Rates verified from official source

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

Cosmos Bank's best Fixed Deposit rate is 7.25% (445 days), 1.75 points below the best on the market (9.00%).

  • Seniors: up to 7.30% (445 days), 0.05 points above the general rate for that tenure.
Deposit amount
Deposit type

Showing 20 of 89 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days to 14 days
CallableBelow ₹1 crore
 2.00% 2.00% Below ₹1 crore
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
14 days
Flexi Fixed Deposit Scheme (Current Deposit sweep)
 2.00% — Any amount
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
15 days to 30 days
CallableBelow ₹1 crore
 3.00% 3.00% Below ₹1 crore
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
30 days
Flexi Fixed Deposit Scheme (Savings Deposit sweep)
 3.00% — Any amount
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
31 days to 45 days
CallableBelow ₹1 crore
 3.50% 3.50% Below ₹1 crore
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
46 days to 60 days
CallableBelow ₹1 crore
 3.75% 3.75% Below ₹1 crore
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
61 days to 90 days
CallableBelow ₹1 crore
 4.25% 4.25% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
91 days to 181 days
CallableBelow ₹1 crore
 6.00% 6.50% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
182 days to less than 9 months
CallableBelow ₹1 crore
 6.00% 6.50% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
9 months to less than 12 months
CallableBelow ₹1 crore
 6.15% 6.85% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
12 months to 444 days
CallableBelow ₹1 crore
 7.00% — Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
445 days
CallableBelow ₹1 crore
 7.25% 7.30% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
446 days
CallableBelow ₹1 crore
 7.15% 7.20% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
447 days
CallableBelow ₹1 crore
 7.05% 7.10% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
448 days to less than 16 months
CallableBelow ₹1 crore
 7.00% 7.10% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
16 Months
CallableBelow ₹1 crore
 7.10% 7.30% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
Above 16 months to 24 months
CallableBelow ₹1 crore
 6.85% 7.05% Below ₹1 crore
18 Oct 2026
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026
Above 24 months to 36 months
CallableBelow ₹1 crore
 6.65% 7.10% Below ₹1 crore
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
Above 36 months to 10 years
CallableBelow ₹1 crore
 6.75% 7.15% Below ₹1 crore
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026
60 months
Cosmo Tax Saver Deposit Scheme
 6.75% 7.15% Any amount
18 Oct 2026
official
fetched 11 Oct 2026
✓ verified 18 Oct 2026

Cosmos Bank FD returns at a glance based on investment amount

Deposit~1 year7.00%~3 years6.65%~5 years6.75%~10 years6.75%
₹50,000₹53,593₹292/mo₹60,940₹277/mo₹69,875₹281/mo₹97,650₹281/mo
₹1 lakh₹1,07,186₹583/mo₹1,21,879₹554/mo₹1,39,750₹563/mo₹1,95,300₹563/mo
₹2 lakh₹2,14,372₹1,167/mo₹2,43,758₹1,108/mo₹2,79,500₹1,125/mo₹3,90,601₹1,125/mo
₹5 lakh₹5,35,930₹2,917/mo₹6,09,396₹2,771/mo₹6,98,749₹2,813/mo₹9,76,501₹2,813/mo
₹10 lakh₹10,71,859₹5,833/mo₹12,18,792₹5,542/mo₹13,97,499₹5,625/mo₹19,53,003₹5,625/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 Cosmos Bank 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 Cosmos Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.

Cosmos Bank

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  • General category includes General, Institutional, NRO, Co-op Credit Society and UCBs (page footnote).
  • General category includes General, Institutional, NRO, Co-op Credit Society and UCBs (page footnote). Bulk Deposit rate is available for single receipt only.
  • Page header: "Current Deposit (Sweep Tenure - 14 Days)".
  • Page header: "Savings Deposit (Sweep Tenure - 30 Days)".
  • Page: "Only for bulk deposit"; the page's bulk bands start at Rs. 1.00 Crore. Rate of interest offered for the tenure of 16 months & Non callable Deposit scheme will be available only under Monthly/Quarterly interest payout. General category includes General, Institutional, NRO, Co-op Credit Society and UCBs (page footnote).
  • General category includes General, Institutional, NRO, Co-op Credit Society and UCBs (page footnote). Rate of interest offered for the tenure of 16 months & Non callable Deposit scheme will be available only under Monthly/Quarterly interest payout.
  • General category includes General, Institutional, NRO, Co-op Credit Society and UCBs (page footnote). Rate of interest offered for the tenure of 16 months & Non callable Deposit scheme will be available only under Monthly/Quarterly interest payout. Bulk Deposit rate is available for single receipt only.
  • The page's table states no tenure; read as 60 months from the page's own "60 months Tax Exemption Scheme" (same 6.75%). General category includes General, Institutional, NRO, Co-op Credit Society and UCBs (page footnote).

Chart shows the Below ₹1 crore rates; other deposit amounts are in the table above.

General rate by tenure (% p.a.)

2%3%4%5%6%7% 7d14d15d1m1m2m2m3m6m9m1y445d446d447d448d487d488d731d1096d5y General Post Office TD Special scheme

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.

Chart shows the Below ₹1 crore rates; other deposit amounts are in the table above.

Senior rate by tenure (% p.a.)

2%3%4%5%6%7% 7d15d1m2m2m3m6m9m1y445d446d447d448d487d488d731d1096d5y Senior General Post Office TD Special scheme

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.

Chart shows the Below ₹1 crore rates; other deposit amounts are in the table above.

Senior rate by tenure (% p.a.)

2%3%4%5%6%7% 7d15d1m2m2m3m6m9m1y445d446d447d448d487d488d731d1096d5y Senior Senior Post Office TD Special scheme

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 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 →

Cosmos Bank Fixed Deposit rate changes

Changes to Cosmos Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 11 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 Cosmos Bank's fixed deposit (FD) rates has been recorded since tracking started on 11 Oct 2026.

Compare Cosmos Bank with similar banks

Nearby banks paying a little more at 1 year

KAIJS Bank 7.10%Mumbai DCC 7.05%RBL 7.05%

Banks with a similar rate at 1 year

Greater Bank 7.00%Akola Urban Bank 7.00%NNSB 7.00%

Best FD rates among urban co-operative banks → Best FD rates in Maharashtra →

Cosmos Bank Fixed Deposit: frequently asked questions

What is the highest Cosmos Bank Fixed Deposit interest rate?

As of 18 Oct 2026, The Cosmos Co-operative Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (445 days) for general customers and 7.30% p.a. (445 days) for senior citizens. Rates below are as published by the bank — confirm with Cosmos Bank before investing.

See today's top interest rates →

What is the Cosmos Bank 1-year FD interest rate?

As of 18 Oct 2026, The Cosmos Co-operative Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

What is the Cosmos Bank 2-year FD interest rate?

As of 18 Oct 2026, The Cosmos Co-operative Bank Ltd. offers 6.85% p.a. on a 2-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the Cosmos Bank 3-year FD interest rate?

As of 18 Oct 2026, The Cosmos Co-operative Bank Ltd. offers 6.65% p.a. on a 3-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the Cosmos Bank 5-year FD interest rate?

As of 18 Oct 2026, The Cosmos Co-operative Bank Ltd. offers 6.75% p.a. on a 5-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 18 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at Cosmos Bank?

Yes. Senior citizens (60+) earn up to 0.70% p.a. more than general customers at The Cosmos Co-operative Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did Cosmos Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Cosmos Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 11 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Cosmos Bank offer?

The Cosmos Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 17 tenure bands, from “7 days to 14 days” to “Above 36 months to 10 years”.

Does Cosmos Bank have special fixed deposit (FD) schemes?

The Cosmos Co-operative Bank Ltd.'s rate table lists these named schemes (4): Flexi Fixed Deposit Scheme (Current Deposit sweep); Flexi Fixed Deposit Scheme (Savings Deposit sweep); Non-callable Deposit Scheme; Cosmo Tax Saver Deposit Scheme. Check eligibility and end dates with the bank.

Does Cosmos Bank pay more than the Post Office Time Deposit?

The Cosmos Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 6.85% (PO 7.00%), 3y 6.65% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does Cosmos Bank's 1-year FD rate rank?

The Cosmos Co-operative Bank Ltd.'s 1-year general FD rate of 7.00% ranks #54 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with Cosmos Bank insured?

Deposits with The Cosmos Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Cosmos Bank rates?

RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 18 Oct 2026. Rates can change without notice, so verify on the official Cosmos Bank website before investing.

Rate movements →

More Cosmos Bank rates

Cosmos Bank overviewCosmos Bank Savings ratesCosmos Bank NRE FD ratesCosmos Bank FCNR(B) rates

Fixed Deposit rates at other banks

Bapunagar Mahila Bank Fixed Deposit ratesSangli DCCB Fixed Deposit ratesSuryoday Fixed Deposit ratesChitradurga DCC Fixed Deposit ratesKCDCCB Fixed Deposit ratesUtkarsh Fixed Deposit ratesSrikakulam DCCB Fixed Deposit ratesWarangal DCCB Fixed Deposit ratesJSKB Dewas Fixed Deposit ratesJSKB Jhabua Fixed Deposit ratesBest Fixed Deposit rates across all banks

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

Informational only — always confirm the current rate on the official Cosmos 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.