Rates verified from official source

Apna Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026

Apna Bank's best Fixed Deposit rate is 6.90% (25 Months to 36 Months), 1.60 points below the best on the market (8.50%).

  • Seniors: up to 7.55% (60 Months to 10 Years), 1.00 points above the general rate for that tenure.
TenureGeneralSeniorApplies toEffective OnSource
7 Days to 14 Days
3.55% 4.05% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
15 Days to 29 Days
3.55% 4.05% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
30 Days to 45 Days
3.55% 4.05% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
46 Days to 90 Days
5.40% 5.90% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
91 Days to 180 Days
5.40% 5.90% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
181 Days to 364 Days
6.40% 6.90% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
365 Days
6.70% 7.20% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
366 Days to 398 Days
6.70% 7.20% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
399 Days to 2 Year
6.70% 7.20% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
25 Months to 36 Months
6.90% 7.40% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
37 Months to 60 Months
6.80% 7.30% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
60 Months to 10 Years
6.55% 7.55% Any amount
27 Aug 2025
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026

Apna Bank FD returns at a glance based on investment amount

Deposit~1 year6.70%~3 years6.90%~5 years6.80%~10 years6.55%
₹50,000₹53,435₹279/mo₹61,391₹288/mo₹70,047₹283/mo₹95,748₹273/mo
₹1 lakh₹1,06,870₹558/mo₹1,22,781₹575/mo₹1,40,094₹567/mo₹1,91,496₹546/mo
₹2 lakh₹2,13,740₹1,117/mo₹2,45,563₹1,150/mo₹2,80,188₹1,133/mo₹3,82,991₹1,092/mo
₹5 lakh₹5,34,351₹2,792/mo₹6,13,907₹2,875/mo₹7,00,469₹2,833/mo₹9,57,478₹2,729/mo
₹10 lakh₹10,68,702₹5,583/mo₹12,27,813₹5,750/mo₹14,00,938₹5,667/mo₹19,14,957₹5,458/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 Apna 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 Apna Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.

Apna Bank

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General rate by tenure (% p.a.)

3%4%5%6%7% 7d15d1m2m3m6m1y366d399d760d1125d1826d 3.553.553.555.405.406.406.706.706.706.906.806.55 General Post Office TD

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.)

3%4%5%6%7%8% 7d15d1m2m3m6m1y366d399d760d1125d1826d 4.054.054.055.905.906.907.207.207.207.407.307.55 Senior General Post Office TD

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.)

4%5%6%7%8% 7d15d1m2m3m6m1y366d399d760d1125d1826d 4.054.054.055.905.906.907.207.207.207.407.307.55 Senior Senior Post Office TD

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.

Apna Bank Fixed Deposit rate changes

Changes to Apna 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 Apna Bank's fixed deposit (FD) rates has been recorded since tracking started on 10 Oct 2026.

Apna Bank Fixed Deposit: frequently asked questions

What is the highest Apna Bank Fixed Deposit interest rate?

As of 18 Oct 2026, Apna Sahakari Bank Ltd. offers up to 6.90% p.a. on its fixed deposit (FD) (25 Months to 36 Months) for general customers and 7.55% p.a. (60 Months to 10 Years) for senior citizens. Rates below are as published by the bank — confirm with Apna Bank before investing.

See today's top interest rates →

What is the Apna Bank 1-year FD interest rate?

As of 18 Oct 2026, Apna Sahakari Bank Ltd. offers 6.70% p.a. on a 1-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 27 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.

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What is the Apna Bank 2-year FD interest rate?

As of 18 Oct 2026, Apna Sahakari Bank Ltd. offers 6.70% p.a. on a 2-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 27 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.

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What is the Apna Bank 3-year FD interest rate?

As of 18 Oct 2026, Apna Sahakari Bank Ltd. offers 6.90% p.a. on a 3-year FD for general customers and 7.40% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 27 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.

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What is the Apna Bank 5-year FD interest rate?

As of 18 Oct 2026, Apna Sahakari Bank Ltd. offers 6.80% p.a. on a 5-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 27 Aug 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.

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Do senior citizens get higher Fixed Deposit rates at Apna Bank?

Yes. Senior citizens (60+) earn up to 1.00% p.a. more than general customers at Apna Sahakari Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did Apna Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to Apna Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 10 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Apna Bank offer?

Apna Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 12 tenure bands, from “7 Days to 14 Days” to “60 Months to 10 Years”.

Does Apna Bank pay more than the Post Office Time Deposit?

Apna Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.70% (PO 6.90%), 2y 6.70% (PO 7.00%), 3y 6.90% (PO 7.10%), 5y 6.80% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does Apna Bank's 1-year FD rate rank?

Apna Sahakari Bank Ltd.'s 1-year general FD rate of 6.70% ranks #126 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with Apna Bank insured?

Deposits with Apna Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Apna Bank rates?

RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 27 Aug 2025. Rates can change without notice, so verify on the official Apna Bank website before investing.

Rate movements →

Good to know

  • Deposits with Apna Sahakari 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.
  • Apna 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 1.00% p.a. more than general customers at Apna Bank, depending on the tenure.

Informational only — always confirm the current rate on the official Apna 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.