The Harij Nagarik Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Harij Nagarik Bank's best Fixed Deposit rate is 7.25% (365 days and above), 1.00 points below the best on the market (8.25%).
- Seniors: up to 7.50% (365 days and above), 0.25 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
30 to 45 Days |
4.50% | 4.75% | Any amount | 21 Mar 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 to 90 Days |
5.00% | 5.25% | Any amount | 21 Mar 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 to 180 Days |
5.25% | 5.50% | Any amount | 21 Mar 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 to 364 Days |
6.00% | 6.25% | Any amount | 21 Mar 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
365 days and above |
7.25% | 7.50% | Any amount | 21 Mar 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Harij Nagarik Bank FD returns at a glance based on investment amount
| Deposit | ~1 year7.25% | ~3 years7.25% | ~5 years7.25% | ~10 years7.25% |
|---|---|---|---|---|
| ₹50,000 | ₹53,725₹302/mo | ₹62,027₹302/mo | ₹71,613₹302/mo | ₹1,02,569₹302/mo |
| ₹1 lakh | ₹1,07,450₹604/mo | ₹1,24,055₹604/mo | ₹1,43,226₹604/mo | ₹2,05,137₹604/mo |
| ₹2 lakh | ₹2,14,899₹1,208/mo | ₹2,48,109₹1,208/mo | ₹2,86,452₹1,208/mo | ₹4,10,274₹1,208/mo |
| ₹5 lakh | ₹5,37,248₹3,021/mo | ₹6,20,273₹3,021/mo | ₹7,16,130₹3,021/mo | ₹10,25,685₹3,021/mo |
| ₹10 lakh | ₹10,74,495₹6,042/mo | ₹12,40,547₹6,042/mo | ₹14,32,261₹6,042/mo | ₹20,51,370₹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 Harij 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.
Harij Nagarik Bank Fixed Deposit rate changes
Changes to Harij 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 Harij Nagarik Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Harij 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 →
Harij Nagarik Bank Fixed Deposit: frequently asked questions
What is the highest Harij Nagarik Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Harij Nagarik Sahakari Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (365 days and above) for general customers and 7.50% p.a. (365 days and above) for senior citizens. Rates below are as published by the bank — confirm with Harij Nagarik Bank before investing.
What is the Harij Nagarik Bank 1-year FD interest rate?
As of 22 Oct 2026, The Harij Nagarik Sahakari Bank Ltd. offers 7.25% 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 21 Mar 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Harij Nagarik Bank 2-year FD interest rate?
As of 22 Oct 2026, The Harij Nagarik Sahakari Bank Ltd. offers 7.25% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 Mar 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Harij Nagarik Bank 3-year FD interest rate?
As of 22 Oct 2026, The Harij Nagarik Sahakari Bank Ltd. offers 7.25% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 Mar 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Harij Nagarik Bank 5-year FD interest rate?
As of 22 Oct 2026, The Harij Nagarik Sahakari Bank Ltd. offers 7.25% 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 21 Mar 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Harij Nagarik Bank?
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at The Harij Nagarik Sahakari Bank Ltd., depending on the tenure.
When did Harij Nagarik Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Harij Nagarik Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Harij Nagarik Bank offer?
The Harij Nagarik Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 5 tenure bands, from “30 to 45 Days” to “365 days and above”.
Does Harij Nagarik Bank pay more than the Post Office Time Deposit?
The Harij Nagarik Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 3 of 4 standard tenures compared (general rates). Rates: 1y 7.25% (PO 6.90%), 2y 7.25% (PO 7.00%), 3y 7.25% (PO 7.10%), 5y 7.25% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Harij Nagarik Bank's 1-year FD rate rank?
The Harij Nagarik Sahakari Bank Ltd.'s 1-year general FD rate of 7.25% ranks #35 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 Harij Nagarik Bank insured?
Deposits with The Harij Nagarik Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Harij Nagarik Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 21 Mar 2023. Rates can change without notice, so verify on the official Harij Nagarik Bank website before investing.
More Harij Nagarik Bank rates
Fixed Deposit rates at other banks
Higher 1 year Fixed Deposit rates than Harij Nagarik Bank
6 banks serving Gujarat pay more. Top picks:
Good to know
- Deposits with The Harij Nagarik Sahakari 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.
- Harij 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 0.25% p.a. more than general customers at Harij Nagarik Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Harij 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.