Rates verified from official source

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

Cosmos Bank's best Savings Account rate is 2.75% (Up to ₹25 lakh), 2.25 points below the best on the market (5.00%).

  • Seniors: up to 3.50% (Above ₹25 lakh).
Deposit amount

Showing 1 of 2 rates.

TenureGeneralSeniorApplies toEffective OnSource
Any tenure
Up to ₹25 lakh
 2.75% 2.75% Up to ₹25 lakh
18 Dec 2020
official
fetched 18 Oct 2026
✓ verified 18 Oct 2026

Higher Savings Account rates than Cosmos Bank

12 banks serving Maharashtra pay more. Top picks:

Private Highest Bandhan 4.85% +2.10% vs Cosmos Bank Payments Bank Fino 4.50% +1.75% vs Cosmos Bank Small Finance Jana 4.50% +1.75% vs Cosmos Bank

See every higher rate in Maharashtra →

Cosmos Bank Savings rate changes

Changes to Cosmos Bank's savings account rates that RateScan.in has recorded since it started tracking them on 18 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 savings account rates has been recorded since tracking started on 18 Oct 2026.

Cosmos Bank Savings: frequently asked questions

What is the highest Cosmos Bank Savings interest rate?

As of 18 Oct 2026, The Cosmos Co-operative Bank Ltd. offers up to 3.50% p.a. on its savings account (Above ₹25 lakh) for general customers. Rates below are as published by the bank — confirm with Cosmos Bank before investing.

See today's top interest rates →

When did Cosmos Bank last change its Savings rates?

RateScan.in has recorded no change to The Cosmos Co-operative Bank Ltd.'s savings account rates since it started tracking them on 18 Oct 2026.

Rate movements →

Does Cosmos Bank pay different savings account rates by deposit size?

Yes. The Cosmos Co-operative Bank Ltd.'s table lists separate bands: Up to ₹25 lakh; Above ₹25 lakh. Each row shows the band it applies to.

Is my savings account 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 Dec 2020. Rates can change without notice, so verify on the official Cosmos Bank website before investing.

Rate movements →

More Cosmos Bank rates

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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.