Rates verified from official source

The Junagadh Commercial Co-op Bank Ltd. Fixed Deposit interest rates · October 2026

JCOM Bank's best Fixed Deposit rate is 7.20% (Above 24 Months to 36 Months), 1.30 points below the best on the market (8.50%).

  • Seniors: up to 7.70% (Above 24 Months to 36 Months), 0.50 points above the general rate for that tenure.
Deposit amount

Showing 11 of 22 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 Days to 45 Days
Below ₹15 lakh
 4.00% 4.50% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
46 Days
To 90 Days
Below ₹15 lakh
 5.25% 5.75% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
91 Days to
120 Days
Below ₹15 lakh
 5.50% 6.00% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
121 Days
to 179 Days
Below ₹15 lakh
 5.75% 6.25% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
180 Days
to 269 Days
Below ₹15 lakh
 6.00% 6.50% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
270 Days
to 364 Days
Below ₹15 lakh
 6.50% 7.00% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
12 Month
Below ₹15 lakh
 6.75% 7.25% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
Above 12 Months
to 24 Months
Below ₹15 lakh
 7.00% 7.50% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
Above 24 Months
to 36 Months
Below ₹15 lakh
 7.20% 7.70% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
Above 36 Months
to 60 Months
Below ₹15 lakh
 7.10% 7.60% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
Above 60 Month
Below ₹15 lakh
 6.75% 7.25% Below ₹15 lakh
1 Jun 2025
✓ verified 22 Oct 2026
official
fetched 22 Oct 2026
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JCOM Bank FD returns at a glance based on investment amount

Deposit~1 year6.75%~3 years7.20%~5 years7.10%~10 years6.75%
₹50,000₹53,461₹281/mo₹61,936₹300/mo₹71,087₹296/mo₹97,650₹281/mo
₹1 lakh₹1,06,923₹563/mo₹1,23,872₹600/mo₹1,42,175₹592/mo₹1,95,300₹563/mo
₹2 lakh₹2,13,846₹1,125/mo₹2,47,744₹1,200/mo₹2,84,349₹1,183/mo₹3,90,601₹1,125/mo
₹5 lakh₹5,34,614₹2,813/mo₹6,19,360₹3,000/mo₹7,10,873₹2,958/mo₹9,76,501₹2,813/mo
₹10 lakh₹10,69,228₹5,625/mo₹12,38,721₹6,000/mo₹14,21,747₹5,917/mo₹19,53,003₹5,625/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.

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Chart shows the Below ₹15 lakh rates; other deposit amounts are in the table above.

General rate by tenure (% p.a.)

4%5%6%7% 7d2m3m4m6m9m1y366d731d1096d1826d 4.005.255.505.756.006.506.757.007.207.106.75 General Post Office TD

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.

Chart shows the Below ₹15 lakh rates; other deposit amounts are in the table above.

Senior rate by tenure (% p.a.)

4%5%6%7%8% 7d2m3m4m6m9m1y366d731d1096d1826d 4.505.756.006.256.507.007.257.507.707.607.25 Senior General Post Office TD

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.

Chart shows the Below ₹15 lakh rates; other deposit amounts are in the table above.

Senior rate by tenure (% p.a.)

4%5%6%7%8% 7d2m3m4m6m9m1y366d731d1096d1826d 4.505.756.006.256.507.007.257.507.707.607.25 Senior Senior Post Office TD

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.

JCOM Bank Fixed Deposit rate changes

Changes to JCOM 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 JCOM Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.

Compare JCOM Bank with similar banks

Nearby banks paying a little more at 1 year

Santrampur Urban Bank 6.85%Malpur Nagrik Bank 7.00%Prime Co-op Bank 7.00%

Banks with a similar rate at 1 year

Amreli Nagrik Bank 6.75%M.S. Co-op Bank 6.75%Anand Mercantile Bank 6.75%

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

JCOM Bank Fixed Deposit: frequently asked questions

What is the highest JCOM Bank Fixed Deposit interest rate?

As of 22 Oct 2026, The Junagadh Commercial Co-op Bank Ltd. offers up to 7.20% p.a. on its fixed deposit (FD) (Above 24 Months to 36 Months) for general customers and 7.70% p.a. (Above 24 Months to 36 Months) for senior citizens. Rates below are as published by the bank — confirm with JCOM Bank before investing.

See today's top interest rates →

What is the JCOM Bank 1-year FD interest rate?

As of 22 Oct 2026, The Junagadh Commercial Co-op Bank Ltd. offers 6.75% p.a. on a 1-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.

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What is the JCOM Bank 2-year FD interest rate?

As of 22 Oct 2026, The Junagadh Commercial Co-op Bank Ltd. offers 7.00% 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 1 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.

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What is the JCOM Bank 3-year FD interest rate?

As of 22 Oct 2026, The Junagadh Commercial Co-op Bank Ltd. offers 7.20% p.a. on a 3-year FD for general customers and 7.70% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.

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What is the JCOM Bank 5-year FD interest rate?

As of 22 Oct 2026, The Junagadh Commercial Co-op Bank Ltd. offers 7.10% p.a. on a 5-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.

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Do senior citizens get higher Fixed Deposit rates at JCOM Bank?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Junagadh Commercial Co-op Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did JCOM Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Junagadh Commercial Co-op Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does JCOM Bank offer?

The Junagadh Commercial Co-op Bank Ltd.'s published fixed deposit (FD) rate table has 11 tenure bands, from “7 Days to 45 Days” to “Above 60 Month”.

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

Yes. The Junagadh Commercial Co-op Bank Ltd.'s table lists separate bands: Below ₹15 lakh; ₹15 lakh and above. Each row shows the band it applies to.

Does JCOM Bank pay more than the Post Office Time Deposit?

The Junagadh Commercial Co-op Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.75% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.20% (PO 7.10%), 5y 7.10% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

The Junagadh Commercial Co-op Bank Ltd.'s 1-year general FD rate of 6.75% ranks #136 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with JCOM Bank insured?

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

How current are these JCOM Bank rates?

RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Jun 2025. Rates can change without notice, so verify on the official JCOM Bank website before investing.

Rate movements →

More JCOM Bank rates

JCOM Bank overviewJCOM Bank Savings rates

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Higher 1 year Fixed Deposit rates than JCOM Bank

38 banks serving Gujarat pay more. Top picks:

Co-operative Highest Gondal Nagarik Bank 8.00% +1.25% vs JCOM Bank Small Finance Jana 7.30% +0.55% vs JCOM Bank Private RBL 7.05% +0.30% vs JCOM Bank

See every higher rate in Gujarat →

Rate by tenure, and what it grows to Deposit
1 year General6.75%₹1,06,923 Senior7.25%₹1,07,450 2 years General7.00%₹1,14,888 Senior7.50%₹1,16,022 3 years General7.20%₹1,23,872 Senior7.70%₹1,25,710 5 years General7.10%₹1,42,175 Senior7.60%₹1,45,708

Cumulative FD, quarterly compounding. Illustrative, not a bank quote.

Good to know

  • Deposits with The Junagadh Commercial 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.
  • JCOM 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 JCOM Bank, depending on the tenure.
official Effective 1 Jun 2025 · Ingested 22 Oct 2026 · Verified 22 Oct 2026 · View source

Informational only — always confirm the current rate on the official JCOM 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.