Bharathiya Sahakara Bank Niyamitha Fixed Deposit interest rates · November 2026
What will my FD earn at Bharathiya Sahakara Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
15 days to 90 days |
5.00% | 5.50% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 23 Oct 2026 |
91 days to 179 days |
5.50% | 6.00% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 23 Oct 2026 |
180 days to 364 days |
6.50% | 7.00% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 23 Oct 2026 |
1 year to below 2 year |
7.50% | 8.00% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 23 Oct 2026 |
2 year to below 3 year |
8.00% | 8.50% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 23 Oct 2026 |
3 years and above |
8.50% | 9.00% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 23 Oct 2026 |
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Bharathiya Sahakara Bank FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
7.50%Before you book
Bharathiya Sahakara Bank Fixed Deposit: frequently asked questions
What is the highest Bharathiya Sahakara Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Bharathiya Sahakara Bank Niyamitha offers up to 8.50% p.a. on its fixed deposit (FD) (3 years and above) for general customers and 9.00% p.a. (3 years and above) for senior citizens. Rates below are as published by the bank. Confirm with Bharathiya Sahakara Bank before investing.
What is the Bharathiya Sahakara Bank 1-year FD interest rate?
As of 14 Nov 2026, Bharathiya Sahakara Bank Niyamitha offers 7.50% p.a. on a 1-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Bharathiya Sahakara Bank 2-year FD interest rate?
As of 14 Nov 2026, Bharathiya Sahakara Bank Niyamitha offers 8.00% p.a. on a 2-year FD for general customers and 8.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Bharathiya Sahakara Bank 3-year FD interest rate?
As of 14 Nov 2026, Bharathiya Sahakara Bank Niyamitha offers 8.50% p.a. on a 3-year FD for general customers and 9.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Bharathiya Sahakara Bank 5-year FD interest rate?
As of 14 Nov 2026, Bharathiya Sahakara Bank Niyamitha offers 8.50% p.a. on a 5-year FD for general customers and 9.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Bharathiya Sahakara Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Bharathiya Sahakara Bank Niyamitha, depending on the tenure.
When did Bharathiya Sahakara Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Bharathiya Sahakara Bank Niyamitha's fixed deposit (FD) rates since it started tracking them on 23 Oct 2026.
What fixed deposit (FD) tenures does Bharathiya Sahakara Bank offer?
Bharathiya Sahakara Bank Niyamitha's published fixed deposit (FD) rate table has 6 tenure bands, from “15 days to 90 days” to “3 years and above”.
Does Bharathiya Sahakara Bank pay more than the Post Office Time Deposit?
Bharathiya Sahakara Bank Niyamitha pays more than the Post Office Time Deposit at 4 of 4 standard tenures compared (general rates). Rates: 1y 7.50% (PO 6.90%), 2y 8.00% (PO 7.00%), 3y 8.50% (PO 7.10%), 5y 8.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Bharathiya Sahakara Bank's 1-year FD rate rank?
Bharathiya Sahakara Bank Niyamitha's 1-year general FD rate of 7.50% ranks #105 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Bharathiya Sahakara Bank insured?
Deposits with Bharathiya Sahakara Bank Niyamitha are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Bharathiya Sahakara Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026. Rates can change without notice, so verify on the official Bharathiya Sahakara Bank website before investing.
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Good to know
- Deposits with Bharathiya Sahakara Bank Niyamitha 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.
- Bharathiya Sahakara 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 Bharathiya Sahakara Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Bharathiya Sahakara 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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