Rates verified from official source

Kerala State Co-operative Bank
deposit rates

Top FD rate
7.60%
1 year to below 2 years
Senior citizen FD
7.60%
1 year to below 2 years
1-year FD rank
#3
of 14 public sector banks · 7.10%

Overview

kerala.bank.in

Kerala State Co-operative Bank (Kerala Bank) is a nationalised public sector bank, headquartered in Thiruvananthapuram, established in 2019. Its headline 1-year FD rate of 7.10% is +0.36% above the public sector average of 6.74%, ranking #3 of 14 public sector banks.

Headquarters
Thiruvananthapuram
Established
2019
Ownership
State co-operative apex bank for Kerala; formed in 2019 by the merger of 13 district central co-operative banks into the Kerala State Co-operative Bank, owned by district primary co-operative societies and the Government of Kerala
Operates in
Kerala
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Payments banks do not offer fixed deposits and are regulated differently.
1-year FD rate
7.10%
+0.36% above the public sector average of 6.74%
Peer rank
#3
of 14 public sector banks
Recent movement
Tracking started

Rates as of 30 Jun 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at Kerala Bank (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

4%5%6%7%8% 7 to 14 days: 4.00% 15 to 45 days: 5.50% 46 to 90 days: 6.00% 91 to 179 days: 6.50% 180 to 364 days: 7.50% 1 year to below 2 years: 7.60% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years and above: 7.00% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m1y2y 4.005.506.006.507.507.607.00 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.

4%5%6%7%8% 7 to 14 days: 4.50% (General: 4.00%) 15 to 45 days: 6.00% (General: 5.50%) 46 to 90 days: 6.50% (General: 6.00%) 91 to 179 days: 7.00% (General: 6.50%) 180 to 364 days: 7.50% (General: 7.00%) 1 year to below 2 years: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years and above: 7.50% (General: 7.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 7d15d2m3m6m1y2y 4.506.006.507.007.507.607.50 Senior 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 additional super-senior premium — showing Senior rates.

4%5%6%7%8% 7 to 14 days: 4.50% (Senior: 4.50%) 15 to 45 days: 6.00% (Senior: 6.00%) 46 to 90 days: 6.50% (Senior: 6.50%) 91 to 179 days: 7.00% (Senior: 7.00%) 180 to 364 days: 7.50% (Senior: 7.50%) 1 year to below 2 years: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years and above: 7.50% (Senior: 7.50%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 7d15d2m3m6m1y2y 4.506.006.507.007.507.607.50 Senior Senior 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.

TenureGeneralSeniorTrendApplies to
7 to 14 days
 4.00% 4.50% — Below ₹15 lakh
15 to 45 days
 5.50% 6.00% — Below ₹15 lakh
46 to 90 days
 6.00% 6.50% — Below ₹15 lakh
91 to 179 days
 6.50% 7.00% — Below ₹15 lakh
180 to 364 days
 7.00% 7.50% — Below ₹15 lakh
180 to 364 days
 7.50% 7.50% — ₹15 lakh and above
1 year to below 2 years
 7.10% 7.60% — Below ₹15 lakh
1 year to below 2 years
 7.60% 7.60% — ₹15 lakh and above
2 years and above
 7.00% 7.50% — Below ₹15 lakh
Source ↗

Good to know

Deposits with Kerala State Co-operative 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.

official Effective 30 Jun 2025 · Ingested 30 Sept 2026 · Verified 30 Sept 2026 · View source

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