Rates verified from official source

Kerala Gramin Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Kerala Gramin Bank offers up to 7.10% p.a. on its fixed deposit (FD) (444 Days) for general customers and 7.60% p.a. (444 Days) for senior citizens. Rates below are as published by the bank — confirm with KerGB before investing.

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Fixed Deposit rates

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

3%4%5%6%7% 7 days to 14 days*: 3.25% 15 days to 45 days: 3.50% 46 days to 90 days: 5.00% 91 days to 179 days: 5.00% 180 days to 269 days: 6.00% 270 days to less than 1 year: 6.00% 1 year only: 6.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 1 year up to below 15 months: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 444 Days · KGB 444 days: 7.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 15 months: 6.75% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 15 months up to including 2 years: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 2 years to including 3 Years: 6.45% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years and up to below 5 years: 6.40% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years and above up to 10 years: 6.40% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m9m1y1y444d450d450d2y3y5y 3.253.505.005.006.006.006.306.507.106.756.506.456.406.40 General Post Office TD Special scheme

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.

3%4%5%6%7%8% 7 days to 14 days*: 3.75% (General: 3.25%) 15 days to 45 days: 4.00% (General: 3.50%) 46 days to 90 days: 5.50% (General: 5.00%) 91 days to 179 days: 5.50% (General: 5.00%) 180 days to 269 days: 6.50% (General: 6.00%) 270 days to less than 1 year: 6.50% (General: 6.00%) 1 year only: 6.80% (General: 6.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 1 year up to below 15 months: 7.00% (General: 6.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 444 Days · KGB 444 days: 7.60% (General: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 15 months: 7.25% (General: 6.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) Above 15 months up to including 2 years: 7.00% (General: 6.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) Above 2 years to including 3 Years: 6.95% (General: 6.45%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years and up to below 5 years: 6.90% (General: 6.40%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years and above up to 10 years: 6.90% (General: 6.40%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m9m1y1y444d450d450d2y3y5y 3.754.005.505.506.506.506.807.007.607.257.006.956.906.90 Senior General Post Office TD Special scheme

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.

3%4%5%6%7%8% 7 days to 14 days*: 3.75% (Senior: 3.75%) 15 days to 45 days: 4.00% (Senior: 4.00%) 46 days to 90 days: 5.50% (Senior: 5.50%) 91 days to 179 days: 5.50% (Senior: 5.50%) 180 days to 269 days: 6.50% (Senior: 6.50%) 270 days to less than 1 year: 6.50% (Senior: 6.50%) 1 year only: 6.80% (Senior: 6.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 1 year up to below 15 months: 7.00% (Senior: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 444 Days · KGB 444 days: 7.60% (Senior: 7.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 15 months: 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) Above 15 months up to including 2 years: 7.00% (Senior: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) Above 2 years to including 3 Years: 6.95% (Senior: 6.95%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years and up to below 5 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years and above up to 10 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m9m1y1y444d450d450d2y3y5y 3.754.005.505.506.506.506.807.007.607.257.006.956.906.90 Senior Senior Post Office TD Special scheme

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 toAs ofSource
7 days to 14 days*
 3.25% 3.75% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
15 days to 45 days
 3.50% 4.00% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
46 days to 90 days
 5.00% 5.50% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
91 days to 179 days
 5.00% 5.50% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
180 days to 269 days
 6.00% 6.50% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
270 days to less than 1 year
 6.00% 6.50% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
1 year only
 6.30% 6.80% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
Above 1 year up to below 15 months
 6.50% 7.00% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
444 Days
KGB 444 days
 7.10% 7.60% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
15 months
 6.75% 7.25% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
Above 15 months up to including 2 years
 6.50% 7.00% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
Above 2 years to including 3 Years
 6.45% 6.95% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
Above 3 years and up to below 5 years
 6.40% 6.90% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
5 years and above up to 10 years
 6.40% 6.90% Below ₹3 crore (retail)
1 Oct 2026
official
fetched 22 Sept 2026
✓ verified 5 Oct 2026
Source ↗

KerGB Fixed Deposit: frequently asked questions

What is the highest KerGB Fixed Deposit interest rate?

As of 5 Oct 2026, Kerala Gramin Bank offers up to 7.10% p.a. on its fixed deposit (FD) (444 Days) for general customers and 7.60% p.a. (444 Days) for senior citizens. Rates below are as published by the bank — confirm with KerGB before investing.

What is the KerGB 1 year FD interest rate?

As of 5 Oct 2026, Kerala Gramin Bank offers 6.50% p.a. on a 1-year FD for general customers and 7.00% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at KerGB?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Kerala Gramin Bank, depending on the tenure.

Is my fixed deposit (FD) with KerGB insured?

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

How current are these KerGB rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 1 Oct 2026. Rates can change without notice, so verify on the official KerGB website before investing.

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Good to know

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.

official Effective 1 Oct 2026 · Ingested 22 Sept 2026 · Verified 5 Oct 2026 · View source

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