The Kalyan Janata Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Kalyan Janata Bank's best Fixed Deposit rate is 6.90% (Above 1 year to 18 Months), 2.10 points below the best on the market (9.00%).
- Seniors: up to 7.40% (Above 1 year to 18 Months), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 14 Days |
3.00% | 3.50% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
15 to 45 Days |
3.00% | 3.50% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
46 days to 90 days |
4.00% | 4.50% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
91 days to 179 days |
4.50% | 5.00% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
180 days to 250 days |
5.00% | 5.50% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
251 days (MMDS) MMDS (251 days) |
5.50% | 6.00% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
252 Days to 1 years |
5.50% | 6.00% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
Above 1 year to 18 Months |
6.90% | 7.40% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
Above 18 months to less than 3 years |
6.50% | 7.00% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
3 years to less than 5 years |
6.50% | 7.00% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
5 years (Tax Saver, 80C) Tax Saver (80C) - Cumulative |
6.00% | 6.50% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
5 years (Tax Saver, 80C) Tax Saver (80C) - Monthly/Quarterly Payout |
6.00% | 6.50% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
5 years to 10 years |
6.50% | 7.00% | Any amount | 26 Sept 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
Kalyan Janata Bank FD returns at a glance based on investment amount
| Deposit | ~1 year5.50% | ~3 years6.50% | ~5 years6.50% | ~10 years6.50% |
|---|---|---|---|---|
| ₹50,000 | ₹52,807₹229/mo | ₹60,670₹271/mo | ₹69,021₹271/mo | ₹95,278₹271/mo |
| ₹1 lakh | ₹1,05,614₹458/mo | ₹1,21,341₹542/mo | ₹1,38,042₹542/mo | ₹1,90,556₹542/mo |
| ₹2 lakh | ₹2,11,229₹917/mo | ₹2,42,682₹1,083/mo | ₹2,76,084₹1,083/mo | ₹3,81,112₹1,083/mo |
| ₹5 lakh | ₹5,28,072₹2,292/mo | ₹6,06,704₹2,708/mo | ₹6,90,210₹2,708/mo | ₹9,52,779₹2,708/mo |
| ₹10 lakh | ₹10,56,145₹4,583/mo | ₹12,13,408₹5,417/mo | ₹13,80,420₹5,417/mo | ₹19,05,559₹5,417/mo |
Illustrative · quarterly compounding · rates as of 21 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.
Kalyan Janata Bank Fixed Deposit rate changes
Changes to Kalyan Janata Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 21 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 Kalyan Janata Bank's fixed deposit (FD) rates has been recorded since tracking started on 21 Oct 2026.
Compare Kalyan Janata Bank with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Best FD rates among urban co-operative banks → Best FD rates in Maharashtra →
Kalyan Janata Bank Fixed Deposit: frequently asked questions
What is the highest Kalyan Janata Bank Fixed Deposit interest rate?
As of 21 Oct 2026, The Kalyan Janata Sahakari Bank Ltd. offers up to 6.90% p.a. on its fixed deposit (FD) (Above 1 year to 18 Months) for general customers and 7.40% p.a. (Above 1 year to 18 Months) for senior citizens. Rates below are as published by the bank — confirm with Kalyan Janata Bank before investing.
What is the Kalyan Janata Bank 1-year FD interest rate?
As of 21 Oct 2026, The Kalyan Janata Sahakari Bank Ltd. offers 5.50% p.a. on a 1-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 26 Sept 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
What is the Kalyan Janata Bank 2-year FD interest rate?
As of 21 Oct 2026, The Kalyan Janata Sahakari Bank Ltd. offers 6.50% 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 26 Sept 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
What is the Kalyan Janata Bank 3-year FD interest rate?
As of 21 Oct 2026, The Kalyan Janata Sahakari Bank Ltd. offers 6.50% p.a. on a 3-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 26 Sept 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Kalyan Janata Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Kalyan Janata Sahakari Bank Ltd., depending on the tenure.
When did Kalyan Janata Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Kalyan Janata Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 21 Oct 2026.
What fixed deposit (FD) tenures does Kalyan Janata Bank offer?
The Kalyan Janata Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 to 14 Days” to “5 years to 10 years”.
Does Kalyan Janata Bank have special fixed deposit (FD) schemes?
The Kalyan Janata Sahakari Bank Ltd.'s rate table lists these named schemes (3): MMDS (251 days); Tax Saver (80C) - Cumulative; Tax Saver (80C) - Monthly/Quarterly Payout. Check eligibility and end dates with the bank.
Does Kalyan Janata Bank pay more than the Post Office Time Deposit?
The Kalyan Janata Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 1y 5.50% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.50% (PO 7.10%). PO is the Post Office Time Deposit rate.
How does Kalyan Janata Bank's 1-year FD rate rank?
The Kalyan Janata Sahakari Bank Ltd.'s 1-year general FD rate of 5.50% ranks #247 of 259 banks on RateScan.in (as of 21 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Kalyan Janata Bank insured?
Deposits with The Kalyan Janata Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Kalyan Janata Bank rates?
RateScan.in refreshed this dataset on 21 Oct 2026; the bank's rates shown here are effective 26 Sept 2026. Rates can change without notice, so verify on the official Kalyan Janata Bank website before investing.
More Kalyan Janata Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Kalyan 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.
- Kalyan Janata 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 Kalyan Janata Bank, depending on the tenure.
- Kalyan Janata Bank's FD table includes 3 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Kalyan Janata 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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