Innovative Co-operative Urban Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Innovative Urban Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
46 days to 180 days 2 slabs at this rate |
4.50% | – | Any amount | 1 Dec 2023 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
181 days to less than 1 year |
5.75% | – | Any amount | 1 Dec 2023 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
1 years and above |
6.80% | 7.30% | Any amount | 1 Dec 2023 ✓ verified 13 Nov 2026 | official fetched 6 Nov 2026 |
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Innovative Urban 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
6.80%Before you book
Innovative Urban Bank Fixed Deposit: frequently asked questions
What is the highest Innovative Urban Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Innovative Co-operative Urban Bank Ltd. offers up to 6.80% p.a. on its fixed deposit (FD) (1 years and above) for general customers and 7.30% p.a. (1 years and above) for senior citizens. Rates below are as published by the bank. Confirm with Innovative Urban Bank before investing.
What is the Innovative Urban Bank 1-year FD interest rate?
As of 14 Nov 2026, Innovative Co-operative Urban Bank Ltd. offers 6.80% p.a. on a 1-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Dec 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Innovative Urban Bank 2-year FD interest rate?
As of 14 Nov 2026, Innovative Co-operative Urban Bank Ltd. offers 6.80% p.a. on a 2-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Dec 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Innovative Urban Bank 3-year FD interest rate?
As of 14 Nov 2026, Innovative Co-operative Urban Bank Ltd. offers 6.80% p.a. on a 3-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Dec 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Innovative Urban Bank 5-year FD interest rate?
As of 14 Nov 2026, Innovative Co-operative Urban Bank Ltd. offers 6.80% p.a. on a 5-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Dec 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Innovative Urban Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Innovative Co-operative Urban Bank Ltd., depending on the tenure.
When did Innovative Urban Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Innovative Co-operative Urban Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 6 Nov 2026.
What fixed deposit (FD) tenures does Innovative Urban Bank offer?
Innovative Co-operative Urban Bank Ltd.'s published fixed deposit (FD) rate table has 4 tenure bands, from “46 days to 90 days” to “1 years and above”.
Does Innovative Urban Bank pay more than the Post Office Time Deposit?
Innovative Co-operative Urban Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.80% (PO 6.90%), 2y 6.80% (PO 7.00%), 3y 6.80% (PO 7.10%), 5y 6.80% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with Innovative Urban Bank insured?
Deposits with Innovative Co-operative Urban Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Innovative Urban Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Dec 2023. Rates can change without notice, so verify on the official Innovative Urban Bank website before investing.
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Good to know
- Deposits with Innovative Co-operative Urban 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.
- Innovative Urban 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 Innovative Urban Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Innovative Urban 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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