Karnataka Bank (Karnataka) is a private sector bank, headquartered in Mangaluru, established in 1924. Its headline 1-year FD rate of 6.50% is +0.03% above the private sector average of 6.47%, ranking #10 of 20 private banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 8 Jun 2026, verified from aggregated sources. Scheduled private sector bank — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Karnataka (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
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.
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.
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.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 days to 45 days |
3.50% | 3.75% | Below ₹3 crore (retail) | |
46 days to 90 days |
4.00% | 4.25% | Below ₹3 crore (retail) | |
91 days to 179 days |
4.75% | 5.00% | Below ₹3 crore (retail) | |
180 days to below 1 year |
5.75% | 6.00% | Below ₹3 crore (retail) | |
1 year to 554 days |
6.50% | 6.90% | Below ₹3 crore (retail) | |
555 days only 555-day Special |
7.00% | 7.40% | Below ₹3 crore (retail) | |
556 days to 2 years |
6.40% | 6.80% | Below ₹3 crore (retail) | |
Above 2 years to 3 years |
6.15% | 6.55% | Below ₹3 crore (retail) | |
Above 3 years to 5 years |
6.15% | 6.55% | Below ₹3 crore (retail) | |
Above 5 years to 10 years |
5.50% | 5.90% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to 554 days |
6.50% | 6.90% | Any amount | |
556 days to 2 years |
6.40% | 6.80% | Any amount | |
Above 2 years to 3 years |
6.15% | 6.55% | Any amount | |
Above 3 years to 5 years |
6.15% | 6.55% | Any amount | |
Above 5 years to 10 years |
5.50% | 5.90% | Any amount |
Deposits with Karnataka Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official Karnataka 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.
Tell us what would make RateScan.in more useful. No email required.