The Income Tax Department Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Income Tax Dept. Co-op Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
15 days to 180 days |
4.75% | 5.00% | Any amount | 16 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
181 days to 12 months |
5.25% | 5.50% | Any amount | 16 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
Above 12 months to 24 months |
6.75% | 7.00% | Any amount | 16 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
Above 24 months to 36 months |
6.90% | 7.15% | Any amount | 16 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
Above 36 months to 120 months |
6.70% | 6.95% | Any amount | 16 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
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Income Tax Dept. Co-op 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
5.25%Before you book
Income Tax Dept. Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Income Tax Dept. Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, The Income Tax Department Co-operative Bank Ltd. offers up to 6.90% p.a. on its fixed deposit (FD) (Above 24 months to 36 months) for general customers and 7.15% p.a. (Above 24 months to 36 months) for senior citizens. Rates below are as published by the bank. Confirm with Income Tax Dept. Co-op Bank before investing.
What is the Income Tax Dept. Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, The Income Tax Department Co-operative Bank Ltd. offers 5.25% p.a. on a 1-year FD for general customers and 5.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 16 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Income Tax Dept. Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, The Income Tax Department Co-operative Bank Ltd. offers 6.75% 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 16 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Income Tax Dept. Co-op Bank 3-year FD interest rate?
As of 14 Nov 2026, The Income Tax Department Co-operative Bank Ltd. offers 6.90% p.a. on a 3-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 16 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Income Tax Dept. Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, The Income Tax Department Co-operative Bank Ltd. offers 6.70% p.a. on a 5-year FD for general customers and 6.95% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 16 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Income Tax Dept. Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at The Income Tax Department Co-operative Bank Ltd., depending on the tenure.
When did Income Tax Dept. Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Income Tax Department Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 12 Nov 2026.
What fixed deposit (FD) tenures does Income Tax Dept. Co-op Bank offer?
The Income Tax Department Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 5 tenure bands, from “15 days to 180 days” to “Above 36 months to 120 months”.
Does Income Tax Dept. Co-op Bank pay more than the Post Office Time Deposit?
The Income Tax Department Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.25% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 6.90% (PO 7.10%), 5y 6.70% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Income Tax Dept. Co-op Bank's 1-year FD rate rank?
The Income Tax Department Co-operative Bank Ltd.'s 1-year general FD rate of 5.25% ranks #977 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 Income Tax Dept. Co-op Bank insured?
Deposits with The Income Tax Department Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Income Tax Dept. Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 16 Feb 2026. Rates can change without notice, so verify on the official Income Tax Dept. Co-op Bank website before investing.
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Good to know
- Deposits with The Income Tax Department 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.
- Income Tax Dept. Co-op 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 Income Tax Dept. Co-op Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Income Tax Dept. Co-op 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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