakes; final decisions rest with RayBank's credit team.

© 2026 RayBank (fictional). All rights reserved.Privacy · Terms · Security tips · Accessibility