Kerala Gramin Bank (KerGB) is a nationalised public sector bank, headquartered in Malappuram, established in 2013. Its headline 1-year FD rate of 6.50% is −0.06% below the public sector average of 6.56%, ranking #16 of 28 public sector banks.
Rates as of 7 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at KerGB (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 14 days* |
3.25% | 3.75% | Below ₹3 crore (retail) | |
15 days to 45 days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
46 days to 90 days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
91 days to 179 days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
180 days to 269 days |
6.00% | 6.50% | Below ₹3 crore (retail) | |
270 days to less than 1 year |
6.00% | 6.50% | Below ₹3 crore (retail) | |
1 year only |
6.30% | 6.80% | Below ₹3 crore (retail) | |
Above 1 year up to below 15 months |
6.50% | 7.00% | Below ₹3 crore (retail) | |
444 Days KGB 444 days |
7.10% | 7.60% | Below ₹3 crore (retail) | |
15 months |
7.00% | 7.50% | Below ₹3 crore (retail) | |
Above 15 months up to including 2 years |
6.50% | 7.00% | Below ₹3 crore (retail) | |
Above 2 years to including 3 Years |
6.45% | 6.95% | Below ₹3 crore (retail) | |
Above 3 years and up to below 5 years |
6.40% | 6.90% | Below ₹3 crore (retail) | |
5 years and above up to 10 years |
6.40% | 6.90% | 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 only |
6.30% | 6.80% | Any amount | |
Above 1 year up to below 15 months |
6.50% | 7.00% | Any amount | |
15 months |
7.00% | 7.50% | Any amount | |
Above 15 months up to including 2 years |
6.50% | 7.00% | Any amount | |
Above 2 years to including 3 Years |
6.45% | 6.95% | Any amount | |
Above 3 years and up to below 5 years |
6.40% | 6.90% | Any amount | |
5 years and above up to 10 years |
6.40% | 6.90% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.80% | 2.80% | Below ₹1 crore |
Deposits with Kerala Gramin 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 KerGB 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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