AMCO Bank FD returns at a glance based on investment amount
Deposit
~1 year7.00%
~3 years6.50%
~5 years6.35%
₹50,000
₹53,593₹292/mo
₹60,670₹271/mo
₹68,513₹265/mo
₹1 lakh
₹1,07,186₹583/mo
₹1,21,341₹542/mo
₹1,37,027₹529/mo
₹2 lakh
₹2,14,372₹1,167/mo
₹2,42,682₹1,083/mo
₹2,74,054₹1,058/mo
₹5 lakh
₹5,35,930₹2,917/mo
₹6,06,704₹2,708/mo
₹6,85,134₹2,646/mo
₹10 lakh
₹10,71,859₹5,833/mo
₹12,13,408₹5,417/mo
₹13,70,268₹5,292/mo
Illustrative · quarterly compounding · rates as of 18 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.
Compare AMCO Bank Fixed Deposit Returns with other Top Banks
Pick up to three other banks (Post Office is pre-selected when available), an amount (or type your own) and whether you are a senior citizen. Rows are 1, 3, 5 and 10 years — a year is shown only when AMCO Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.
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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.
Changes to AMCO Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 10 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 AMCO Bank's fixed deposit (FD) rates has been recorded since tracking started on 10 Oct 2026.
AMCO Bank Fixed Deposit: frequently asked questions
What is the highest AMCO Bank Fixed Deposit interest rate?
As of 18 Oct 2026, The Ahmedabad Mercantile Co-operative Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (1 Year) for general customers and 7.50% p.a. (1 Year) for senior citizens. Rates below are as published by the bank — confirm with AMCO Bank before investing.
As of 18 Oct 2026, The Ahmedabad Mercantile Co-operative Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
As of 18 Oct 2026, The Ahmedabad Mercantile Co-operative Bank Ltd. offers 6.90% p.a. on a 2-year FD for general customers and 7.40% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
As of 18 Oct 2026, The Ahmedabad Mercantile 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 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
As of 18 Oct 2026, The Ahmedabad Mercantile Co-operative Bank Ltd. offers 6.35% p.a. on a 5-year FD for general customers and 6.85% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at AMCO Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Ahmedabad Mercantile Co-operative Bank Ltd., depending on the tenure.
When did AMCO Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Ahmedabad Mercantile Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 10 Oct 2026.
What fixed deposit (FD) tenures does AMCO Bank offer?
The Ahmedabad Mercantile Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 Days to 45 Days” to “Over 5 years to 7 Years”.
Does AMCO Bank pay different fixed deposit (FD) rates by deposit size?
Yes. The Ahmedabad Mercantile Co-operative Bank Ltd.'s table lists separate bands: Any amount; Up to ₹1.5 lakh. Each row shows the band it applies to.
Does AMCO Bank have special fixed deposit (FD) schemes?
The Ahmedabad Mercantile Co-operative Bank Ltd.'s rate table lists these named schemes (1): Tax Saver (80C). Check eligibility and end dates with the bank.
Does AMCO Bank pay more than the Post Office Time Deposit?
The Ahmedabad Mercantile Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 6.90% (PO 7.00%), 3y 6.50% (PO 7.10%), 5y 6.35% (PO 7.50%). PO is the Post Office Time Deposit rate.
The Ahmedabad Mercantile Co-operative Bank Ltd.'s 1-year general FD rate of 7.00% ranks #54 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.
Deposits with The Ahmedabad Mercantile Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these AMCO Bank rates?
RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 1 Aug 2025. Rates can change without notice, so verify on the official AMCO Bank website before investing.
Deposits with The Ahmedabad Mercantile 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.
AMCO 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 AMCO Bank, depending on the tenure.
AMCO Bank's FD table includes 1 special schemes; check eligibility and end dates.
officialEffective 1 Aug 2025 · Ingested 10 Oct 2026 · Verified 18 Oct 2026 · View source
Informational only — always confirm the current rate on theofficial AMCO Bank websitebefore 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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