Rates verified from official source

Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026

KAIJS Bank's best Fixed Deposit rate is 7.25% (5 to 10 years), 1.00 points below the best on the market (8.25%).

  • Seniors: up to 7.75% (5 to 10 years), 0.50 points above the general rate for that tenure.
Deposit amount

Showing 10 of 24 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 30 Days
Below ₹1 crore
 3.90% 4.40% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
31 to 60 Days
Below ₹1 crore
 4.35% 4.85% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
61 to 90 Days
Below ₹1 crore
 5.30% 5.80% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
91 to 180 Days
Below ₹1 crore
 5.60% 6.10% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
181 Days to 364 Days
Below ₹1 crore
 6.50% 7.00% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
1 Year to 2 Years
Below ₹1 crore
 7.10% 7.60% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
2 Year 1 Day to 10 Years
Below ₹1 crore
 7.15% 7.65% Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
5 to 10 years
Tax Saving Deposit Scheme
 7.25% 7.75% Any amount
18 Oct 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
68 months & 20 days
1½ Times (Benefit)
 7.15% — Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026
117 months & 11 days
Double Benefit
 7.15% — Below ₹1 crore
22 Jun 2026
official
fetched 16 Oct 2026
✓ verified 18 Oct 2026

KAIJS Bank FD returns at a glance based on investment amount

Deposit~1 year7.10%~3 years7.15%~5 years7.25%~10 years7.25%
₹50,000₹53,646₹296/mo₹61,845₹298/mo₹71,613₹302/mo₹1,02,569₹302/mo
₹1 lakh₹1,07,291₹592/mo₹1,23,690₹596/mo₹1,43,226₹604/mo₹2,05,137₹604/mo
₹2 lakh₹2,14,583₹1,183/mo₹2,47,379₹1,192/mo₹2,86,452₹1,208/mo₹4,10,274₹1,208/mo
₹5 lakh₹5,36,456₹2,958/mo₹6,18,448₹2,979/mo₹7,16,130₹3,021/mo₹10,25,685₹3,021/mo
₹10 lakh₹10,72,913₹5,917/mo₹12,36,897₹5,958/mo₹14,32,261₹6,042/mo₹20,51,370₹6,042/mo

Illustrative · quarterly compounding · rates as of 18 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 KAIJS Bank Fixed Deposit Returns with other Top Banks

Pick up to three other banks (Post Office is pre-selected when available), an amount (or type your own) and whether you are a senior citizen. Rows are 1, 3, 5 and 10 years — a year is shown only when KAIJS Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.

KAIJS Bank

Loading comparison…

  • No premature withdrawal allowed (as published)
  • ₹100 grows to ₹150.00 at maturity (as published)
  • ₹100 grows to ₹200.00 at maturity (as published)

Chart shows the Below ₹1 crore rates; other deposit amounts are in the table above.

General rate by tenure (% p.a.)

3%4%5%6%7% 7d1m2m3m6m1y731d5y2088d3570d 3.904.355.305.606.507.107.157.257.157.15 General Post Office TD Special scheme

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 ₹1 crore rates; other deposit amounts are in the table above.

Senior rate by tenure (% p.a.)

3%4%5%6%7%8% 7d1m2m3m6m1y731d5y1953d3338d 4.404.855.806.107.007.607.657.757.657.65 Senior General Post Office TD Special scheme

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 ₹1 crore rates; other deposit amounts are in the table above.

Senior rate by tenure (% p.a.)

4%5%6%7%8% 7d1m2m3m6m1y731d5y1953d3338d 4.404.855.806.107.007.607.657.757.657.65 Senior Senior Post Office TD Special scheme

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.

Higher 1 year Fixed Deposit rates than KAIJS Bank

5 banks serving Maharashtra pay more. Top picks:

Co-operative Highest Sangli DCCB 8.25% +1.15% vs KAIJS Bank Co-operative Kolhapur DCCB 7.50% +0.40% vs KAIJS Bank Small Finance Suryoday 7.25% +0.15% vs KAIJS Bank

See every higher rate in Maharashtra →

KAIJS Bank Fixed Deposit rate changes

Changes to KAIJS Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 16 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 KAIJS Bank's fixed deposit (FD) rates has been recorded since tracking started on 16 Oct 2026.

Compare KAIJS Bank with similar banks

Nearby banks paying a little more at 1 year

ADCC Bank Nagar 7.25%Suryoday 7.25%Ujjivan 7.25%

Banks with a similar rate at 1 year

Greater Bank 7.00%Akola Urban Bank 7.00%Cosmos Bank 7.00%

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

KAIJS Bank Fixed Deposit: frequently asked questions

What is the highest KAIJS Bank Fixed Deposit interest rate?

As of 18 Oct 2026, Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (5 to 10 years) for general customers and 7.75% p.a. (5 to 10 years) for senior citizens. Rates below are as published by the bank — confirm with KAIJS Bank before investing.

See today's top interest rates →

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

As of 18 Oct 2026, Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. offers 7.10% p.a. on a 1-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jun 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

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

As of 18 Oct 2026, Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. offers 7.10% p.a. on a 2-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jun 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

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

As of 18 Oct 2026, Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. offers 7.15% p.a. on a 3-year FD for general customers and 7.65% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Jun 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

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

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did KAIJS Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 16 Oct 2026.

Rate movements →

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

Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “7 to 30 Days” to “2 Year 1 Day to 10 Years”.

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

Yes. Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.'s table lists separate bands: Below ₹1 crore; ₹1 crore to below ₹5 crore (single deposit); ₹5 crore and above (single deposit); Any amount. Each row shows the band it applies to.

Does KAIJS Bank have special fixed deposit (FD) schemes?

Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.'s rate table lists these named schemes (3): Tax Saving Deposit Scheme; 1½ Times (Benefit); Double Benefit. Check eligibility and end dates with the bank.

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

Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 3 of 3 standard tenures compared (general rates). Rates: 1y 7.10% (PO 6.90%), 2y 7.10% (PO 7.00%), 3y 7.15% (PO 7.10%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.'s 1-year general FD rate of 7.10% ranks #46 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

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

Deposits with Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these KAIJS Bank rates?

RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 22 Jun 2026. Rates can change without notice, so verify on the official KAIJS Bank website before investing.

Rate movements →

More KAIJS Bank rates

KAIJS Bank overviewKAIJS Bank Recurring Deposit ratesKAIJS Bank Savings ratesKAIJS Bank NRE FD rates

Fixed Deposit rates at other banks

Bapunagar Mahila Bank Fixed Deposit ratesSangli DCCB Fixed Deposit ratesSuryoday Fixed Deposit ratesChitradurga DCC Fixed Deposit ratesKCDCCB Fixed Deposit ratesUtkarsh Fixed Deposit ratesSrikakulam DCCB Fixed Deposit ratesWarangal DCCB Fixed Deposit ratesJSKB Dewas Fixed Deposit ratesJSKB Jhabua Fixed Deposit ratesBest Fixed Deposit rates across all banks

Good to know

  • Deposits with Kallappana Awade Ichalkaranji Janata 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.
  • KAIJS 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 KAIJS Bank, depending on the tenure.
  • KAIJS Bank's FD table includes 3 special schemes; check eligibility and end dates.
official Effective 22 Jun 2026 · Ingested 18 Oct 2026 · Verified 18 Oct 2026 · View source

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