The Karnavati Co-op Bank Ltd. Fixed Deposit interest rates · October 2026
Karnavati Bank's best Fixed Deposit rate is 7.25% (555 DAYS (Simple Interest)), 1.75 points below the best on the market (9.00%).
- Seniors: up to 7.75% (555 DAYS (Simple Interest)), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
7 DAYS TO 30 DAYS |
3.50% | 4.00% | 4.25% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
31 DAYS TO 90 DAYS |
3.75% | 4.25% | 4.50% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 DAYS TO 180 DAYS |
4.75% | 5.25% | 5.50% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 DAYS TO 364 DAYS |
5.75% | 6.25% | 6.50% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1 YEAR TO 2 YEARS |
7.00% | 7.50% | 7.75% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
555 DAYS (Simple Interest) 555-day Special |
7.25% | 7.75% | 8.00% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
2 YEARS TO 3 YEARS (Higher interest payer Bank ) |
7.15% | 7.65% | 7.90% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
3 YEAR TO 5 YEARS |
6.75% | 7.25% | 7.50% | Any amount | 9 Jun 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Karnavati Bank FD returns at a glance based on investment amount
| Deposit | ~1 year7.00% | ~3 years6.75% | ~5 years6.75% |
|---|---|---|---|
| ₹50,000 | ₹53,593₹292/mo | ₹61,120₹281/mo | ₹69,875₹281/mo |
| ₹1 lakh | ₹1,07,186₹583/mo | ₹1,22,239₹563/mo | ₹1,39,750₹563/mo |
| ₹2 lakh | ₹2,14,372₹1,167/mo | ₹2,44,479₹1,125/mo | ₹2,79,500₹1,125/mo |
| ₹5 lakh | ₹5,35,930₹2,917/mo | ₹6,11,196₹2,813/mo | ₹6,98,749₹2,813/mo |
| ₹10 lakh | ₹10,71,859₹5,833/mo | ₹12,22,393₹5,625/mo | ₹13,97,499₹5,625/mo |
Illustrative · quarterly compounding · rates as of 22 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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- Simple interest
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.
Super 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.
Karnavati Bank Fixed Deposit rate changes
Changes to Karnavati Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 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 Karnavati Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Karnavati Bank with similar banks
Nearby banks paying a little more at 1 year
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Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Karnavati Bank Fixed Deposit: frequently asked questions
What is the highest Karnavati Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Karnavati Co-op Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (555 DAYS (Simple Interest)) for general customers and 7.75% p.a. (555 DAYS (Simple Interest)) for senior citizens. Rates below are as published by the bank — confirm with Karnavati Bank before investing.
What is the Karnavati Bank 1-year FD interest rate?
As of 22 Oct 2026, The Karnavati Co-op Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 9 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Karnavati Bank 2-year FD interest rate?
As of 22 Oct 2026, The Karnavati Co-op Bank Ltd. offers 7.15% p.a. on a 2-year FD for general customers and 7.65% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 9 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Karnavati Bank 3-year FD interest rate?
As of 22 Oct 2026, The Karnavati Co-op Bank Ltd. offers 6.75% p.a. on a 3-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 9 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Karnavati Bank 5-year FD interest rate?
As of 22 Oct 2026, The Karnavati Co-op Bank Ltd. offers 6.75% p.a. on a 5-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 9 Jun 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Karnavati Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Karnavati Co-op Bank Ltd., depending on the tenure.
When did Karnavati Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Karnavati Co-op Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Karnavati Bank offer?
The Karnavati Co-op Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “7 DAYS TO 30 DAYS” to “3 YEAR TO 5 YEARS”.
Does Karnavati Bank have special fixed deposit (FD) schemes?
The Karnavati Co-op Bank Ltd.'s rate table lists these named schemes (1): 555-day Special. Check eligibility and end dates with the bank.
Does Karnavati Bank pay more than the Post Office Time Deposit?
The Karnavati Co-op Bank Ltd. pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.15% (PO 7.00%), 3y 6.75% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Karnavati Bank's 1-year FD rate rank?
The Karnavati Co-op Bank Ltd.'s 1-year general FD rate of 7.00% ranks #63 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Karnavati Bank insured?
Deposits with The Karnavati Co-op Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Karnavati Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 9 Jun 2025. Rates can change without notice, so verify on the official Karnavati Bank website before investing.
More Karnavati Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Karnavati Co-op 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.
- Karnavati 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 Karnavati Bank, depending on the tenure.
- Karnavati Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Karnavati 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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