Kerala State Co-operative Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Kerala Bank?
Showing 7 of 9 rates.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 14 days |
4.00% | 4.50% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
15 to 45 days |
5.50% | 6.00% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
46 to 90 days |
6.00% | 6.50% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
91 to 179 days |
6.50% | 7.00% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
180 to 364 days Below ₹15 lakh |
7.00% | 7.50% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 18 Oct 2026 |
180 to 364 days ₹15 lakh and above |
7.50% | – | ₹15 lakh and above | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
1 year to below 2 years Below ₹15 lakh |
7.10% | 7.60% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 18 Oct 2026 |
1 year to below 2 years ₹15 lakh and above |
7.60% | – | ₹15 lakh and above | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
2 years and above |
7.00% | 7.50% | Below ₹15 lakh | 30 Jun 2025 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
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Kerala Bank FD return examples
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
1 year
7.10%Before you book
Kerala Bank Fixed Deposit: frequently asked questions
What is the highest Kerala Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Kerala State Co-operative Bank offers up to 7.10% p.a. on its fixed deposit (FD) (1 year to below 2 years) for general customers and 7.60% p.a. (1 year to below 2 years) for senior citizens. Rates below are as published by the bank. Confirm with Kerala Bank before investing.
What is the Kerala Bank 1-year FD interest rate?
As of 14 Nov 2026, Kerala State Co-operative Bank offers 7.10% p.a. on a 1-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the Kerala Bank 2-year FD interest rate?
As of 14 Nov 2026, Kerala State Co-operative Bank offers 7.00% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the Kerala Bank 3-year FD interest rate?
As of 14 Nov 2026, Kerala State Co-operative Bank offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the Kerala Bank 5-year FD interest rate?
As of 14 Nov 2026, Kerala State Co-operative Bank offers 7.00% p.a. on a 5-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Jun 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Kerala Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Kerala State Co-operative Bank, depending on the tenure.
When did Kerala Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Kerala State Co-operative Bank's fixed deposit (FD) rates since it started tracking them on 30 Sept 2026.
What fixed deposit (FD) tenures does Kerala Bank offer?
Kerala State Co-operative Bank's published fixed deposit (FD) rate table has 7 tenure bands, from “7 to 14 days” to “2 years and above”.
Does Kerala Bank pay different fixed deposit (FD) rates by deposit size?
Yes. Kerala State Co-operative Bank's table lists separate bands: Below ₹15 lakh; ₹15 lakh and above. Each row shows the band it applies to.
Does Kerala Bank pay more than the Post Office Time Deposit?
Kerala State Co-operative Bank pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.10% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 7.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Kerala Bank's 1-year FD rate rank?
Kerala State Co-operative Bank's 1-year general FD rate of 7.10% ranks #276 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Kerala Bank insured?
Deposits with Kerala State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Kerala Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 30 Jun 2025. Rates can change without notice, so verify on the official Kerala Bank website before investing.
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Good to know
- Deposits with Kerala State Co-operative 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.
- Kerala Bank is a state 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 Kerala Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Kerala 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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