The Bhuj Mercantile Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Bhuj Mercantile Bank's best Fixed Deposit rate is 8.00% (From 1096 Days to 2555 Days), 0.25 points below the best on the market (8.25%).
- Seniors: up to 8.50% (From 1096 Days to 2555 Days), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
From 07 Days to 44 Days |
3.00% | 3.00% | Any amount | 1 Apr 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 45 Days to 110 Days |
4.75% | 5.25% | Any amount | 1 Apr 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 111 Days to 364 Days |
6.50% | 7.00% | Any amount | 1 Apr 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 365 Days to 554 Days |
7.00% | 7.50% | Any amount | 1 Apr 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 555 Days to 1095 Days |
7.75% | 8.25% | Any amount | 1 Apr 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
From 1096 Days to 2555 Days |
8.00% | 8.50% | Any amount | 1 Apr 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Bhuj Mercantile Bank FD returns at a glance based on investment amount
| Deposit | ~1 year7.00% | ~3 years7.75% | ~5 years8.00% |
|---|---|---|---|
| ₹50,000 | ₹53,593₹292/mo | ₹62,947₹323/mo | ₹74,297₹333/mo |
| ₹1 lakh | ₹1,07,186₹583/mo | ₹1,25,895₹646/mo | ₹1,48,595₹667/mo |
| ₹2 lakh | ₹2,14,372₹1,167/mo | ₹2,51,790₹1,292/mo | ₹2,97,189₹1,333/mo |
| ₹5 lakh | ₹5,35,930₹2,917/mo | ₹6,29,474₹3,229/mo | ₹7,42,974₹3,333/mo |
| ₹10 lakh | ₹10,71,859₹5,833/mo | ₹12,58,948₹6,458/mo | ₹14,85,947₹6,667/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.
Bhuj Mercantile Bank Fixed Deposit rate changes
Changes to Bhuj Mercantile 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 Bhuj Mercantile Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Bhuj Mercantile 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 Gujarat →
Bhuj Mercantile Bank Fixed Deposit: frequently asked questions
What is the highest Bhuj Mercantile Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Bhuj Mercantile Co-operative Bank Ltd. offers up to 8.00% p.a. on its fixed deposit (FD) (From 1096 Days to 2555 Days) for general customers and 8.50% p.a. (From 1096 Days to 2555 Days) for senior citizens. Rates below are as published by the bank — confirm with Bhuj Mercantile Bank before investing.
What is the Bhuj Mercantile Bank 1-year FD interest rate?
As of 22 Oct 2026, The Bhuj 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 Apr 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Bhuj Mercantile Bank 2-year FD interest rate?
As of 22 Oct 2026, The Bhuj Mercantile 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 1 Apr 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Bhuj Mercantile Bank 3-year FD interest rate?
As of 22 Oct 2026, The Bhuj Mercantile 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 1 Apr 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Bhuj Mercantile Bank 5-year FD interest rate?
As of 22 Oct 2026, The Bhuj Mercantile Co-operative Bank Ltd. offers 8.00% p.a. on a 5-year FD for general customers and 8.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Apr 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Bhuj Mercantile Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Bhuj Mercantile Co-operative Bank Ltd., depending on the tenure.
When did Bhuj Mercantile Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Bhuj Mercantile Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Bhuj Mercantile Bank offer?
The Bhuj Mercantile Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “From 07 Days to 44 Days” to “From 1096 Days to 2555 Days”.
Does Bhuj Mercantile Bank pay more than the Post Office Time Deposit?
The Bhuj Mercantile Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 4 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.75% (PO 7.00%), 3y 7.75% (PO 7.10%), 5y 8.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Bhuj Mercantile Bank's 1-year FD rate rank?
The Bhuj Mercantile Co-operative Bank Ltd.'s 1-year general FD rate of 7.00% ranks #63 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 Bhuj Mercantile Bank insured?
Deposits with The Bhuj 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 Bhuj Mercantile Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Apr 2026. Rates can change without notice, so verify on the official Bhuj Mercantile Bank website before investing.
More Bhuj Mercantile Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Bhuj 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.
- Bhuj Mercantile 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 Bhuj Mercantile Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Bhuj Mercantile 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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