Gujarat Ambuja Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Gujarat Ambuja Bank's best Fixed Deposit rate is 6.75% (500 Days), 2.25 points below the best on the market (9.00%).
- Seniors: up to 7.25% (500 Days), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 30 Days |
3.50% | — | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
31 Days to 90 Days |
4.25% | — | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
4.75% | — | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to 12 Months |
5.50% | — | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
13 Months to 15 Months |
6.50% | 7.00% | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
16 Months to 24 Months |
6.50% | 7.00% | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
500 Days 500-day Special |
6.75% | 7.25% | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
25 Months to 36 Months |
6.50% | 7.00% | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
37 Months to 39 Months |
6.25% | 6.75% | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
40 Months and upto 7 years |
5.75% | 6.25% | Any amount | 1 Jul 2022 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Gujarat Ambuja Bank FD returns at a glance based on investment amount
| Deposit | ~1 year5.50% | ~3 years6.50% | ~5 years5.75% |
|---|---|---|---|
| ₹50,000 | ₹52,807₹229/mo | ₹60,670₹271/mo | ₹66,518₹240/mo |
| ₹1 lakh | ₹1,05,614₹458/mo | ₹1,21,341₹542/mo | ₹1,33,036₹479/mo |
| ₹2 lakh | ₹2,11,229₹917/mo | ₹2,42,682₹1,083/mo | ₹2,66,073₹958/mo |
| ₹5 lakh | ₹5,28,072₹2,292/mo | ₹6,06,704₹2,708/mo | ₹6,65,182₹2,396/mo |
| ₹10 lakh | ₹10,56,145₹4,583/mo | ₹12,13,408₹5,417/mo | ₹13,30,365₹4,792/mo |
Illustrative · quarterly compounding · rates as of 22 Oct 2026. Maturity assumes cumulative FD; monthly figure is simple interest ÷ 12 (non-cumulative payout). Not a bank quote — verify on the bank's site. DICGC insures up to ₹5 lakh per depositor per bank.
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General rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Senior rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Senior rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Gujarat Ambuja Bank Fixed Deposit rate changes
Changes to Gujarat Ambuja Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to Gujarat Ambuja Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
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Gujarat Ambuja Bank Fixed Deposit: frequently asked questions
What is the highest Gujarat Ambuja Bank Fixed Deposit interest rate?
As of 22 Oct 2026, Gujarat Ambuja Co-operative Bank Ltd. offers up to 6.75% p.a. on its fixed deposit (FD) (500 Days) for general customers and 7.25% p.a. (500 Days) for senior citizens. Rates below are as published by the bank — confirm with Gujarat Ambuja Bank before investing.
What is the Gujarat Ambuja Bank 1-year FD interest rate?
As of 22 Oct 2026, Gujarat Ambuja Co-operative Bank Ltd. offers 5.50% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Jul 2022 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Gujarat Ambuja Bank 2-year FD interest rate?
As of 22 Oct 2026, Gujarat Ambuja Co-operative Bank Ltd. offers 6.50% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2022 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Gujarat Ambuja Bank 3-year FD interest rate?
As of 22 Oct 2026, Gujarat Ambuja Co-operative Bank Ltd. offers 6.50% p.a. on a 3-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2022 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Gujarat Ambuja Bank 5-year FD interest rate?
As of 22 Oct 2026, Gujarat Ambuja Co-operative Bank Ltd. offers 5.75% p.a. on a 5-year FD for general customers and 6.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2022 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Gujarat Ambuja Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Gujarat Ambuja Co-operative Bank Ltd., depending on the tenure.
When did Gujarat Ambuja Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Gujarat Ambuja Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Gujarat Ambuja Bank offer?
Gujarat Ambuja Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 9 tenure bands, from “7 Days to 30 Days” to “40 Months and upto 7 years”.
Does Gujarat Ambuja Bank have special fixed deposit (FD) schemes?
Gujarat Ambuja Co-operative Bank Ltd.'s rate table lists these named schemes (1): 500-day Special. Check eligibility and end dates with the bank.
Does Gujarat Ambuja Bank pay more than the Post Office Time Deposit?
Gujarat Ambuja Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.50% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.50% (PO 7.10%), 5y 5.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Gujarat Ambuja Bank's 1-year FD rate rank?
Gujarat Ambuja Co-operative Bank Ltd.'s 1-year general FD rate of 5.50% ranks #303 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Gujarat Ambuja Bank insured?
Deposits with Gujarat Ambuja Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Gujarat Ambuja Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Jul 2022. Rates can change without notice, so verify on the official Gujarat Ambuja Bank website before investing.
More Gujarat Ambuja Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with Gujarat Ambuja Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Gujarat Ambuja Bank is an urban co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Gujarat Ambuja Bank, depending on the tenure.
- Gujarat Ambuja Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Gujarat Ambuja Bank website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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