Kerala Gramin Bank Fixed Deposit interest rates · November 2026
What will my FD earn at KerGB?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 14 days* |
3.25% | 3.75% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
15 days to 45 days |
3.50% | 4.00% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
46 days to 90 days |
5.00% | 5.50% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
91 days to 179 days |
5.00% | 5.50% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
180 days to less than 1 year 2 slabs at this rate |
6.00% | 6.50% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
1 year only |
6.30% | 6.80% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
Above 1 year upto including 400 days |
6.50% | 7.00% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
401 days 401-day Special |
7.00% | 7.50% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
402 days upto below 15 months |
6.50% | 7.00% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
444 Days KGB 444 days |
7.10% | 7.60% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
15 months |
6.75% | 7.25% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 30 Sept 2026 |
Above 15 months up to including 2 years |
6.50% | 7.00% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
Above 2 years to including 3 Years |
6.45% | 6.95% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
Above 3 years and to 10 years 2 slabs at this rate |
6.40% | 6.90% | Below ₹3 crore (retail) | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 26 Sept 2026 |
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KerGB 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
6.50%Before you book
KerGB Fixed Deposit: frequently asked questions
What is the highest KerGB Fixed Deposit interest rate?
As of 14 Nov 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 5-year FD interest rate?
As of 14 Nov 2026, Kerala Gramin Bank offers 6.40% p.a. on a 5-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
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.
When did KerGB last change its Fixed Deposit rates?
Kerala Gramin Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 30 Sept 2026: the general rate for 450 days went from 7.00% to 6.75%. RateScan.in has tracked KerGB's rates since 22 Sept 2026.
What fixed deposit (FD) tenures does KerGB offer?
Kerala Gramin Bank's published fixed deposit (FD) rate table has 14 tenure bands, from “7 days to 14 days*” to “5 years and above up to 10 years”.
Does KerGB have special fixed deposit (FD) schemes?
Kerala Gramin Bank's rate table lists these named schemes (2): 401-day Special; KGB 444 days. Check eligibility and end dates with the bank.
How does KerGB's 1-year FD rate rank?
Kerala Gramin Bank's 1-year general FD rate of 6.50% ranks #594 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 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 14 Nov 2026; the bank's rates shown here are effective 5 Nov 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 per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- KerGB is a regional rural bank, jointly owned by the Government of India, a sponsor bank and a state government, and supervised by the RBI and NABARD.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at KerGB, depending on the tenure.
- KerGB's FD table includes 2 special schemes; check eligibility and end dates.
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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