Rates verified from official source

The GS Mahanagar Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026

GS Mahanagar Bank's best Fixed Deposit rate is 6.75% (14 Months), 2.75 points below the best on the market (9.50%).

  • Seniors: up to 7.00% (14 Months), 0.25 points above the general rate for that tenure.

What will my FD earn at GS Mahanagar Bank?

Estimated value after 1 year · before tax ₹5,30,682 6.00% p.a. · ₹30,682 interest · quarterly compounding
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Deposit amount

Showing 9 of 18 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days to 29 days
2 slabs at this rate
Below ₹1 crore
 3.25% 3.50% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
30 days
to 90 days
Below ₹1 crore
 3.75% 4.00% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
91 days to
180 days
Below ₹1 crore
 4.75% 5.00% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
181 days to less
than 12 Months
Below ₹1 crore
 5.75% 6.00% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
12 months to less
than 14 months
Below ₹1 crore
 6.00% 6.25% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
14 Months
Below ₹1 crore
 6.75% 7.00% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
Above 14 Months
to 18 Months
Below ₹1 crore
 6.50% 6.75% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
Above 18 Months
to 36 Months
Below ₹1 crore
 6.25% 6.50% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
Above 36 Months
to 120 Months
Below ₹1 crore
 6.00% 6.25% Below ₹1 crore
22 Apr 2026
✓ verified 13 Nov 2026
official
fetched 1 Nov 2026
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GS Mahanagar Bank FD return examples

DepositHighest rate425 days6.75%3 years6.25%5 years6.00%10 years6.00%
₹50,000★₹54,053₹3,461 a year₹281/mo₹60,224₹3,199 a year₹260/mo₹67,343₹3,068 a year₹250/mo₹90,701₹3,068 a year₹250/mo
₹1 lakh★₹1,08,106₹6,923 a year₹563/mo₹1,20,448₹6,398 a year₹521/mo₹1,34,686₹6,136 a year₹500/mo₹1,81,402₹6,136 a year₹500/mo
₹2 lakh★₹2,16,212₹13,846 a year₹1,125/mo₹2,40,897₹12,796 a year₹1,042/mo₹2,69,371₹12,273 a year₹1,000/mo₹3,62,804₹12,273 a year₹1,000/mo
₹5 lakh★₹5,40,529₹34,614 a year₹2,813/mo₹6,02,241₹31,990 a year₹2,604/mo₹6,73,428₹30,682 a year₹2,500/mo₹9,07,009₹30,682 a year₹2,500/mo
₹10 lakh★₹10,81,058₹69,228 a year₹5,625/mo₹12,04,483₹63,980 a year₹5,208/mo₹13,46,855₹61,364 a year₹5,000/mo₹18,14,018₹61,364 a year₹5,000/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

6.00%
Compare 1 year rates → Estimate my return
Market rank & rate source

#817 of 1033

12 months to less than 14 months · Below ₹1 crore

Official rate sheet ↗
See all published rates
Before you book

GS Mahanagar Bank Fixed Deposit: frequently asked questions

What is the highest GS Mahanagar Bank Fixed Deposit interest rate?

As of 14 Nov 2026, The GS Mahanagar Co-operative Bank Ltd. offers up to 6.75% p.a. on its fixed deposit (FD) (14 Months) for general customers and 7.00% p.a. (14 Months) for senior citizens. Rates below are as published by the bank. Confirm with GS Mahanagar Bank before investing.

See today's top interest rates →

What is the GS Mahanagar Bank 1-year FD interest rate?

As of 14 Nov 2026, The GS Mahanagar Co-operative Bank Ltd. offers 6.00% p.a. on a 1-year FD for general customers and 6.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the GS Mahanagar Bank 2-year FD interest rate?

As of 14 Nov 2026, The GS Mahanagar Co-operative Bank Ltd. offers 6.25% p.a. on a 2-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the GS Mahanagar Bank 3-year FD interest rate?

As of 14 Nov 2026, The GS Mahanagar Co-operative Bank Ltd. offers 6.25% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the GS Mahanagar Bank 5-year FD interest rate?

As of 14 Nov 2026, The GS Mahanagar Co-operative Bank Ltd. offers 6.00% p.a. on a 5-year FD for general customers and 6.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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Do senior citizens get higher Fixed Deposit rates at GS Mahanagar Bank?

Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at The GS Mahanagar Co-operative Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did GS Mahanagar Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to The GS Mahanagar Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 1 Nov 2026.

Rate movements →

What fixed deposit (FD) tenures does GS Mahanagar Bank offer?

The GS Mahanagar Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 days to 14 days” to “Above 36 Months to 120 Months”.

Does GS Mahanagar Bank pay different fixed deposit (FD) rates by deposit size?

Yes. The GS Mahanagar Co-operative Bank Ltd.'s table lists separate bands: Below ₹1 crore; ₹1 crore and above. Each row shows the band it applies to.

Does GS Mahanagar Bank pay more than the Post Office Time Deposit?

The GS Mahanagar Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.00% (PO 6.90%), 2y 6.25% (PO 7.00%), 3y 6.25% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

The GS Mahanagar Co-operative Bank Ltd.'s 1-year general FD rate of 6.00% ranks #817 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with GS Mahanagar Bank insured?

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

How current are these GS Mahanagar Bank rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 22 Apr 2026. Rates can change without notice, so verify on the official GS Mahanagar Bank website before investing.

Rate movements →

More GS Mahanagar Bank rates

GS Mahanagar Bank overviewGS Mahanagar Bank Savings rates

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Compare GS Mahanagar Bank with similar banks

Nearby banks paying a little more at 1 year

Citizen Credit Co-op Bank 6.10%Abhyudaya Bank 6.15%Bhagini Nivedita Bank 6.15%

Banks with a similar rate at 1 year

Annasaheb Magar Sahakari Bank 6.00%Excellent Co-op Bank 6.00%Janaseva Sahakari Bank (Pune) 6.00%

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

Good to know

  • Deposits with The GS Mahanagar 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.
  • GS Mahanagar 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 0.25% p.a. more than general customers at GS Mahanagar Bank, depending on the tenure.
official Effective 22 Apr 2026 · Ingested 1 Nov 2026 · Verified 13 Nov 2026 · View source

Informational only. Always confirm the current rate on the official GS Mahanagar 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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