Jivan Commercial Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Jivan Commercial Bank's best Fixed Deposit rate is 7.50% (Above 12 Months to 24 Months), 1.50 points below the best on the market (9.00%).
- Seniors: up to 8.00% (Above 12 Months to 24 Months), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7-60 Days |
3.50% | 3.50% | Any amount | 5 Feb 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
61-179 Days |
5.00% | 5.00% | Any amount | 5 Feb 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
180-365 Days |
5.30% | 5.30% | Any amount | 5 Feb 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 12 Months to 24 Months |
7.50% | 8.00% | Any amount | 5 Feb 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 24 Months to 36 Months |
7.25% | 7.75% | Any amount | 5 Feb 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 36 Months to 60 Months |
7.50% | 8.00% | Any amount | 5 Feb 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Jivan Commercial Bank FD returns at a glance based on investment amount
| Deposit | ~1 year5.30% | ~3 years7.25% | ~5 years7.50% |
|---|---|---|---|
| ₹50,000 | ₹52,703₹221/mo | ₹62,027₹302/mo | ₹72,497₹313/mo |
| ₹1 lakh | ₹1,05,406₹442/mo | ₹1,24,055₹604/mo | ₹1,44,995₹625/mo |
| ₹2 lakh | ₹2,10,813₹883/mo | ₹2,48,109₹1,208/mo | ₹2,89,990₹1,250/mo |
| ₹5 lakh | ₹5,27,031₹2,208/mo | ₹6,20,273₹3,021/mo | ₹7,24,974₹3,125/mo |
| ₹10 lakh | ₹10,54,063₹4,417/mo | ₹12,40,547₹6,042/mo | ₹14,49,948₹6,250/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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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.
Jivan Commercial Bank Fixed Deposit rate changes
Changes to Jivan Commercial 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 Jivan Commercial Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Jivan Commercial Bank with similar banks
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Jivan Commercial Bank Fixed Deposit: frequently asked questions
What is the highest Jivan Commercial Bank Fixed Deposit interest rate?
As of 22 Oct 2026, Jivan Commercial Co-operative Bank Ltd. offers up to 7.50% p.a. on its fixed deposit (FD) (Above 12 Months to 24 Months) for general customers and 8.00% p.a. (Above 12 Months to 24 Months) for senior citizens. Rates below are as published by the bank — confirm with Jivan Commercial Bank before investing.
What is the Jivan Commercial Bank 1-year FD interest rate?
As of 22 Oct 2026, Jivan Commercial Co-operative Bank Ltd. offers 5.30% p.a. on a 1-year FD for general customers and 5.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Feb 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Jivan Commercial Bank 2-year FD interest rate?
As of 22 Oct 2026, Jivan Commercial Co-operative Bank Ltd. offers 7.50% p.a. on a 2-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Feb 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Jivan Commercial Bank 3-year FD interest rate?
As of 22 Oct 2026, Jivan Commercial Co-operative Bank Ltd. offers 7.25% p.a. on a 3-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Feb 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Jivan Commercial Bank 5-year FD interest rate?
As of 22 Oct 2026, Jivan Commercial Co-operative Bank Ltd. offers 7.50% p.a. on a 5-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Feb 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Jivan Commercial Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Jivan Commercial Co-operative Bank Ltd., depending on the tenure.
When did Jivan Commercial Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Jivan Commercial Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Jivan Commercial Bank offer?
Jivan Commercial Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “7-60 Days” to “Above 36 Months to 60 Months”.
Does Jivan Commercial Bank pay more than the Post Office Time Deposit?
Jivan Commercial Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 5.30% (PO 6.90%), 2y 7.50% (PO 7.00%), 3y 7.25% (PO 7.10%), 5y 7.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Jivan Commercial Bank's 1-year FD rate rank?
Jivan Commercial Co-operative Bank Ltd.'s 1-year general FD rate of 5.30% ranks #318 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 Jivan Commercial Bank insured?
Deposits with Jivan Commercial Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Jivan Commercial Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 5 Feb 2025. Rates can change without notice, so verify on the official Jivan Commercial Bank website before investing.
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with Jivan Commercial 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.
- Jivan Commercial 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 Jivan Commercial Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Jivan Commercial 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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