Rates verified from official source

The Cosmos Co-operative Bank Ltd. interest rates · October 2026

Top FD rate
7.25%
445 days
Senior citizen FD
7.30%
445 days
Savings rate
3.50%
Above ₹25 lakh

The Cosmos Co-operative Bank Ltd. (Cosmos Bank) is an urban co-operative bank (UCB), headquartered in Pune. Its headline 1-year FD rate of 7.00% is 0.76% above the urban co-operative bank average of 6.24%, ranking #54 of 248 banks on RateScan.in. RateScan.in tracks 235 published rate lines for Cosmos Bank (product types: 4), last verified 18 Oct 2026. CRAR / NPA figures are not available for this bank.

Headquarters
Pune
Operates in
Maharashtra

Rates as of 18 Oct 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Higher 1 year Fixed Deposit rates than Cosmos Bank

10 banks serving Maharashtra pay more. Top picks:

Co-operative Highest Sangli DCCB 8.25% +1.25% vs Cosmos Bank Small Finance Suryoday 7.25% +0.25% vs Cosmos Bank Private RBL 7.05% +0.05% vs Cosmos Bank

See every higher rate in Maharashtra →

Good to know

  • Deposits with The Cosmos 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.
  • Cosmos 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 0.70% p.a. more than general customers at Cosmos Bank, depending on the tenure.
  • Cosmos Bank's FD table includes 4 special schemes; check eligibility and end dates.
official Effective 18 Oct 2026 · Ingested 11 Oct 2026 · Verified 18 Oct 2026 · View source

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