Rates verified from official source

The Karad Urban Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026

Karad Urban Bank's best Fixed Deposit rate is 6.75% (365 Days to 15 Months), 1.50 points below the best on the market (8.25%).

Deposit amount

Showing 10 of 70 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 Days to 45 Days
Below ₹1 crore
 3.50% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
46 Days to 89 Days
Below ₹1 crore
 3.75% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
90 Days to 135 Days
Below ₹1 crore
 4.25% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
136 Days to 180 Days
Below ₹1 crore
 5.00% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
181 Days to 364 Days
Below ₹1 crore
 5.50% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
365 Days to 15 Months
Below ₹1 crore
 6.75% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 15 Months to 2 Years
Below ₹1 crore
 6.50% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 2 Years to 3 Years
Below ₹1 crore
 6.50% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
3 Years to 5 Years
Below ₹1 crore
 6.50% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 5 Years to 10 Years Complete
Below ₹1 crore
 6.50% — Below ₹1 crore
19 Oct 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
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Karad Urban Bank FD returns at a glance based on investment amount

Deposit~1 year6.75%~3 years6.50%~5 years6.50%~10 years6.50%
₹50,000₹53,461₹281/mo₹60,670₹271/mo₹69,021₹271/mo₹95,278₹271/mo
₹1 lakh₹1,06,923₹563/mo₹1,21,341₹542/mo₹1,38,042₹542/mo₹1,90,556₹542/mo
₹2 lakh₹2,13,846₹1,125/mo₹2,42,682₹1,083/mo₹2,76,084₹1,083/mo₹3,81,112₹1,083/mo
₹5 lakh₹5,34,614₹2,813/mo₹6,06,704₹2,708/mo₹6,90,210₹2,708/mo₹9,52,779₹2,708/mo
₹10 lakh₹10,69,228₹5,625/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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  • Senior citizens: 0.60% extra interest on term deposits per the bank's note (not applied here)

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% 7d2m3m5m6m1y457d731d1096d1826d 3.503.754.255.005.506.756.506.506.506.50 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 separate Senior rate — showing General rates.

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% 7d2m3m5m6m1y457d731d1096d1826d 3.503.754.255.005.506.756.506.506.506.50 General 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 super-senior rate — showing General rates.

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% 7d2m3m5m6m1y457d731d1096d1826d 3.503.754.255.005.506.756.506.506.506.50 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.

Karad Urban Bank Fixed Deposit rate changes

Changes to Karad Urban 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 Karad Urban Bank's fixed deposit (FD) rates has been recorded since tracking started on 21 Oct 2026.

Compare Karad Urban Bank with similar banks

Nearby banks paying a little more at 1 year

SVC Bank 6.85%Bharat Co-op Bank (Mumbai) 6.90%Greater Bank 7.00%

Banks with a similar rate at 1 year

Sangli Urban Bank 6.75%Kalupur Bank 6.75%Apna Bank 6.70%

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

Karad Urban Bank Fixed Deposit: frequently asked questions

What is the highest Karad Urban Bank Fixed Deposit interest rate?

As of 21 Oct 2026, The Karad Urban Co-operative Bank Ltd. offers up to 6.75% p.a. on its fixed deposit (FD) (365 Days to 15 Months) for general customers. Rates below are as published by the bank — confirm with Karad Urban Bank before investing.

See today's top interest rates →

What is the Karad Urban Bank 1-year FD interest rate?

As of 21 Oct 2026, The Karad Urban Co-operative Bank Ltd. offers 6.75% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 19 Oct 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

What is the Karad Urban Bank 2-year FD interest rate?

As of 21 Oct 2026, The Karad Urban Co-operative Bank Ltd. offers 6.50% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 19 Oct 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the Karad Urban Bank 3-year FD interest rate?

As of 21 Oct 2026, The Karad Urban Co-operative Bank Ltd. offers 6.50% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 19 Oct 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the Karad Urban Bank 5-year FD interest rate?

As of 21 Oct 2026, The Karad Urban Co-operative Bank Ltd. offers 6.50% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 19 Oct 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at Karad Urban Bank?

The Karad Urban Co-operative Bank Ltd. does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.

See today's top senior citizen rates →

When did Karad Urban Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Karad Urban Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 21 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Karad Urban Bank offer?

The Karad Urban Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 Days to 45 Days” to “Above 5 Years to 10 Years Complete”.

Does Karad Urban Bank pay more than the Post Office Time Deposit?

The Karad Urban Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.75% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.50% (PO 7.10%), 5y 6.50% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

The Karad Urban Co-operative Bank Ltd.'s 1-year general FD rate of 6.75% ranks #115 of 259 banks on RateScan.in (as of 21 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with Karad Urban Bank insured?

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

How current are these Karad Urban Bank rates?

RateScan.in refreshed this dataset on 21 Oct 2026; the bank's rates shown here are effective 19 Oct 2026. Rates can change without notice, so verify on the official Karad Urban Bank website before investing.

Rate movements →

More Karad Urban Bank rates

Karad Urban Bank overviewKarad Urban Bank Savings 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

Higher 1 year Fixed Deposit rates than Karad Urban Bank

25 banks serving Maharashtra pay more. Top picks:

Co-operative Highest Sangli DCCB 8.25% +1.50% vs Karad Urban Bank Small Finance Suryoday 7.25% +0.50% vs Karad Urban Bank Private RBL 7.05% +0.30% vs Karad Urban Bank

See every higher rate in Maharashtra →

Rate by tenure, and what it grows to Deposit
1 year General6.75%₹1,06,923 Senior— 2 years General6.50%₹1,13,764 Senior— 3 years General6.50%₹1,21,341 Senior— 5 years General6.50%₹1,38,042 Senior—

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

Good to know

  • Deposits with The Karad Urban 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.
  • Karad 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.
official Effective 19 Oct 2026 · Ingested 21 Oct 2026 · Verified 21 Oct 2026 · View source

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