Ananda Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Ananda Co-op Bank's best Fixed Deposit rate is 8.25% (Above 2 Year to 3 Year), 0.25 points below the best on the market (8.50%).
- Seniors: up to 8.75% (Above 2 Year to 3 Year), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
From 30 days to 90 days |
4.50% | 5.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 91 days to 180 days |
5.50% | 6.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 181 days to 365 days |
6.75% | 7.25% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 1 Year to 2 Year |
7.75% | 8.25% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 2 Year to 3 Year |
8.25% | 8.75% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
3 Years and Above |
7.75% | 8.25% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Ananda Co-op Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.75% | ~3 years7.75% | ~5 years7.75% | ~10 years7.75% |
|---|---|---|---|---|
| ₹50,000 | ₹53,461₹281/mo | ₹62,947₹323/mo | ₹73,392₹323/mo | ₹1,07,728₹323/mo |
| ₹1 lakh | ₹1,06,923₹563/mo | ₹1,25,895₹646/mo | ₹1,46,784₹646/mo | ₹2,15,456₹646/mo |
| ₹2 lakh | ₹2,13,846₹1,125/mo | ₹2,51,790₹1,292/mo | ₹2,93,569₹1,292/mo | ₹4,30,913₹1,292/mo |
| ₹5 lakh | ₹5,34,614₹2,813/mo | ₹6,29,474₹3,229/mo | ₹7,33,921₹3,229/mo | ₹10,77,281₹3,229/mo |
| ₹10 lakh | ₹10,69,228₹5,625/mo | ₹12,58,948₹6,458/mo | ₹14,67,843₹6,458/mo | ₹21,54,563₹6,458/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.
Ananda Co-op Bank Fixed Deposit rate changes
Changes to Ananda Co-op 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 Ananda Co-op Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Ananda Co-op Bank with similar banks
Nearby banks paying a little more at 1 year
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Best FD rates among urban co-operative banks → Best FD rates in Karnataka →
Ananda Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Ananda Co-op Bank Fixed Deposit interest rate?
As of 22 Oct 2026, Ananda Co-operative Bank Ltd. offers up to 8.25% p.a. on its fixed deposit (FD) (Above 2 Year to 3 Year) for general customers and 8.75% p.a. (Above 2 Year to 3 Year) for senior citizens. Rates below are as published by the bank — confirm with Ananda Co-op Bank before investing.
What is the Ananda Co-op Bank 1-year FD interest rate?
As of 22 Oct 2026, Ananda Co-operative Bank Ltd. offers 6.75% p.a. on a 1-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Ananda Co-op Bank 2-year FD interest rate?
As of 22 Oct 2026, Ananda Co-operative Bank Ltd. offers 7.75% p.a. on a 2-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Ananda Co-op Bank 3-year FD interest rate?
As of 22 Oct 2026, Ananda Co-operative Bank Ltd. offers 7.75% p.a. on a 3-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Ananda Co-op Bank 5-year FD interest rate?
As of 22 Oct 2026, Ananda Co-operative Bank Ltd. offers 7.75% p.a. on a 5-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Ananda Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Ananda Co-operative Bank Ltd., depending on the tenure.
When did Ananda Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Ananda Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Ananda Co-op Bank offer?
Ananda Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “From 30 days to 90 days” to “3 Years and Above”.
Does Ananda Co-op Bank pay more than the Post Office Time Deposit?
Ananda Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 3 of 4 standard tenures compared (general rates). Rates: 1y 6.75% (PO 6.90%), 2y 7.75% (PO 7.00%), 3y 7.75% (PO 7.10%), 5y 7.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Ananda Co-op Bank's 1-year FD rate rank?
Ananda Co-operative Bank Ltd.'s 1-year general FD rate of 6.75% ranks #140 of 353 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Ananda Co-op Bank insured?
Deposits with Ananda Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Ananda Co-op Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 22 Oct 2026. Rates can change without notice, so verify on the official Ananda Co-op Bank website before investing.
More Ananda Co-op Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with Ananda 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.
- Ananda Co-op 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 Ananda Co-op Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Ananda Co-op 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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