The Gandhinagar Nagarik Co-op. Bank Ltd. Fixed Deposit interest rates · October 2026
Gandhinagar Nagarik Bank's best Fixed Deposit rate is 7.25% (Above 36 Months to 60 Months), 1.00 points below the best on the market (8.25%).
- Seniors: up to 7.75% (Above 36 Months to 60 Months), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
15 Days to 45 Days |
4.50% | 5.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 Days to 90 Days |
4.75% | 5.25% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
5.00% | 5.50% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to 365 Days |
5.50% | 6.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
366 Days to 36 Months |
6.50% | 7.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 36 Months to 60 Months |
7.25% | 7.75% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Gandhinagar Nagarik Bank FD returns at a glance based on investment amount
| Deposit | ~1 year5.50% | ~3 years6.50% | ~5 years7.25% |
|---|---|---|---|
| ₹50,000 | ₹52,807₹229/mo | ₹60,670₹271/mo | ₹71,613₹302/mo |
| ₹1 lakh | ₹1,05,614₹458/mo | ₹1,21,341₹542/mo | ₹1,43,226₹604/mo |
| ₹2 lakh | ₹2,11,229₹917/mo | ₹2,42,682₹1,083/mo | ₹2,86,452₹1,208/mo |
| ₹5 lakh | ₹5,28,072₹2,292/mo | ₹6,06,704₹2,708/mo | ₹7,16,130₹3,021/mo |
| ₹10 lakh | ₹10,56,145₹4,583/mo | ₹12,13,408₹5,417/mo | ₹14,32,261₹6,042/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.
Compare Gandhinagar Nagarik Bank FD returns with other banks
Add up to three banks, pick an amount and a tenure.
Loading comparison…
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.
Senior 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 additional super-senior premium — showing Senior rates.
Senior 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.
Gandhinagar Nagarik Bank Fixed Deposit rate changes
Changes to Gandhinagar Nagarik 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 Gandhinagar Nagarik Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Gandhinagar Nagarik Bank with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Gandhinagar Nagarik Bank Fixed Deposit: frequently asked questions
What is the highest Gandhinagar Nagarik Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Gandhinagar Nagarik Co-op. Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (Above 36 Months to 60 Months) for general customers and 7.75% p.a. (Above 36 Months to 60 Months) for senior citizens. Rates below are as published by the bank — confirm with Gandhinagar Nagarik Bank before investing.
What is the Gandhinagar Nagarik Bank 1-year FD interest rate?
As of 22 Oct 2026, The Gandhinagar Nagarik Co-op. Bank Ltd. offers 5.50% p.a. on a 1-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Gandhinagar Nagarik Bank 2-year FD interest rate?
As of 22 Oct 2026, The Gandhinagar Nagarik Co-op. Bank Ltd. offers 6.50% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Gandhinagar Nagarik Bank 3-year FD interest rate?
As of 22 Oct 2026, The Gandhinagar Nagarik Co-op. Bank Ltd. offers 6.50% p.a. on a 3-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Gandhinagar Nagarik Bank 5-year FD interest rate?
As of 22 Oct 2026, The Gandhinagar Nagarik Co-op. Bank Ltd. offers 7.25% p.a. on a 5-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Gandhinagar Nagarik Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Gandhinagar Nagarik Co-op. Bank Ltd., depending on the tenure.
When did Gandhinagar Nagarik Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Gandhinagar Nagarik Co-op. Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Gandhinagar Nagarik Bank offer?
The Gandhinagar Nagarik Co-op. Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “15 Days to 45 Days” to “Above 36 Months to 60 Months”.
Does Gandhinagar Nagarik Bank pay more than the Post Office Time Deposit?
The Gandhinagar Nagarik Co-op. Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.50% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.50% (PO 7.10%), 5y 7.25% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Gandhinagar Nagarik Bank's 1-year FD rate rank?
The Gandhinagar Nagarik Co-op. Bank Ltd.'s 1-year general FD rate of 5.50% ranks #303 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Gandhinagar Nagarik Bank insured?
Deposits with The Gandhinagar Nagarik Co-op. Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Gandhinagar Nagarik Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 22 Oct 2026. Rates can change without notice, so verify on the official Gandhinagar Nagarik Bank website before investing.
More Gandhinagar Nagarik Bank rates
Fixed Deposit rates at other banks
Higher 1 year Fixed Deposit rates than Gandhinagar Nagarik Bank
123 banks serving Gujarat pay more. Top picks:
Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Gandhinagar Nagarik Co-op. 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.
- Gandhinagar Nagarik 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 Gandhinagar Nagarik Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Gandhinagar Nagarik 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.
Have feedback?
Tell us what would make RateScan.in more useful. No email required.