Citizens’ Urban Co-operative Bank Ltd., Gangtok Fixed Deposit interest rates · November 2026
What will my FD earn at Citizens Bank Sikkim?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 14 days |
4.00% | 5.00% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
15 to 180 days |
5.00% | 5.50% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
181 to 364 days |
6.00% | 6.50% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
above 1 year to less than 3 years |
7.25% | 7.75% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
444 days Citizen’s 444 Fixed Deposit |
7.30% | 7.80% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
above 3 years to less than 5 years |
6.50% | 7.00% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
5 years to 10 years |
6.50% | 6.75% | Amount limits not stated | 1 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 8 Nov 2026 |
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Citizens Bank Sikkim 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
2 years
7.25%Before you book
Citizens Bank Sikkim Fixed Deposit: frequently asked questions
What is the highest Citizens Bank Sikkim Fixed Deposit interest rate?
As of 14 Nov 2026, Citizens’ Urban Co-operative Bank Ltd., Gangtok offers up to 7.30% p.a. on its fixed deposit (FD) (444 days) for general customers and 7.80% p.a. (444 days) for senior citizens. Rates below are as published by the bank. Confirm with Citizens Bank Sikkim before investing.
What is the Citizens Bank Sikkim 2-year FD interest rate?
As of 14 Nov 2026, Citizens’ Urban Co-operative Bank Ltd., Gangtok offers 7.25% p.a. on a 2-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Apr 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Citizens Bank Sikkim 5-year FD interest rate?
As of 14 Nov 2026, Citizens’ Urban Co-operative Bank Ltd., Gangtok offers 6.50% p.a. on a 5-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Apr 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Citizens Bank Sikkim?
Yes. Senior citizens (60+) earn up to 1.00% p.a. more than general customers at Citizens’ Urban Co-operative Bank Ltd., Gangtok, depending on the tenure.
When did Citizens Bank Sikkim last change its Fixed Deposit rates?
RateScan.in has recorded no change to Citizens’ Urban Co-operative Bank Ltd., Gangtok's fixed deposit (FD) rates since it started tracking them on 8 Nov 2026.
What fixed deposit (FD) tenures does Citizens Bank Sikkim offer?
Citizens’ Urban Co-operative Bank Ltd., Gangtok's published fixed deposit (FD) rate table has 6 tenure bands, from “7 to 14 days” to “5 years to 10 years”.
Does Citizens Bank Sikkim have special fixed deposit (FD) schemes?
Citizens’ Urban Co-operative Bank Ltd., Gangtok's rate table lists these named schemes (1): Citizen’s 444 Fixed Deposit. Check eligibility and end dates with the bank.
Does Citizens Bank Sikkim pay more than the Post Office Time Deposit?
Citizens’ Urban Co-operative Bank Ltd., Gangtok pays more than the Post Office Time Deposit at 1 of 2 standard tenures compared (general rates). Rates: 2y 7.25% (PO 7.00%), 5y 6.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with Citizens Bank Sikkim insured?
Deposits with Citizens’ Urban Co-operative Bank Ltd., Gangtok are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Citizens Bank Sikkim rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Apr 2025. Rates can change without notice, so verify on the official Citizens Bank Sikkim website before investing.
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Good to know
- Deposits with Citizens’ Urban Co-operative Bank Ltd., Gangtok 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.
- Citizens Bank Sikkim 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 Citizens Bank Sikkim, depending on the tenure.
- Citizens Bank Sikkim's FD table includes 1 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official Citizens Bank Sikkim 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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