The Eastern Railway Employees' Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Eastern Railway Employees' Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
1 Day to 29 Days |
4.00% | 4.00% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
30 Days to 90 Days |
4.25% | 4.75% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
91 Days to less than 1 Year |
6.75% | 7.25% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
1 Year to less than 2 Years |
7.00% | 7.50% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
2 Years to less than 3 Years |
7.25% | 7.75% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
3 Years to less than 5 Years |
7.60% | 8.10% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
1111 days (Sanchay Samriddhi) |
7.90% | 8.40% | ₹1 lakh and above | 7 Feb 2025 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
5 years and above |
7.00% | 7.50% | Any amount | 14 Oct 2024 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
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Eastern Railway Employees' 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
7.00%- Sanchay Samriddhi scheme: minimum deposit ₹1,00,000, interest compounded quarterly and paid on maturity
Before you book
Eastern Railway Employees' Bank Fixed Deposit: frequently asked questions
What is the highest Eastern Railway Employees' Bank Fixed Deposit interest rate?
As of 14 Nov 2026, The Eastern Railway Employees' Co-operative Bank Ltd. offers up to 7.90% p.a. on its fixed deposit (FD) (1111 days (Sanchay Samriddhi)) for general customers and 8.40% p.a. (1111 days (Sanchay Samriddhi)) for senior citizens. Rates below are as published by the bank. Confirm with Eastern Railway Employees' Bank before investing.
What is the Eastern Railway Employees' Bank 1-year FD interest rate?
As of 14 Nov 2026, The Eastern Railway Employees' Co-operative Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 14 Oct 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Eastern Railway Employees' Bank 2-year FD interest rate?
As of 14 Nov 2026, The Eastern Railway Employees' Co-operative Bank Ltd. 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 14 Oct 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Eastern Railway Employees' Bank 3-year FD interest rate?
As of 14 Nov 2026, The Eastern Railway Employees' Co-operative Bank Ltd. offers 7.60% p.a. on a 3-year FD for general customers and 8.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 14 Oct 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Eastern Railway Employees' Bank 5-year FD interest rate?
As of 14 Nov 2026, The Eastern Railway Employees' Co-operative Bank Ltd. offers 7.00% p.a. on a 5-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 14 Oct 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Eastern Railway Employees' Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Eastern Railway Employees' Co-operative Bank Ltd., depending on the tenure.
When did Eastern Railway Employees' Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Eastern Railway Employees' Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 6 Nov 2026.
What fixed deposit (FD) tenures does Eastern Railway Employees' Bank offer?
The Eastern Railway Employees' Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 8 tenure bands, from “1 Day to 29 Days” to “5 years and above”.
Does Eastern Railway Employees' Bank pay different fixed deposit (FD) rates by deposit size?
Yes. The Eastern Railway Employees' Co-operative Bank Ltd.'s table lists separate bands: Any amount; ₹1 lakh and above. Each row shows the band it applies to.
Does Eastern Railway Employees' Bank pay more than the Post Office Time Deposit?
The Eastern Railway Employees' Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 3 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.25% (PO 7.00%), 3y 7.60% (PO 7.10%), 5y 7.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Eastern Railway Employees' Bank's 1-year FD rate rank?
The Eastern Railway Employees' Co-operative Bank Ltd.'s 1-year general FD rate of 7.00% ranks #295 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 Eastern Railway Employees' Bank insured?
Deposits with The Eastern Railway Employees' Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Eastern Railway Employees' Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 14 Oct 2024. Rates can change without notice, so verify on the official Eastern Railway Employees' Bank website before investing.
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Good to know
- Deposits with The Eastern Railway Employees' 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.
- Eastern Railway Employees' 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 Eastern Railway Employees' Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Eastern Railway Employees' 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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