BMC Bank (Mumbai) FD returns at a glance based on investment amount
Deposit
~1 year6.15%
~3 years6.20%
~5 years6.20%
~10 years6.00%
₹50,000
₹53,147₹256/mo
₹60,135₹258/mo
₹68,009₹258/mo
₹90,701₹250/mo
₹1 lakh
₹1,06,293₹513/mo
₹1,20,271₹517/mo
₹1,36,019₹517/mo
₹1,81,402₹500/mo
₹2 lakh
₹2,12,587₹1,025/mo
₹2,40,541₹1,033/mo
₹2,72,037₹1,033/mo
₹3,62,804₹1,000/mo
₹5 lakh
₹5,31,466₹2,563/mo
₹6,01,353₹2,583/mo
₹6,80,093₹2,583/mo
₹9,07,009₹2,500/mo
₹10 lakh
₹10,62,933₹5,125/mo
₹12,02,705₹5,167/mo
₹13,60,187₹5,167/mo
₹18,14,018₹5,000/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 BMC 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 BMC Bank (Mumbai) has a rate for it. Bank D stays visible so you can add a fourth comparison.
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Bank footnote: These interest rates are for 'Non-Callable' term deposits of Rs.1 Crore and above (i.e. deposits which cannot be withdrawn before maturity) with 25 basis interest more than the normal rates for foregoing premature withdrawal option. (Read as the second figure of the 'a / b' cells.)
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.
Higher 1 year Fixed Deposit rates than BMC Bank (Mumbai)
Changes to BMC 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 BMC Bank (Mumbai)'s fixed deposit (FD) rates has been recorded since tracking started on 10 Oct 2026.
BMC Bank (Mumbai) Fixed Deposit: frequently asked questions
What is the highest BMC Bank (Mumbai) Fixed Deposit interest rate?
As of 18 Oct 2026, Bombay Mercantile Co-operative Bank Ltd. offers up to 6.35% p.a. on its fixed deposit (FD) (2 Years to less than 3 year) for general customers and 6.85% p.a. (2 Years to less than 3 year) for senior citizens. Rates below are as published by the bank — confirm with BMC Bank (Mumbai) before investing.
What is the BMC Bank (Mumbai) 1-year FD interest rate?
As of 18 Oct 2026, Bombay Mercantile Co-operative Bank Ltd. offers 6.15% p.a. on a 1-year FD for general customers and 6.65% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Jun 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
What is the BMC Bank (Mumbai) 2-year FD interest rate?
As of 18 Oct 2026, Bombay Mercantile Co-operative Bank Ltd. offers 6.35% p.a. on a 2-year FD for general customers and 6.85% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Jun 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
What is the BMC Bank (Mumbai) 3-year FD interest rate?
As of 18 Oct 2026, Bombay Mercantile Co-operative Bank Ltd. offers 6.20% p.a. on a 3-year FD for general customers and 6.70% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Jun 2025 and was last verified 18 Oct 2026. Source: the bank's official rate page.
When did BMC Bank (Mumbai) last change its Fixed Deposit rates?
RateScan.in has recorded no change to Bombay 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 BMC Bank (Mumbai) offer?
Bombay Mercantile Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 8 tenure bands, from “7 days to 45 days” to “5 Years and upto to 10 year”.
Does BMC Bank (Mumbai) pay different fixed deposit (FD) rates by deposit size?
Yes. Bombay Mercantile Co-operative Bank Ltd.'s table lists separate bands: Any amount; ₹1 crore and above. Each row shows the band it applies to.
Does BMC Bank (Mumbai) have special fixed deposit (FD) schemes?
Bombay Mercantile Co-operative Bank Ltd.'s rate table lists these named schemes (2): Non-Callable Deposit (₹1 crore and above); Tax Saving Scheme. Check eligibility and end dates with the bank.
Does BMC Bank (Mumbai) pay more than the Post Office Time Deposit?
Bombay Mercantile Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 1y 6.15% (PO 6.90%), 2y 6.35% (PO 7.00%), 3y 6.20% (PO 7.10%). PO is the Post Office Time Deposit rate.
Bombay Mercantile Co-operative Bank Ltd.'s 1-year general FD rate of 6.15% ranks #208 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with BMC Bank (Mumbai) insured?
Deposits with Bombay 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 BMC Bank (Mumbai) rates?
RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 18 Jun 2025. Rates can change without notice, so verify on the official BMC Bank (Mumbai) website before investing.
Deposits with Bombay 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.
BMC 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 BMC Bank (Mumbai), depending on the tenure.
BMC Bank (Mumbai)'s FD table includes 2 special schemes; check eligibility and end dates.
officialEffective 18 Jun 2025 · Ingested 10 Oct 2026 · Verified 18 Oct 2026 · View source
Informational only — always confirm the current rate on theofficial BMC Bank (Mumbai) 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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