Rates verified from official source

Karnataka Bank Fixed Deposit interest rates · November 2026

Karnataka's best Fixed Deposit rate is 7.25% (15 months only), 2.25 points below the best on the market (9.50%).

  • Seniors: up to 7.65% (15 months only), 0.40 points above the general rate for that tenure.

What will my FD earn at Karnataka?

Estimated value after 1 year · before tax ₹5,33,301 6.50% p.a. · ₹33,301 interest · quarterly compounding
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Deposit amount
Deposit type

Showing 11 of 32 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days to 45 days
CallableBelow ₹3 crore (retail)
 3.50% 3.75% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 20 Sept 2026
46 days
to 90 days
CallableBelow ₹3 crore (retail)
 4.25% 4.50% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 2 Nov 2026
91 days to
179 days
CallableBelow ₹3 crore (retail)
 5.00% 5.25% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 2 Nov 2026
180 days to
below 1 year
CallableBelow ₹3 crore (retail)
 5.90% 6.15% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 2 Nov 2026
1 year to
554 days
2 slabs at this rate
CallableBelow ₹3 crore (retail)
 6.50% 6.90% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 2 Nov 2026
15 months only
CallableBelow ₹3 crore (retail)
 7.25% 7.65% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 2 Nov 2026
555 days only
555-day Special
Below ₹3 crore (retail)
 7.00% 7.40% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 20 Sept 2026
556 days
to 2 years
CallableBelow ₹3 crore (retail)
 6.40% 6.80% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 20 Sept 2026
Above 2 years
to 3 years
CallableBelow ₹3 crore (retail)
 6.15% 6.55% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 20 Sept 2026
Above 3 years
to 5 years
CallableBelow ₹3 crore (retail)
 6.15% 6.55% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 20 Sept 2026
Above 5 years
to 10 years
CallableBelow ₹3 crore (retail)
 5.50% 5.90% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 14 Nov 2026
official
fetched 20 Sept 2026
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Karnataka FD return examples

DepositHighest rate15 months7.25%2 years6.40%5 years6.15%10 years5.50%
₹50,000★₹54,696₹3,725 a year₹302/mo₹56,770₹3,278 a year₹267/mo₹67,842₹3,147 a year₹256/mo₹86,339₹2,807 a year₹229/mo
₹1 lakh★₹1,09,392₹7,450 a year₹604/mo₹1,13,540₹6,555 a year₹533/mo₹1,35,684₹6,293 a year₹513/mo₹1,72,677₹5,614 a year₹458/mo
₹2 lakh★₹2,18,783₹14,899 a year₹1,208/mo₹2,27,080₹13,110 a year₹1,067/mo₹2,71,368₹12,587 a year₹1,025/mo₹3,45,354₹11,229 a year₹917/mo
₹5 lakh★₹5,46,958₹37,248 a year₹3,021/mo₹5,67,701₹32,776 a year₹2,667/mo₹6,78,421₹31,466 a year₹2,563/mo₹8,63,385₹28,072 a year₹2,292/mo
₹10 lakh★₹10,93,916₹74,495 a year₹6,042/mo₹11,35,402₹65,552 a year₹5,333/mo₹13,56,842₹62,933 a year₹5,125/mo₹17,26,771₹56,145 a year₹4,583/mo

Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.

FD rates by tenure

Select a term · Annual rates for ₹5,00,000

1 year

6.50%
Compare 1 year rates → Estimate my return
Market rank & rate source

#594 of 1033

1 year to less than 15 months · Below ₹3 crore (retail)

Official rate sheet ↗
See all published rates
  • Non-callable: no premature withdrawal (bank rule)
Before you book

Karnataka Fixed Deposit: frequently asked questions

What is the highest Karnataka Fixed Deposit interest rate?

As of 14 Nov 2026, Karnataka Bank offers up to 7.25% p.a. on its fixed deposit (FD) (15 months only) for general customers and 7.65% p.a. (15 months only) for senior citizens. Rates below are as published by the bank. Confirm with Karnataka before investing.

See today's top interest rates →

What is the Karnataka 1-year FD interest rate?

As of 14 Nov 2026, Karnataka Bank offers 6.50% p.a. on a 1-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 2 Nov 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

What is the Karnataka 3-year FD interest rate?

As of 14 Nov 2026, Karnataka Bank offers 6.15% p.a. on a 3-year FD for general customers and 6.55% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 2 Nov 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

Do senior citizens get higher Fixed Deposit rates at Karnataka?

Yes. Senior citizens (60+) earn up to 0.40% p.a. more than general customers at Karnataka Bank, depending on the tenure.

See today's top senior citizen rates →

When did Karnataka last change its Fixed Deposit rates?

Karnataka Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 2 Nov 2026: the general rate for 46 days to 90 days · Below ₹3 crore (retail) went from 4.00% to 4.25%. RateScan.in has tracked Karnataka's rates since 20 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does Karnataka offer?

Karnataka Bank's published fixed deposit (FD) rate table has 12 tenure bands, from “7 days to 45 days” to “Above 5 years to 10 years”.

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

Yes. Karnataka Bank's table lists separate bands: Below ₹3 crore (retail); ₹3 crore up to ₹10 crore; ₹2 crore to below ₹3 crore. Each row shows the band it applies to.

Does Karnataka have special fixed deposit (FD) schemes?

Karnataka Bank's rate table lists these named schemes (2): Non-Callable; 555-day Special. Check eligibility and end dates with the bank.

Does Karnataka pay more than the Post Office Time Deposit?

Karnataka Bank pays more than the Post Office Time Deposit at 0 of 2 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 3y 6.15% (PO 7.10%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does Karnataka's 1-year FD rate rank?

Karnataka Bank's 1-year general FD rate of 6.50% ranks #594 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with Karnataka insured?

Deposits with Karnataka Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Karnataka rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 2 Nov 2026. Rates can change without notice, so verify on the official Karnataka website before investing.

Rate movements →

More Karnataka rates

Karnataka overviewKarnataka Recurring Deposit ratesKarnataka Savings ratesKarnataka NRE FD ratesKarnataka FCNR(B) rates

Fixed Deposit rates at other banks

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Compare Karnataka with similar banks

Nearby banks paying a little more at 1 year

Federal 6.55%J&K Bank 6.55%KVB 6.55%

Banks with a similar rate at 1 year

City Union 6.65%Nainital 6.30%Dhanlaxmi 6.25%

Best FD rates among private banks →

Good to know

  • Deposits with Karnataka Bank 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.
  • Karnataka is a private sector bank regulated by the RBI.
  • Senior citizens (60+) earn up to 0.40% p.a. more than general customers at Karnataka, depending on the tenure.
  • Karnataka's FD table includes 2 special schemes; check eligibility and end dates.
official Effective 1 Apr 2026 · Ingested 25 Oct 2026 · Verified 14 Nov 2026 · View source

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.