Rates verified from official source

The Bharat Co-operative Bank (Mumbai) Ltd. Fixed Deposit interest rates · October 2026

Bharat Co-op Bank (Mumbai)'s best Fixed Deposit rate is 7.00% (Above 15 months to 2 years), 2.00 points below the best on the market (9.00%).

  • Seniors: up to 7.50% (Above 15 months to 2 years), 0.50 points above the general rate for that tenure.
Deposit amount

Showing 12 of 53 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 Days upto 29 Days
Below ₹1 crore
 4.00% 4.00% Below ₹1 crore
29 Sept 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
29 days
Flexi Fixed Deposit Current Account (FFDCA)
 4.00% — Below ₹1 crore
29 Sept 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
30 Days upto 60 Days
Below ₹1 crore
 4.00% 4.00% Below ₹1 crore
29 Sept 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
61 Days upto 90 Days
Below ₹1 crore
 4.25% 4.25% Below ₹1 crore
29 Sept 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
90 days
Flexi Fixed Deposit Saving Account (FFDSB)
 4.25% — Below ₹1 crore
29 Sept 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
91 Days upto 180 Days
Below ₹1 crore
 5.50% 5.50% Below ₹1 crore
29 Sept 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
181 Days to less than 1 year
Below ₹1 crore
 6.00% 6.00% Below ₹1 crore
29 Sept 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
1 year to 15 months
Below ₹1 crore
 6.90% 7.40% Below ₹1 crore
29 Sept 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
Above 15 months to 2 years
Below ₹1 crore
 7.00% 7.50% Below ₹1 crore
29 Sept 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 2 years to 3 years
Below ₹1 crore
 6.85% 7.35% Below ₹1 crore
29 Sept 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 3 years to 5 years
Below ₹1 crore
 6.60% 7.10% Below ₹1 crore
29 Sept 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 5 years
Below ₹1 crore
 6.75% 7.25% Below ₹1 crore
29 Sept 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026

Bharat Co-op Bank (Mumbai) FD returns at a glance based on investment amount

Deposit~1 year6.90%~3 years6.85%~5 years6.75%~10 years6.75%
₹50,000₹53,540₹288/mo₹61,300₹285/mo₹69,875₹281/mo₹97,650₹281/mo
₹1 lakh₹1,07,081₹575/mo₹1,22,600₹571/mo₹1,39,750₹563/mo₹1,95,300₹563/mo
₹2 lakh₹2,14,161₹1,150/mo₹2,45,201₹1,142/mo₹2,77,445₹1,100/mo₹3,90,601₹1,125/mo
₹5 lakh₹5,35,403₹2,875/mo₹6,13,002₹2,854/mo₹6,93,614₹2,750/mo₹9,76,501₹2,813/mo
₹10 lakh₹10,70,806₹5,750/mo₹12,26,004₹5,708/mo₹13,87,227₹5,500/mo₹19,53,003₹5,625/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 Bharat Co-op Bank (Mumbai) 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 Bharat Co-op Bank (Mumbai) has a rate for it. Bank D stays visible so you can add a fourth comparison.

Bharat Co-op Bank (Mumbai)

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Chart shows the Below ₹1 crore rates; other deposit amounts are in the table above.

General rate by tenure (% p.a.)

4%5%6%7% 7d29d1m2m3m3m6m1y457d731d1096d1826d 4.004.004.004.254.255.506.006.907.006.856.606.75 General Post Office TD Special scheme

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.)

4%5%6%7% 7d1m2m3m6m1y457d731d1096d1826d 4.004.004.255.506.007.407.507.357.107.25 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% 7d1m2m3m6m1y457d731d1096d1826d 4.004.004.255.506.007.407.507.357.107.25 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.

Higher 1 year Fixed Deposit rates than Bharat Co-op Bank (Mumbai)

20 banks serving Maharashtra pay more. Top picks:

Co-operative Highest Sangli DCCB 8.25% +1.35% vs Bharat Co-op Bank (Mumbai) Small Finance Suryoday 7.25% +0.35% vs Bharat Co-op Bank (Mumbai) Private RBL 7.05% +0.15% vs Bharat Co-op Bank (Mumbai)

See every higher rate in Maharashtra →

Bharat Co-op Bank (Mumbai) Fixed Deposit rate changes

Changes to Bharat Co-op Bank (Mumbai)'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 Bharat Co-op Bank (Mumbai)'s fixed deposit (FD) rates has been recorded since tracking started on 10 Oct 2026.

Compare Bharat Co-op Bank (Mumbai) with similar banks

Nearby banks paying a little more at 1 year

Greater Bank 7.00%Akola Urban Bank 7.00%Cosmos Bank 7.00%

Banks with a similar rate at 1 year

NNSB 7.00%Kalupur Bank 6.75%KAIJS Bank 7.10%

Best FD rates among urban co-operative banks → Best FD rates in Maharashtra →

Bharat Co-op Bank (Mumbai) Fixed Deposit: frequently asked questions

What is the highest Bharat Co-op Bank (Mumbai) Fixed Deposit interest rate?

As of 18 Oct 2026, The Bharat Co-operative Bank (Mumbai) Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (Above 15 months to 2 years) for general customers and 7.50% p.a. (Above 15 months to 2 years) for senior citizens. Rates below are as published by the bank — confirm with Bharat Co-op Bank (Mumbai) before investing.

See today's top interest rates →

What is the Bharat Co-op Bank (Mumbai) 1-year FD interest rate?

As of 18 Oct 2026, The Bharat Co-operative Bank (Mumbai) Ltd. offers 6.90% p.a. on a 1-year FD for general customers and 7.40% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Sept 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

What is the Bharat Co-op Bank (Mumbai) 2-year FD interest rate?

As of 18 Oct 2026, The Bharat Co-operative Bank (Mumbai) Ltd. offers 7.00% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Sept 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the Bharat Co-op Bank (Mumbai) 3-year FD interest rate?

As of 18 Oct 2026, The Bharat Co-operative Bank (Mumbai) Ltd. offers 6.85% p.a. on a 3-year FD for general customers and 7.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Sept 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the Bharat Co-op Bank (Mumbai) 5-year FD interest rate?

As of 18 Oct 2026, The Bharat Co-operative Bank (Mumbai) Ltd. offers 6.60% p.a. on a 5-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Sept 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at Bharat Co-op Bank (Mumbai)?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Bharat Co-operative Bank (Mumbai) Ltd., depending on the tenure.

See today's top senior citizen rates →

When did Bharat Co-op Bank (Mumbai) last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Bharat Co-operative Bank (Mumbai) Ltd.'s fixed deposit (FD) rates since it started tracking them on 10 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Bharat Co-op Bank (Mumbai) offer?

The Bharat Co-operative Bank (Mumbai) Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 Days upto 29 Days” to “Above 5 years”.

Does Bharat Co-op Bank (Mumbai) have special fixed deposit (FD) schemes?

The Bharat Co-operative Bank (Mumbai) Ltd.'s rate table lists these named schemes (3): Flexi Fixed Deposit Current Account (FFDCA); Flexi Fixed Deposit Saving Account (FFDSB); Bharat Deposit Tax Benefit Scheme. Check eligibility and end dates with the bank.

Does Bharat Co-op Bank (Mumbai) pay more than the Post Office Time Deposit?

The Bharat Co-operative Bank (Mumbai) Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.90% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 6.85% (PO 7.10%), 5y 6.60% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does Bharat Co-op Bank (Mumbai)'s 1-year FD rate rank?

The Bharat Co-operative Bank (Mumbai) Ltd.'s 1-year general FD rate of 6.90% ranks #85 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 Bharat Co-op Bank (Mumbai) insured?

Deposits with The Bharat Co-operative Bank (Mumbai) Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Bharat Co-op Bank (Mumbai) rates?

RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 29 Sept 2026. Rates can change without notice, so verify on the official Bharat Co-op Bank (Mumbai) website before investing.

Rate movements →

More Bharat Co-op Bank (Mumbai) rates

Bharat Co-op Bank (Mumbai) overviewBharat Co-op Bank (Mumbai) NRE FD rates

Fixed Deposit rates at other banks

Bapunagar Mahila Bank Fixed Deposit ratesSangli DCCB Fixed Deposit ratesSuryoday Fixed Deposit ratesChitradurga DCC Fixed Deposit ratesKCDCCB Fixed Deposit ratesUtkarsh Fixed Deposit ratesSrikakulam DCCB Fixed Deposit ratesWarangal DCCB Fixed Deposit ratesJSKB Dewas Fixed Deposit ratesJSKB Jhabua Fixed Deposit ratesBest Fixed Deposit rates across all banks

Good to know

  • Deposits with The Bharat Co-operative Bank (Mumbai) 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.
  • Bharat Co-op Bank (Mumbai) 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 Bharat Co-op Bank (Mumbai), depending on the tenure.
  • Bharat Co-op Bank (Mumbai)'s FD table includes 3 special schemes; check eligibility and end dates.
official Effective 29 Sept 2026 · Ingested 18 Oct 2026 · Verified 18 Oct 2026 · View source

Informational only — always confirm the current rate on the official Bharat Co-op Bank (Mumbai) 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.