The Financial Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Finco Bank's best Fixed Deposit rate is 7.61% (Above 5 Years), 0.44 points below the best on the market (8.05%).
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
15 Days to 45 Days |
3.00% | — | ₹25 lakh and above | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 Days to 90 Days |
3.50% | — | ₹25 lakh and above | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
4.50% | — | ₹25 lakh and above | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to 12 Months |
4.75% | — | ₹25 lakh and above | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
222 Days Finco Chhota Pankh |
7.26% | — | Any amount | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 1 Year to 2 Year |
6.00% | — | ₹25 lakh and above | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
444 Days Finco Laxmi |
7.50% | — | Any amount | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 2 Year to 3 Year Finco Dhan Vrudhi |
6.80% | — | Any amount | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 3 Year to 5 Year Finco Astha |
7.11% | — | Any amount | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1111 Days Finco Balvikas |
7.50% | — | Any amount | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 5 Years Finco Akshay |
7.61% | — | Any amount | 1 Mar 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Finco Bank FD returns at a glance based on investment amount
| Deposit | ~3 years6.80% | ~5 years7.11% | ~10 years7.61% |
|---|---|---|---|
| ₹50,000 | ₹61,210₹283/mo | ₹71,122₹296/mo | ₹1,06,258₹317/mo |
| ₹1 lakh | ₹1,22,420₹567/mo | ₹1,42,245₹593/mo | ₹2,12,517₹634/mo |
| ₹2 lakh | ₹2,44,839₹1,133/mo | ₹2,84,489₹1,185/mo | ₹4,25,034₹1,268/mo |
| ₹5 lakh | ₹6,12,099₹2,833/mo | ₹7,11,223₹2,963/mo | ₹10,62,585₹3,171/mo |
| ₹10 lakh | ₹12,24,197₹5,667/mo | ₹14,22,445₹5,925/mo | ₹21,25,169₹6,342/mo |
Illustrative · quarterly compounding · rates as of 22 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.
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General rate by tenure (% p.a.)
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 separate Senior rate — showing General rates.
General rate by tenure (% p.a.)
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 super-senior rate — showing General rates.
General rate by tenure (% p.a.)
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.
Finco Bank Fixed Deposit rate changes
Changes to Finco Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 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 Finco Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Finco Bank with similar banks
Nearby banks paying a little more at 3 years
Banks with a similar rate at 3 years
Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Finco Bank Fixed Deposit: frequently asked questions
What is the highest Finco Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Financial Co-operative Bank Ltd. offers up to 7.61% p.a. on its fixed deposit (FD) (Above 5 Years) for general customers. Rates below are as published by the bank — confirm with Finco Bank before investing.
What is the Finco Bank 3-year FD interest rate?
As of 22 Oct 2026, The Financial Co-operative Bank Ltd. offers 6.80% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Mar 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Finco Bank 5-year FD interest rate?
As of 22 Oct 2026, The Financial Co-operative Bank Ltd. offers 7.11% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Mar 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Finco Bank?
The Financial Co-operative Bank Ltd. does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did Finco Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Financial Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Finco Bank offer?
The Financial Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 5 tenure bands, from “15 Days to 45 Days” to “Above 1 Year to 2 Year”.
Does Finco Bank pay different fixed deposit (FD) rates by deposit size?
Yes. The Financial Co-operative Bank Ltd.'s table lists separate bands: ₹25 lakh and above; Any amount. Each row shows the band it applies to.
Does Finco Bank have special fixed deposit (FD) schemes?
The Financial Co-operative Bank Ltd.'s rate table lists these named schemes (6): Finco Chhota Pankh; Finco Laxmi; Finco Dhan Vrudhi; Finco Astha; Finco Balvikas…. Check eligibility and end dates with the bank.
Does Finco Bank pay more than the Post Office Time Deposit?
The Financial Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 2 standard tenures compared (general rates). Rates: 3y 6.80% (PO 7.10%), 5y 7.11% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with Finco Bank insured?
Deposits with The Financial Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Finco Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Mar 2025. Rates can change without notice, so verify on the official Finco Bank website before investing.
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Financial 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.
- Finco 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.
- Finco Bank's FD table includes 6 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Finco 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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